Insurance for motorcycles, boats & more
Tow trucks require commercial auto liability ($300K–$750K under FMCSA), on-hook coverage for vehicles in transport, and garage keepers liability for impound operations. Motor club contracts often require $1M.
Florida has no state law requiring boat insurance, but marinas require $300,000–$500,000 liability and lenders require hull coverage. With 900,000+ registered vessels and high accident rates, coverage is essential.
Florida requires $10,000 PIP and $10,000 PDL for LSV-classified golf carts on public roads. Standard golf carts under 20 mph have no state insurance mandate — but HOA rules and accident liability make coverage essential.
Most states require liability insurance for street-legal mopeds and scooters — but the engine size threshold varies. Under 50cc mopeds are exempt in some states; over 150cc is treated like a motorcycle everywhere.
Snowmobile insurance is legally required in MN, ND, NH, NY, and ME for public trail use. Most other states don't mandate it — but riding without liability coverage is a serious financial risk.
Wyoming requires 25/50/20 minimum motorcycle liability with no helmet law for adults. Riding in bison country near Yellowstone and Grand Teton makes comprehensive coverage essential — not optional.
South Dakota requires 25/50/25 minimum motorcycle liability with no helmet law for adults. Home to Sturgis Rally (500,000+ riders) and bison-crossing roads — coverage choices have real consequences here.
New Mexico requires 25/50/10 minimum motorcycle liability, universal helmets, and mandatory UM coverage. With a ~21-24% uninsured driver rate and open-range livestock hazards, coverage gaps are costly.
Arkansas requires 25/50/25 minimum motorcycle liability and helmets for all riders. With a ~16-19% uninsured driver rate and the famous Pig Trail through the Ozarks, adequate coverage is essential.
Rhode Island requires 25/50/25 minimum liability, helmets for all riders, and mandatory uninsured motorist coverage. With a 15-17% uninsured driver rate, UM protection is genuinely critical here.
Vermont requires 25/50/10 minimum motorcycle liability with no helmet law for adults. The fall foliage season brings peak traffic on technical mountain roads — collision coverage is worth carrying.
Kansas requires 25/50/10 minimum motorcycle liability — the $10,000 property damage limit is especially low. Motorcycles are excluded from Kansas's no-fault PIP system and helmets are only required under 18.
Nebraska requires 25/50/25 minimum motorcycle liability and helmets for all riders with no age exemptions. Hail storms and deer hazards in the Sandhills make comprehensive coverage a practical necessity.
North Dakota requires 25/50/25 minimum motorcycle liability and has no helmet law for riders 18+. Motorcycles are excluded from the state's no-fault PIP system — wildlife coverage is essential.
Delaware requires 25/50/10 minimum motorcycle liability, universal helmets for all riders, and mandatory UM coverage. Motorcycles are excluded from Delaware's no-fault PIP system.
Mississippi requires 25/50/25 minimum motorcycle liability and enforces a universal helmet law for all riders. With a ~29% uninsured driver rate, UM coverage is especially important.
Montana requires 25/50/10 motorcycle liability — the $10,000 property damage minimum is one of the lowest in the US. Montana has no helmet law for any rider, vast distances from hospitals, and significant elk/deer hazards.
Idaho requires 25/50/15 minimum motorcycle liability coverage and has no helmet law for any rider. Home to the Sawtooth Scenic Byway and Hells Canyon — Idaho's remote canyon routes make collision and comprehensive coverage worth carrying.
Maine requires 50/100/25 motorcycle liability — one of the highest minimums in the US. No adult helmet law, but moose crossings, coastal fog, and frost-heaved roads make comprehensive coverage a practical necessity.
West Virginia requires 25/50/25 motorcycle liability coverage, a universal helmet law for all riders, and includes uninsured motorist coverage by default. Home of the Hatfield-McCoy Trails and New River Gorge riding country.
Utah requires 25/65/15 motorcycle liability coverage with a higher-than-average $65,000 aggregate. Utah is a no-fault state but motorcycles are excluded from PIP — and Utah was the first state to legalize lane filtering.
New Hampshire is the only state without mandatory auto insurance — but motorcycles must carry 25/50/25 liability coverage. No helmet law for adults, but insurance is required for all riders on public roads.
Alaska requires 50/100/25 motorcycle liability coverage — among the highest minimums in the US. No universal helmet law, but remote roads, wildlife hazards, and limited emergency response make comprehensive coverage critical.
Missouri requires 25/50/10 minimum motorcycle liability plus mandatory uninsured motorist coverage included by default. The state's partial helmet law requires helmets only for riders under 26 or in their first endorsement year — not all riders.
Oklahoma requires 25/50/25 minimum motorcycle liability in a pure at-fault state. All riders must wear DOT-certified helmets under Oklahoma's universal helmet law. Comprehensive coverage is critical in Tornado Alley — hail and storm damage are routine events.
