— The SkyBlue Way
One Rider.
Multiple Insurance Options.
Motorcycle insurance companies don’t all look at riders and bikes the same way. Your motorcycle, riding history, location, coverage choices and other factors can affect both eligibility and price.
We Listen
Tell us about you, your motorcycle and how you ride.
We Shop
Your Sky-Agent® shops available insurance companies for Motorcycle coverage, pricing and discounts that fit your situation.
You Choose
We explain your options in plain language. You decide what’s right for you and your bike.
The cheapest Motorcycle Insurance isn’t necessarily the coverage you want when you actually need it.
MORE THAN THE BIKE
Don’t Forget What’s On the Motorcycle.
Motorcycle owners often add equipment and accessories after purchasing the bike. Depending on the insurance company and policy, coverage may be available for eligible:
- Custom Parts
- Chrome & Accessories
- Custom Paint
- Seats & Saddlebags
- Windshields & Fairings
- Other Added Equipment
If you’ve invested money customizing your motorcycle, tell your Sky-Agent® what’s been added to the bike.
We can help you understand the available coverage rather than assuming every modification is automatically protected.
What About Your Helmet and Riding Gear?
A quality helmet, jacket, boots and other riding gear can represent a meaningful investment too. Depending on the insurance company and policy, coverage may be available for certain eligible riding gear following a covered loss.
Ask your Sky-Agent® what's included and what limits apply
PRICE & VALUE
How Much Does Motorcycle Insurance Cost?
There is not one standard Motorcycle Insurance rate.
Insurance companies may consider:
- Your motorcycle
- Where you live
- Your riding and driving history
- Your age and experience
- Coverage limits
- Deductibles
- How the motorcycle is used
- Available discounts
That’s why shopping matters.
The same rider and motorcycle can receive different rates from different insurance companies. That’s Why We Shop.
SAVE MORE
Motorcycle Insurance Discounts
Multi-Policy
Multi-Bike
Motorcycle Safety Courses
Riding History
Payment Options
Your Sky-Agent® knows what to ask—and where to look.
Shop the Whole Picture
Your Home May Work Better With Your Other Insurance.
Some insurance companies may offer advantages when eligible policies are placed together. But don’t assume the company offering the largest discount automatically gives you the best overall combination of coverage and price.
Don’t Just Bundle. Shop the Bundle.™
DIFFERENT BIKES. DIFFERENT RIDERS.
What Kind of Motorcycle Do You Ride?
Motorcycles come in many forms, and insurance companies can have different appetites for different bikes and riders.
- Cruisers
- Touring Motorcycles
- Sport Bikes
- Standard / Naked Bikes
- Custom Motorcycles
- Adventure & Dual-Sport Bikes
- Other Eligible Motorcycles
Your motorcycle’s make, model, value, engine size, modifications and how you use it can all affect the available insurance options. Tell your Sky-Agent® what you ride. We’ll help you shop from there.
ONE BIKE OR SEVERAL
More Than One Motorcycle in the Garage?
Some insurance companies offer multi-bike discounts when eligible motorcycles are insured together. A Sky-Agent® can help you shop available options for the bikes you own rather than treating every motorcycle as an isolated policy.
FINANCED MOTORCYCLES
Financing Your Motorcycle? Coverage Requirements May Apply.
If you finance or lease a motorcycle, the lender may require certain physical-damage coverage while it has a financial interest in the bike. That commonly means maintaining appropriate Collision and Comprehensive coverage, subject to the lender’s requirements. Meeting a lender’s requirements and choosing the protection that’s right for you aren’t necessarily the same thing.
WHEN YOU’RE NOT RIDING
Parked Doesn’t Mean Risk-Free.
Your rental property doesn’t just have value as real estate. It may produce income every month.
- Theft
- Fire
- Vandalism
- Weather-related damage
- Other covered non-collision losses
That’s why simply thinking “I’m not riding, so I don’t need insurance” can overlook risks that still exist while the motorcycle is parked. Available options vary by insurance company, motorcycle and state.
Before changing or canceling coverage for a motorcycle you’re not riding, talk to your Sky-Agent® about the options available to you.
CUSTOM MOTORCYCLES
Built It Your Way? Insure It That Way.
Factory equipment is one thing. Aftermarket exhaust, custom wheels, upgraded suspension, saddlebags, chrome, custom paint, electronics, seats, windshields and other accessories can represent a substantial investment beyond the motorcycle’s original configuration.
If you’ve invested money customizing your motorcycle, tell your Sky-Agent® what’s been added to the bike.
Depending on the insurance company and policy, additional equipment or custom-parts coverage may be available. Don’t assume every modification is automatically covered simply because it’s attached to the motorcycle.
WHY SKYBLUE
A Better Way to Shop for Motorcycle Insurance.
Multiple Insurance Companies
More Than a Motorcycle Quote
One Bike or Several
Licensed Nationwide
Real Human Help
One Conversation. Multiple Insurance Options.
THE SKY-AGENT® DIFFERENCe
Spend More Time Riding. Less Time Shopping Insurance.
You know the motorcycle you want to ride. You shouldn’t have to become an insurance expert to figure out which company wants to insure it. A Sky-Agent® can shop available insurance companies, explain your options and help you compare coverage and price.
We shop. We explain. You choose.
Nobody Shops Alone.™
Requirements vary by state. Depending on where you live and ride, you may be required to carry certain liability coverage or meet other financial-responsibility requirements. If your motorcycle is financed, your lender may also require certain physical-damage coverage.
Your motorcycle, location, riding history, experience, coverage limits, deductibles, use and available discounts can all affect pricing. Different insurance companies can price the same rider and motorcycle differently.
Comprehensive coverage can help protect an insured motorcycle against covered theft, subject to the policy’s deductible, terms and limits.
Collision generally helps with covered damage resulting from a collision. Comprehensive generally helps with certain covered losses other than collision, such as theft, vandalism, fire and some weather-related damage.
Coverage may be available for eligible custom parts, accessories and added equipment, but coverage and limits vary. If you’ve invested money customizing your motorcycle, tell your Sky-Agent® what’s been added to the bike.
Depending on the insurance company and policy, coverage may be available for certain eligible helmets, protective clothing and riding gear following a covered loss.
Available protection for passengers can vary depending on the policy, coverage selected and state. Tell your Sky-Agent® whether you regularly carry passengers and ask about available options.
Even when you aren’t riding, your motorcycle can still face theft, fire, vandalism and certain weather-related damage. Before reducing or canceling coverage, talk to your Sky-Agent® about the protection you may be giving up and the options available.
Yes. Some insurance companies offer multi-bike discounts or other advantages when eligible motorcycles are insured together.
Yes, participating insurance companies may offer multi-policy savings when eligible Motorcycle and Auto coverage is combined. Don’t Just Bundle. Shop the Bundle.™
Ride off-road instead? Dirt bikes and other off-road motorcycles can have different insurance needs from motorcycles primarily designed for street use. SkyBlue can help you explore available coverage for eligible dirt bikes, off-road motorcycles and other powersports vehicles. CTA / Internal Link: Explore Powersports Insurance →
SkyBlue is licensed nationwide. Available insurance companies, products and eligibility vary by state, motorcycle and individual rider.
MOTORCYCLE INSURANCE RESOURCES
Know Your Bike. Understand Your Coverage.
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Read the guideSkyBlue Motorcycle Insurance Quote
For an Insurance quote, fill in the quote form information or Call to speak with a Sky-Agent®
NOBODY SHOPS ALONE.™