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Motorcycle Insurance Minimum Requirements

Motorcycle insurance requirements vary from state to state, but most states require motorcycle riders to have some form of motorcycle insurance. 

The minimum motorcycle insurance coverage required by most states is liability insurance, which covers damages to property or people that are caused by the motorcycle rider. 

Some states also require motorcycle riders to have uninsured/underinsured motorist coverage, which covers damages caused by an uninsured or underinsured driver. 

In addition, some states require motorcycle riders to have medical payments coverage, which helps to pay for medical expenses incurred as a result of an accident. 

Motorcycle insurance can be purchased from many different insurers, and it is important to shop around for the best rates and coverage.

Understanding The Different Types of Required Coverages

It is important to understand the different types of required motorcycle insurance coverages before you purchase a policy. 

At minimum, most states require liability insurance. 

Liability coverage protects you financially if you are responsible for an accident that causes injury or property damage. 

The two main types of liability insurance that most states require are bodily injury liability coverage and property damage liability coverage.

Bodily Injury Liability

Motorcycle insurance bodily injury liability coverage is a type of insurance that helps to cover the costs of injuries that you may cause to another person while operating a motorcycle.

Property Damage Liability

Property damage liability coverage pays for damage that motorcycle riders cause to other people’s property, such as their car or home.

Motorcycle Insurance Minimum Requirements by State

Alabama

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Alaska

  • $20,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Arizona

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Arkansas

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

California

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Colorado

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Connecticut

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Delaware

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Florida

  • $10,000 property damage liability per accident
  • $20,000 personal injury protection
  • $10,000 property damage liability per accident
  • * Motorcycle insurance is not currently required in Florida

Georgia

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Hawaii

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Idaho

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Illinois

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Indiana

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Iowa

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Kansas

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Kentucky

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Louisiana

  • $10,000 bodily injury liability per person
  • $20,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Maine

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Maryland

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Massachusetts

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Michigan

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident outside Michigan

Minnesota

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Mississippi

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Missouri

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Montana

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Nebraska

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Nevada

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

New Hampshire

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

New Jersey

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

New Mexico

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

New York

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 liability for death per person

North Carolina

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

North Dakota

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Ohio

  • $12,500 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $7,500 property damage liability per accident

Oklahoma

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Oregon

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Pennsylvania

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Rhode Island

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

South Carolina

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

South Dakota

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Tennessee

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Texas

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Utah

  • $25,000 bodily injury liability per person
  • $65,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Vermont

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Virginia

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Washington

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Washington, D.C.

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

West Virginia

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Wisconsin

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Wyoming

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

As you can see, the minimum coverage requirements can vary considerably from state to state. 

If you’re planning to ride a motorcycle, it’s important to check your state’s insurance requirements so that you can be sure you’re properly protected. 

While we do our best to provide up-to-date information about each state’s insurance requirements, the best way to make absolutely sure you have accurate information is to contact your state’s department of motor vehicles or insurance commission. 

They will be able to provide you with the most up-to-date information on motorcycle insurance requirements in your state. 

Once you know what coverage is required, you can start shopping around for policies that will meet your needs and provide you with the peace of mind that comes from knowing you’re properly protected.