Hawaii requires 20/40/10 minimum motorcycle liability — and unlike auto owners, motorcycle riders are excluded from Hawaii's mandatory no-fault PIP coverage. Year-round riding season and island healthcare costs make comprehensive coverage worth considering.
Kentucky requires 25/50/10 minimum motorcycle liability, but the state's choice no-fault system doesn't apply to motorcyclists — riders operate under tort rules with no automatic PIP coverage for their own injuries. Universal helmet law applies to all riders.
Alabama requires 25/50/25 motorcycle liability with a universal helmet law. Alabama's contributory negligence rule means even 1% fault bars your recovery from the other driver — making UM/UIM and MedPay more critical here than in most states.
Connecticut requires 25/50/25 motorcycle liability plus both uninsured AND underinsured motorist coverage — but motorcycles are excluded from CT's no-fault PIP requirement, leaving riders without automatic medical coverage for their own injuries.
Louisiana requires 15/30/25 motorcycle liability — some of the lowest bodily injury minimums in the US. With an 11–14% uninsured driver rate and hurricane exposure, UM coverage and comprehensive are more critical here than in most states.
Iowa requires 20/40/15 motorcycle liability — among the lower minimums in the Midwest. Helmets are required only for riders under 18. UM/UIM is offered but not mandated, and Iowa ranks top 5 nationally for deer-vehicle collisions.
Oregon requires 25/50/20 motorcycle liability, but unlike auto policies, motorcycles are excluded from Oregon's mandatory PIP requirement — riders have no automatic medical coverage for their own injuries. Universal helmet law applies.
South Carolina requires 25/50/25 motorcycle liability plus mandatory uninsured motorist coverage at matching limits. Helmets are required for riders under 21 and those with less than 2 years of licensure — not universally for all riders.
North Carolina requires 30/60/25 motorcycle liability plus uninsured motorist coverage that cannot be waived — one of the few states with mandatory UM. A universal helmet law applies to all riders and passengers regardless of age.
Washington requires 25/50/10 motorcycle liability plus uninsured motorist coverage auto-enrolled on every policy — removable only with a written rejection. A universal helmet law applies to all riders and passengers.
Virginia requires 30/60/20 motorcycle liability and eliminated its $500 uninsured vehicle fee in July 2024 — making insurance truly mandatory for all VA riders. FR-44 doubles minimums to 60/120/40 after DUI.
Maryland requires 30/60/15 liability on all motorcycles, enforces a universal helmet law for all riders and passengers regardless of age, and explicitly excludes motorcycles from its mandatory PIP system. With a 14-17% uninsured driver rate, UM coverage is critical.
Nevada requires 25/50/20 liability on all motorcycles and enforces one of the most aggressive real-time insurance verification systems in the US. Helmets are only required for riders under 21 — one of the more permissive thresholds nationally.
New Jersey requires 15/30/5 liability on all motorcycles, enforces a universal helmet law, and explicitly excludes motorcycles from its no-fault PIP system. With a $5,000 property damage minimum and 14-16% uninsured driver rate, NJ riders need more than the legal minimum.
Indiana raised its motorcycle insurance minimums in 2022 from 25/50/10 to 25/50/25. With roughly 16% of Indiana drivers uninsured, UM coverage is critical. Helmets are not required for adults. Learn current requirements, penalties, and SR-22 rules.
Minnesota requires 30/60/10 liability on all motorcycles, but riders are explicitly excluded from Minnesota's mandatory no-fault PIP system — meaning your own medical bills are not automatically covered. Learn what this means and why UM coverage is more important for MN riders than for car drivers.
Tennessee requires 25/50/15 liability on all registered motorcycles and enforces a universal helmet law for all riders regardless of age. With roughly 20% of TN drivers uninsured, UM coverage is critical for riders.
Wisconsin requires 25/50/10 liability plus mandatory uninsured motorist coverage on all motorcycle policies — you cannot waive it. Learn state minimums, Wisconsin's unique UM mandate, deer collision risks, and off-season plate surrender rules.
Colorado requires 25/50/15 liability on all registered motorcycles. Riding uninsured is a Class 1 misdemeanor. Learn state minimums, helmet laws, SR-22 rules, and why MedPay matters when PIP doesn't apply to motorcycles.
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.
Browse insurance requirement guides across other coverage 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
Insurance requirements for delivery & rideshare drivers
Motorcycles, RVs, boats, ATVs, commercial trucks — coverage laws by state and vehicle type.
All guides are written by the Coverage Criteria editorial team and verified against official government and regulatory sources. We translate complex insurance rules into plain language so you know exactly what coverage is required — without needing a lawyer.