How to Get Motorcycle Insurance in Pennsylvania

Motorcycle riding in Pennsylvania offers freedom, adventure, and a unique connection to the open road. Whether you’re cruising along the Pennsylvania Turnpike, exploring the scenic byways of the Poconos, or commuting through Pittsburgh’s urban streets, owning a motorcycle comes with responsibilities — chief among them, securing proper insurance. Unlike cars, motorcycles present distinct risks due to their smaller size, limited protection, and higher likelihood of injury in collisions. Pennsylvania law mandates that all motorcycle operators carry liability insurance, but savvy riders go beyond the minimum to protect their investment and personal well-being.

This comprehensive guide walks you through every step required to obtain motorcycle insurance in Pennsylvania, from understanding legal requirements to comparing quotes, selecting coverage, and avoiding common pitfalls. Whether you’re a first-time rider or upgrading your ride, this tutorial ensures you make informed, cost-effective decisions that align with state regulations and your personal needs.

Step-by-Step Guide

Understand Pennsylvania’s Mandatory Insurance Requirements

Pennsylvania law requires all motorcycle owners to carry a minimum level of liability insurance before registering or operating their vehicle on public roads. These requirements are outlined in Title 75 of the Pennsylvania Consolidated Statutes. The minimum coverage limits are:

• Bodily Injury Liability: $15,000 per person and $30,000 per accident
• Property Damage Liability: $5,000 per accident

This means your policy must cover up to $15,000 in medical expenses for any one person injured in an accident you cause, with a maximum of $30,000 for all injured parties in a single incident. Additionally, your policy must cover up to $5,000 in damage to another person’s property — such as a vehicle, fence, or building.

It’s important to note that Pennsylvania operates under a “choice no-fault” system. When you register your motorcycle, you must choose between two options: Full Tort or Limited Tort. Full Tort allows you to sue for all damages, including pain and suffering, after an accident. Limited Tort restricts your right to sue for non-economic damages unless you suffer a “serious injury” as defined by law (e.g., death, serious impairment of body function, or permanent serious disfigurement). Most riders choose Full Tort for broader protection, especially given the high risk of injury in motorcycle accidents.

Gather Required Documentation

Before you begin shopping for insurance, ensure you have the following documents ready:

• Valid Pennsylvania Driver’s License — Even if you’re not a resident, you must hold a valid Pennsylvania motorcycle license (Class M) or a motorcycle permit to register and insure a vehicle in the state.
• Motorcycle Title — The original or certified copy of the vehicle title proving ownership. If the bike was recently purchased, the dealer typically provides this.
• Proof of Identity — A government-issued photo ID, such as a passport or state ID, may be required by some insurers.
• Vehicle Identification Number (VIN) — This 17-digit code is found on the frame of the motorcycle, usually near the steering head. You’ll need it for policy quoting and registration.
• Proof of Previous Insurance (if applicable) — If you’re switching insurers, having your prior policy number and dates of coverage can help avoid coverage gaps and may qualify you for loyalty discounts.

Having these documents organized ahead of time streamlines the quoting process and reduces delays in policy activation.

Compare Insurance Quotes from Multiple Providers

Don’t settle for the first quote you receive. Pennsylvania has a competitive motorcycle insurance market with dozens of carriers offering varying rates, coverage options, and customer experiences. Use online comparison tools or contact insurers directly to gather at least three detailed quotes.

When requesting quotes, provide accurate details about:

• Your motorcycle’s make, model, year, and engine displacement
• Your riding experience (e.g., years licensed, training certifications)
• Your driving record (accidents, tickets, DUIs in the past 3–5 years)
• Your annual mileage and primary use (commuting, recreation, touring)
• Your credit score (in Pennsylvania, insurers may use credit-based insurance scores to determine rates)
• Your chosen coverage limits and deductibles

Be cautious of quotes that seem too low. Extremely low premiums may indicate inadequate coverage, hidden exclusions, or insurers with poor claims satisfaction ratings. Focus on value, not just price.

