Insurance requirement guides for Motorcycle Insurance.
Most states impose no blanket insurance mandate for off-highway-only dirt bikes, but Idaho and New Jersey do, and any street-legal dual-sport bike is insured exactly like a motorcycle.
One change on 1 July 2025 took Massachusetts riders from the lowest property-damage floor in New England to the highest — $5,000 to $30,000 — while PIP still does not apply to them.
Michigan leads with $800–$2,400/year for minimum coverage, driven by Michigan's high liability floor and Detroit-area underwriting. Louisiana ranks third despite low minimums — its litigation rate, not its requirements, pushes premiums up.
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 and UM coverage unless rejected in writing; helmets are required only under 18. With a ~21-24% uninsured driver rate and open-range livestock hazards, coverage gaps are costly.
Arkansas requires 25/50/25 minimum motorcycle liability. Helmets are required for riders under 21, and eye protection for everyone. With a ~16-19% uninsured driver rate and the famous Pig Trail through the Ozarks, adequate coverage matters.
Rhode Island requires 25/50/25 minimum liability and mandatory uninsured motorist coverage. Helmets are required for operators under 21, new riders in their first year, and passengers. With a 15-17% uninsured driver rate, UM protection matters 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 liability and $15,000/$30,000 PIP on motorcycles; owners may exclude only off-highway and no-contact injuries. UM/UIM is included unless rejected in writing, and helmets are required up to age 19.
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, includes UM/UIM unless you reject it in writing, and requires helmets only for riders under 18. 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's motorcycle minimum rose to 30/65/25 in 2025 while the $65,000 aggregate stood still. Riders are excluded from no-fault PIP, and Utah legalised lane filtering first.
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. Helmets are required only for riders under 18. Comprehensive coverage matters in Tornado Alley, where hail and storm damage are routine events.
When Hawaii doubled its car minimum to 40/80/20 in 2026, motorcycles stayed at 20/40/10 — a separate statute the Act never touched. Riders are excluded from PIP too.
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. Helmets are required under 21 and in the first year of licensure.
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 uninsured and underinsured motorist coverage. It has had no PIP for any vehicle since repealing no-fault in 1994, and helmets are required only under 18.
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 riders moved to 50/100/50 on 1 July 2025 alongside drivers, and because UM must match liability, their uninsured-motorist protection doubled automatically.
Washington requires 25/50/10 motorcycle liability, but the rule that puts uninsured motorist cover on car policies does not reach motorcycles — riders have to ask for it. Helmets are required for every rider and passenger.
Virginia requires 50/100/25 motorcycle liability since January 2025, and eliminated its $500 uninsured vehicle fee in July 2024 — making insurance genuinely mandatory for every VA rider.
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.
Motorcycles were swept into New Jersey's 35/70/25 liability increase because the statute covers every motor vehicle — yet riders are still shut out of the no-fault PIP system that cars get.
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 raised motorcycle property-damage liability to $25,000 in 2023 under the same law that covers cars, and enforces a universal helmet law for riders of every age.
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 on motorcycles and mopeds alike. Riders keep full tort rights even on a limited-tort car policy, and a lapse suspends the registration for 3 months.
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 motorcycle liability must meet the same MCL 500.3009(1) limits as cars ($250,000/$500,000 bodily injury and $10,000 property damage), not the old 20/40/10. Motorcycles are still excluded from no-fault PIP. See what riders actually need.
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 on motorcycles but not on true mopeds. A first lapse means a suspension and a $40 fee, and the BMV can excuse a lapse outside your riding season.
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This collection features 52 carefully researched guides for Motorcycle Insurance 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.
