MOTORCYCLE INSURANCE
Motorcycle Insurance
for the Road Ahead
Explore motorcycle insurance options to help protect you and your bike.
Or speak with a licensed insurance agent: 1-716-349-4429
MOTORCYCLE INSURANCE
Motorcycle Insurance
for the Road Ahead
Coverage to help protect you and your bike.
Motorcycle Insurance
for Every Type of Bike
Explore coverage options for cruisers, sport bikes, custom motorcycles, and more.
Cruiser Motorcycles
Coverage for cruisers, touring bikes, and street motorcycles.
Sport & Custom Motorcycles
Coverage for sport bikes, custom builds, and modified motorcycles.
Dirt Bikes & Scooters
Coverage for dirt bikes, dual-sport,
and off-road motorcycles.
Motorcycle Insurance Coverage Options
Motorcycle insurance can help protect you, your bike, and your finances from accidents, theft, damage, and other unexpected events. Explore common motorcycle coverage options below.
Motorcycle Liability Coverage
Helps protect you financially if you cause an accident
Motorcycle liability insurance may help pay for injuries or property damage you are legally responsible for after an accident. Coverage is subject to the liability limits selected on your motorcycle insurance policy.
See an example
Comprehensive & Collision Coverage
Helps protect your motorcycle from accidents and other covered losses
Comprehensive motorcycle coverage may help pay for covered losses caused by events such as theft, vandalism, fire, falling objects, or certain weather-related damage. Collision coverage may help repair or replace your motorcycle when it is damaged in a covered collision with another vehicle or object.
See examples
COMPREHENSIVE EXAMPLE: Your motorcycle is stolen while stored for the winter. Comprehensive coverage may help reimburse you for a covered loss, subject to your deductible and policy terms.
COLLISION EXAMPLE: Your motorcycle is damaged after hitting a guardrail. Collision coverage may help pay eligible repair costs after your deductible.
OEM Parts Coverage
May help repair your motorcycle with original manufacturer parts
Original Equipment Manufacturer (OEM) parts coverage may help ensure eligible repairs use parts made by your motorcycle's original manufacturer instead of comparable aftermarket parts. Availability and eligibility vary by insurance carrier and policy.
See an example
Total Loss Coverage for a New Motorcycle
Additional protection against depreciation for eligible newer bikes
Some motorcycle insurance carriers offer total loss replacement coverage for qualifying newer motorcycles. If your bike is declared a total loss after a covered claim, this coverage may provide enhanced replacement benefits instead of relying solely on the motorcycle's depreciated actual cash value.
See an example
Motorcycle insurance coverage requirements, availability, eligibility, deductibles, limits, exclusions, and benefits vary by state, insurance carrier, motorcycle, and policy. Financing or lease agreements may require additional physical damage coverage.
Get a Motorcycle
Insurance quote
See how much you could save.
Get a motorcycle
insurance quote
Motorcycle Insurance FAQs
Find answers to common New York motorcycle insurance questions.
Do I need motorcycle insurance in New York?
Yes. New York requires liability insurance when a motorcycle is operated on a public road or highway. Your coverage must meet applicable New York insurance requirements.
How much does motorcycle insurance cost in New York?
Motorcycle insurance rates can vary based on factors such as your location, riding history, motorcycle type, coverage limits, deductible and selected coverages. Comparing quotes can help you find coverage that fits your needs and budget.
What does motorcycle insurance cover in New York?
Motorcycle insurance may include liability coverage along with optional coverages such as collision, comprehensive, uninsured or underinsured motorist coverage and protection for certain accessories. Available coverage varies by insurer and policy.
What is full coverage motorcycle insurance?
"Full coverage" is not a specific insurance policy. The term commonly refers to a motorcycle policy that combines liability insurance with comprehensive and collision coverage to provide broader protection for both you and your motorcycle.
Does motorcycle insurance cover theft or damage to my bike?
Comprehensive coverage may help protect your motorcycle against covered losses such as theft, vandalism and certain non-collision damage. Collision coverage may help pay for covered damage to your motorcycle after a collision.
Does motorcycle insurance cover custom parts and accessories?
Some motorcycle insurance policies include limited coverage for custom parts, equipment and accessories, while additional coverage may be available for higher-value upgrades. Coverage limits and eligible equipment vary by insurer.
Does New York No-Fault insurance cover motorcycles?
Motorcycles are treated differently under New York's No-Fault insurance system. Motorcycle operators and passengers are generally excluded from No-Fault benefits, making it especially important to understand the coverage available under your motorcycle policy.
Can I cancel motorcycle insurance during winter in New York?
New York allows motorcycle liability insurance to end without requiring you to surrender the motorcycle's license plate. However, you cannot legally operate the motorcycle on a public road or highway while it is uninsured. Consider your coverage needs before making seasonal changes.