Select the Right Coverage Beyond the Minimum

While Pennsylvania only requires liability coverage, opting for additional protections is strongly recommended. Here are the most common supplemental coverages available:

Collision Coverage

This pays for repairs or replacement of your motorcycle if it’s damaged in a collision with another vehicle or object — regardless of who is at fault. Given that motorcycles are more vulnerable in crashes, collision coverage is a wise investment, especially for newer or high-value bikes.

Comprehensive Coverage

Comprehensive protects against non-collision damage such as theft, vandalism, fire, weather-related damage (hail, flooding), or animal strikes. In Pennsylvania, where seasonal weather swings and rural riding are common, comprehensive coverage is highly beneficial.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

Approximately 13% of Pennsylvania drivers operate without insurance, and many others carry only the minimum liability limits. UM/UIM coverage pays for your medical bills and bike repairs if you’re hit by a driver who lacks sufficient insurance. This is one of the most critical coverages for motorcyclists, as even a minor collision with an uninsured driver can result in significant financial hardship.

Medical Payments Coverage (MedPay)

MedPay covers medical expenses for you and your passengers after an accident, regardless of fault. Unlike personal injury protection (PIP), which is not available for motorcycles in Pennsylvania, MedPay is optional but extremely valuable. It pays for emergency care, hospital stays, surgery, and rehabilitation — often before your health insurance kicks in.

Accessory Coverage

Custom parts — such as upgraded exhausts, saddlebags, windshields, GPS units, or heated grips — are typically not covered under standard policies. Accessory coverage allows you to add protection for these modifications, usually up to $5,000–$10,000 in limits. If you’ve invested in customizing your ride, this is essential.

Gap Insurance

If your motorcycle is financed or leased, gap insurance covers the difference between what you owe on the loan and the bike’s actual cash value if it’s totaled. Given that motorcycles depreciate quickly, gap coverage can prevent you from being stuck paying off a loan for a vehicle you no longer have.

Apply for Your Policy

Once you’ve selected a provider and coverage package, you can apply online, over the phone, or in person. Most major insurers — including Geico, Progressive, State Farm, Allstate, and Erie Insurance — offer digital applications that take less than 15 minutes.

During application, you’ll:

• Confirm your personal and vehicle details
• Select your payment method (monthly, quarterly, or annual)
• Choose your deductible amounts for collision and comprehensive
• Review and electronically sign your policy documents

Upon approval, you’ll receive a digital insurance card and policy summary via email. Keep this accessible on your phone or print a copy to carry with you while riding. Pennsylvania law requires you to carry proof of insurance at all times while operating your motorcycle.

Register Your Motorcycle with PennDOT

After securing insurance, you must register your motorcycle with the Pennsylvania Department of Transportation (PennDOT). Registration cannot be completed without proof of insurance. You can register in person at a PennDOT Driver License Center, by mail, or online through the PennDOT website if your bike is newly purchased and the dealer hasn’t handled registration.

To register, you’ll need:

• Proof of insurance (electronic or paper)
• Original title or Manufacturer’s Certificate of Origin (MCO)
• Completed Form MV-1 (Application for Certificate of Title)
• Payment for registration and title fees ($45–$100 depending on type and age of bike)

Once registered, you’ll receive a registration card and license plate. The plate must be securely mounted on the rear of the motorcycle. Failure to register or display a valid plate results in fines and potential vehicle impoundment.

Review and Renew Annually

Most motorcycle insurance policies in Pennsylvania are issued for six or twelve months. Set a calendar reminder to review your policy before renewal. During this time, assess whether your coverage still meets your needs:

• Have you upgraded your bike or added accessories?
• Has your driving record improved, potentially lowering your rates?
• Have you taken a motorcycle safety course? Many insurers offer discounts for completion.
• Has your annual mileage changed?

Renewal is an opportunity to renegotiate terms, switch providers if you’ve found a better rate, or adjust coverage limits. Never let your policy lapse — even a one-day gap can result in penalties and higher future premiums.

