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About Motorcycle Insurance

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Motorcycle Insurance

Shopping for cycle insurance? GEICO® Motorcycle insurance, underwritten by GEICO Indemnity Company, has been offering bikers highly competitive rates on motorcycle insurance since 1978.

What is motorcycle insurance?

Motorcycle insurance coverage helps protect you, your bike and others on the road. Cycle insurance from GEICO is available for most types of motorcycles including: sport bikes, cruisers, tour bikes, enduros, scooters, dirt bikes, trikes and some custom bikes.

Why do you need motorcycle insurance?

Insurance gives you the peace of mind that you and your motorcycle are protected should the unexpected occur. If you are involved in an accident, insurance can help cover the cost of repairs to your bike and medical costs. Your cycle insurance policy also provides coverage if your bike is stolen.

What does motorcycle insurance cover?

Accessories – if you carry comprehensive or collision coverage, your policy will include coverage for your accessories (coverage amounts vary by state). Accessories may include: saddlebags, backrests, seats, chrome pieces and CB radios. If needed, additional coverage can be purchased. GEICO® Motorcycle insurance collision coverage provides protection for your helmet.
Bodily injury liability – provides protection if you injure or kill someone while operating your motorcycle. It also provides for a legal defense if another party in the accident files a lawsuit against you. Bodily injury liability covers injury to people, not your vehicle.
Medical payments, no-fault or personal injury protection – usually pays for medical expenses of the injured driver and passenger.
Uninsured motorists – pays for your injuries caused by an uninsured driver in a crash that is not your fault.
Comprehensive physical damage – pays for damage to your motorcycle from theft, vandalism, flood, fire or other covered perils.
Collision – pays for damage to your motorcycle when your motorcycle hits or is hit by another vehicle or object.
Property damage liability – pays for damage to someone else's property resulting from an accident for which you are at fault and provides you with a legal defense.

Why buy motorcycle insurance from GEICO?

Whether you're a hard-core motorcyclist or a weekend warrior, GEICO® Motorcycle insurance is designed to meet the needs of motorcycle owners. When you factor in our money-saving discounts, a payment plan that suits your wallet and GEICO's famous reliability, GEICO® Motorcycle insurance gives you big protection without a big price.

Are you a powersports enthusiast?

GEICO can handle the unique insurance needs of all powersports fans. Along with motorcycle insurance, if you love to ride an ATV, or drive a boat or personal watercraft, check out the competitive insurance rates available on these products. If you happen to be towing one of your favorite rides behind an RV, GEICO can handle your RV insurance needs as well.

*GEICO® Motorcycle coverage is available in all states except Delaware, Massachusetts, Michigan, and New Hampshire.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.