Motorcycle Insurance · Norman, OK
Before You Ride Off, Let Us Make Sure the Policy Is Right
Riders are usually itching to go. Jonathan pauses every one of them: "I get it, you are excited, but we have to make sure you are protected before you even drive off." The good news is the policy is quick, and cheaper than most people expect.
A separate policy with guest bodily injury, $10,000 death indemnity included, gear coverage, and deductibles as low as $250.
A motorcycle cannot be added to an auto policy. It needs its own, and a lot of people do not know that until they call to add one. The motorcycle policy actually carries a few coverages the auto policy does not.
It is not expensive. Jonathan has quoted a standard motorcycle with liability at around $120 for the year, and he is still surprised sometimes by how low the numbers come in.
What it covers
What does motorcycle insurance cover?
Bodily injury and guest bodily injury
Liability for injuries you cause, plus a separate limit for a passenger on your bike.
Uninsured motorist
Works the same as on your auto policy: medical expenses when the other driver flees or does not carry enough insurance.
Death indemnity, $10,000 included
Every motorcycle policy includes $10,000 if someone on the motorcycle passes away, separate from bodily injury. The limit can be increased.
Riding gear and equipment
Around $30,000 of coverage for the helmet, jacket, and gear you are wearing and the equipment on the bike.
Comprehensive and collision
Theft, which is easier with a motorcycle, falls under comprehensive. Deductibles go as low as about $250.
Trailer
Add the trailer you haul it on.
In Jonathan's words
What Our Sales Manager Tells Every Caller
“Motorcycle coverage is not as expensive as some people think. I personally am surprised sometimes how cheap it is. But it has a lot of coverages all the way around, a little bit more than the auto. The guests even have their own separate bodily injury setup.”
“If my wife will not ride it, does she have to be on the policy? Yes, sir, she does. If she ever wants to move it in the garage, or she turns it on and it goes straight through the garage door. You definitely have to add her even if she might never ride it.”
This page is based on a recorded interview with our Sales Manager, Jonathan Sambrano, lightly edited for clarity. Figures are examples he gave and will vary by policy.
Death indemnity on every policy
Most riders do not know it exists. It is a separate $10,000 benefit, included, and you can raise it.
Gear is covered
Roughly $30,000 for the equipment and gear a rider wears. Nobody has asked in a claim whether a helmet was on.
An agent who slows the sale down
Motorcycle policies are short and quick. We use the extra five minutes to confirm every coverage before you ride.
Good to know
Good to know before you call
- Every driver in the household must be listed, even one who never plans to ride.
- Standard motorcycles qualify. Mini bikes do not have a market with our carrier yet. Mopeds and golf carts generally fall under the ATV and off-road policy, so ask us which one fits.
- Theft is covered under your comprehensive deductible.
Bundle and save
Pair it with your auto policy
Bundling anything with your auto is always a good idea. Insure the bike and the car with one office and ask us what the multi-policy discount does.
FAQ
Motorcycle insurance questions we hear
No. A motorcycle needs its own policy. We write them, and the process is short.
Yes. Anyone in the household who could move it, start it, or ride it has to be listed, even if they never plan to.
Yes. Theft is covered under your comprehensive coverage and deductible.
In Jonathan’s experience, no claim has asked whether a helmet or gear was worn. Wear them anyway.
It depends on the bike, the rider, and the coverage. A standard liability policy has quoted around $120 for the year. Call for a real number.
Related coverage
People who look at this also ask about
- Auto InsuranceLiability up to $500,000 per accident, a $0 comprehensive deductible option, and accident forgiveness from day one.Learn more
- ATV & Off-Road Vehicle InsuranceFour-wheelers, side-by-sides, dirt bikes, golf carts, and jet skis. Guest liability up to $1,000,000 and trailer coverage with a $100 deductible option.Learn more
- Umbrella InsuranceA $1,000,000 to $5,000,000 safety net above your auto and home liability, with attorneys on standby, for about $70 a month.Learn more
Coverage, limits, and discounts vary by policy and are subject to carrier underwriting. A licensed agent will confirm what applies to you.
Get in Touch
Quote your motorcycle before the next ride
Tell us about the bike, the riders in your household, and your trailer. A licensed agent will quote it the same day.
Phone
(405) 253-7879
Office Hours
Monday – Thursday, 8:30 AM – 5:30 PM
Friday, 9:00 AM – 5:00 PM
Closed Saturday & Sunday
Request a Free Quote
Fill out the form and we will get back to you within one business day.