Insurance for Motorcycles vs Cars: Key Differences

Not every insurance policy is the same when it comes to covering your car. If you possess a motorcycle in addition to a car, you'll discover that the insurance landscapes for each are very different. Elevated Insurance Agency is here to break down the key differences between insurance for motorcycles and cars.

Types of Coverage

Car Insurance

• Liability Coverage
• Collision Coverage
• Comprehensive Coverage
• Personal Injury Protection

Motorcycle Insurance

• Liability Coverage
• Collision Coverage
• Comprehensive Coverage
• Gear and Accessories Coverage

Cost Factors

Cars

• ​Costs are typically greater as a result of higher liability limitations
• Make, model, and driving history are risk factors
• Possible discounts for safe driving and multi-car policies

​Motorcycles

• Generally cheaper to insure but less coverage
• Bike type and riding history are risk factors
• Discounts available for safety courses

Policy Requirements

State Requirements for Cars

• Minimum liability insurance required by most states
• Some states require additional coverages like PIP or Uninsured Motorist Coverage

State Requirements for Motorcycles

• Depending on the state; not all states require motorcycle insurance
• Those that do typically have lower minimum liability standards than vehicles

Claim Process

Cars

• May take longer due to complexity of cars and possible multiple parties involved
• Lower likelihood of total loss claims

Motorcycles

• Often quicker but may require specialized adjusters
• Due to the nature of motorcycle accidents, there is a higher probability of total loss claims

The Bottom Line

Although motorcycle and auto insurance provide comparable types of coverage, the prices, conditions, and claim procedures can vary greatly. Selecting the best policy for your needs might be guided by being aware of these distinctions.

Ready to find the perfect insurance policy for your car or motorcycle? Contact Elevated Insurance Group today for a customized quote that meets your specific needs. Don't settle for a one-size-fits-all policy; get the coverage that’s right for you!