Best Practices

Take a Motorcycle Safety Course

Pennsylvania recognizes the Pennsylvania Motorcycle Safety Program (PA MSP), offered through community colleges and approved training centers. Completing a Basic Rider Course (BRC) not only improves your riding skills but also qualifies you for a state insurance discount — often between 10% and 20%. Some insurers require course completion for new riders under 21, but even experienced riders benefit from the premium reduction.

Maintain a Clean Driving Record

Speeding tickets, reckless driving citations, and DUIs significantly increase your premiums. Even minor infractions can stay on your record for up to five years. Practice defensive riding, obey speed limits, and avoid distractions. If you do receive a ticket, consider taking a defensive driving course — some insurers accept these as a mitigation strategy.

Bundle Policies for Discounts

If you already have auto, home, or renters insurance, ask your provider about bundling. Most major insurers offer multi-policy discounts of 15%–25% when you combine motorcycle insurance with other policies. Bundling simplifies billing and often results in better customer service access.

Install Anti-Theft Devices

Motorcycles are frequent targets for theft. Installing a factory or aftermarket alarm system, GPS tracker, or steering lock can reduce your comprehensive premium. Some insurers offer up to 10% off for approved security devices. Keep receipts and installation documentation to present to your provider.

Review Your Coverage Annually

Your needs change. If you’ve upgraded your bike, started touring more frequently, or moved to a higher-risk area, your coverage should reflect that. Conversely, if you’ve reduced your mileage or retired from riding, you may be over-insured. Regular reviews ensure you’re neither underprotected nor paying for unnecessary coverage.

Pay Premiums on Time

Missed payments can lead to policy cancellation. Even if you’re experiencing financial hardship, contact your insurer before missing a payment. Many companies offer grace periods, payment plans, or hardship options. A canceled policy makes future coverage more expensive and may require you to file an SR-22 form to reinstate registration.

Document Everything

Keep digital and physical copies of your insurance card, registration, title, maintenance records, and receipts for modifications. In the event of an accident or claim, having organized documentation expedites processing and supports your case.

Tools and Resources

Online Quote Comparators

Use these trusted platforms to compare motorcycle insurance rates across multiple Pennsylvania carriers:

• Insurify — Offers real-time quotes from over 100 insurers with detailed breakdowns of coverage options.
• Policygenius — Provides personalized recommendations based on your riding habits and bike value.
• Compare.com — Aggregates quotes from top providers including Progressive, Geico, and Mercury.

These tools are free to use and do not require personal information until you’re ready to apply.

Pennsylvania Department of Transportation (PennDOT)

Visit www.penndot.pa.gov for official information on registration, licensing, insurance requirements, and forms. The site also provides a searchable database of approved motorcycle safety courses.

Pennsylvania Motorcycle Safety Program (PA MSP)

Find certified training locations and register for the Basic Rider Course at www.pamotorcyclesafety.org. Course completion certificates are accepted by all major insurers for premium discounts.

Insurance Information Institute (III)

The III offers state-specific data on insurance trends, average premiums, and consumer rights. Their Pennsylvania motorcycle insurance statistics are invaluable for benchmarking your rates.

Consumer Reports and J.D. Power Ratings

Before choosing an insurer, consult Consumer Reports’ annual auto insurance rankings and J.D. Power’s U.S. Motorcycle Insurance Satisfaction Study. These independent evaluations measure claims handling, customer service, and price fairness — critical factors when you need to file a claim.

Motorcycle Owner Forums

Join online communities such as the Pennsylvania Motorcycle Riders Association (PMRA) or Reddit’s r/Motorcycles. These forums provide firsthand experiences from local riders about which insurers are reliable, which ones are slow to pay claims, and which discounts are most commonly offered in the state.

