Insurance requirement guides for motorcycle.
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.
Ohio requires 25/50/25 minimum liability for motorcycles—same as cars. Learn state requirements, SR-22 rules, seasonal coverage options, and recommended limits.
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This collection features 10 carefully researched guides for motorcycle insurance requirements. Our content provides clear, accurate information about coverage minimums, compliance rules, and state-specific regulations. All guides are written in plain language with official sources cited.