Insurance for motorcycles, boats & more
Arizona requires 25/50/15 liability on all motorcycles — limits raised in 2020 from the old 15/30/10. Learn state minimums, monsoon riding risks, MVD enforcement, and why year-round riding makes comprehensive coverage essential.
New York requires 25/50/10 liability plus mandatory SUM (uninsured motorist) coverage on all motorcycle policies. Motorcycles are excluded from NY's no-fault PIP system — learn what that means for riders and why NYC coverage costs so much more.
Pennsylvania requires 15/30/5 motorcycle liability, but unlike car drivers, riders are exempt from the no-fault tort election — meaning all PA motorcyclists automatically have full tort rights to sue for pain and suffering.
Illinois requires 25/50/20 liability on all motorcycles plus mandatory uninsured motorist coverage — one of few states that makes UM compulsory for riders. Learn state minimums, Chicago theft risks, and penalties for riding uninsured.
Georgia requires 25/50/25 liability on all motorcycles — the same minimums as for cars. Learn state requirements, the GEICS electronic verification system, uninsured motorist rules, and penalties for riding without coverage.
Michigan requires 20/40/10 motorcycle liability, but here's the catch: motorcycles are excluded from Michigan's no-fault PIP system. Learn what coverage riders actually need and how accident claims work differently than for cars.
Texas requires 30/60/25 liability on all motorcycles — the same as for cars. Learn state minimums, the Driver Responsibility Program surcharges for uninsured riders, and SR-22 rules.
California requires 30/60/15 motorcycle liability insurance as of January 2025, up from the old 15/30/5. Learn the new minimums, Proposition 213 penalties, and SR-22 rules for riders.
Florida does not legally require motorcycle insurance, but riders face full financial liability for at-fault accidents. Learn what coverage Florida motorcyclists should carry and when it becomes required.
Jet ski insurance requirements vary by state. Learn which states require PWC coverage, registration rules, minimum liability limits, and recommended coverage levels.
Golf cart insurance requirements vary by state and where you drive. Learn which states require coverage for street-legal carts, minimum liability limits, and recommended coverage.
Only a few states require ATV insurance. Learn state-by-state requirements, when liability is mandatory, registration rules, and recommended coverage levels.
Motorized RVs require liability insurance in all 50 states. Learn state-by-state requirements, what towable trailers need, full-timer coverage, and recommended limits.
Owner-operators need $750,000-$1,000,000+ liability depending on cargo. Learn FMCSA requirements, how to get authority, costs, and coverage you actually need.
Only Arkansas requires boat insurance statewide. Learn state-by-state requirements, when lenders and marinas require coverage, and what boat owners actually need.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, DOT filings, owner-operator coverage, and how to get authority.
Ohio requires 25/50/25 minimum liability for motorcycles—same as cars. Learn state requirements, SR-22 rules, seasonal coverage options, and recommended limits.
Discover more coffee maker troubleshooting guides across different problem areas
State minimum auto coverage rules
Insurance rules for businesses
Rules for contractors & trades
Professional & general liability rules
Country-specific travel rules
Legal and regulatory insurance rules
Side-by-side insurance requirement comparisons
Motorcycles, RVs, boats, ATVs, commercial trucks — coverage laws by state and vehicle type.
All our guides are tested on real coffee makers and written by experienced repair specialists. We focus on practical, DIY-friendly solutions that save you time and money. No special tools or technical expertise required—just follow our step-by-step instructions.