Real Examples

Example 1: First-Time Rider in Philadelphia

Jamal, 22, purchased a 2021 Honda CB500X for $7,200. He had no prior motorcycle experience but completed the PA MSP Basic Rider Course. He opted for Full Tort liability, collision, comprehensive, and uninsured motorist coverage with $100,000/$300,000 limits. He bundled his policy with his parents’ auto insurance and installed a GPS tracker. His annual premium: $685. He received a 15% discount for the safety course, 10% for bundling, and 8% for the tracker — totaling a 33% reduction off the base rate.

Example 2: Experienced Touring Rider in Lancaster County

Linda, 48, owns a 2020 Harley-Davidson Street Glide valued at $18,500. She rides over 8,000 miles annually and has a clean 12-year driving record. She chose Full Tort with $250,000/$500,000 liability limits, collision, comprehensive, accessory coverage for her custom saddlebags and audio system ($3,200), and gap insurance. She pays $1,210 annually. Her insurer offered a loyalty discount for being a customer for 7 years and a defensive driving discount after she completed a refresher course.

Example 3: High-Risk Rider with Past Ticket

Ryan, 29, received a speeding ticket last year and had a lapse in insurance coverage. He needed to reinstate his motorcycle registration and was quoted $2,400 annually by his current insurer. He shopped around and found a provider specializing in high-risk riders. By agreeing to a higher deductible ($1,000) and installing a vehicle tracker, he reduced his premium to $1,650. He also enrolled in a defensive riding course, which lowered his rate by 12% after six months.

Example 4: Classic Bike Owner in Erie

Maria, 61, restored a 1978 Kawasaki Z1 and uses it only for weekend shows and parades. She drives under 1,000 miles per year. She selected agreed-value coverage (not actual cash value), which guarantees her bike will be paid out at its appraised $12,000 value if totaled. She declined collision coverage due to low usage but kept comprehensive and liability. Her annual premium: $310 — significantly lower than a standard policy due to limited annual mileage.

FAQs

Do I need motorcycle insurance if I don’t ride my bike often?

Yes. Pennsylvania law requires insurance for any registered motorcycle, regardless of usage. Even if your bike sits in storage, you must maintain at least the state minimum liability coverage. Some insurers offer “lay-up” policies for seasonal riders, which reduce premiums during months of non-use — but you must notify your provider in writing to adjust coverage.

Can I get motorcycle insurance without a license?

No. You must have a valid Pennsylvania motorcycle license (Class M) or permit to register and insure a motorcycle in the state. However, you can purchase insurance in your name before obtaining your license if you’ve already bought the bike — but you cannot legally ride until licensed.

How much does motorcycle insurance cost in Pennsylvania?

Costs vary widely based on bike type, rider age, driving record, and coverage. On average, Pennsylvania riders pay between $500 and $1,500 annually. A standard 500cc commuter bike with minimum coverage may cost $400–$600. A high-performance or custom cruiser with full coverage can exceed $2,000. Older, low-value bikes with limited use may cost as little as $250–$400.

Does my car insurance cover my motorcycle?

No. Auto and motorcycle insurance are separate policies. Even if you have comprehensive auto coverage, it does not extend to your motorcycle. You must purchase a standalone motorcycle policy.

What happens if I get into an accident without insurance?

Driving without insurance in Pennsylvania is a summary offense. Penalties include a $300 fine, a three-month suspension of your vehicle registration, and a $150 restoration fee. If you’re at fault in an accident, you’re personally liable for all damages and medical costs. Your future insurance premiums will increase significantly, and you may be required to file an SR-22 for up to three years.

Can I add a passenger to my policy?

You don’t need to add a passenger to your policy. Your liability coverage protects others injured in an accident, including passengers. However, if you frequently carry passengers, consider increasing your liability limits and adding medical payments coverage to help cover their medical expenses.

Is motorcycle insurance more expensive than car insurance?

Typically, motorcycle insurance is less expensive than car insurance — but not always. While motorcycles cost less to replace, they carry higher risk of injury and claim frequency. Premiums depend on your riding profile. A young rider on a powerful bike may pay more than a middle-aged driver with a sedan. Always compare both policies side by side.

What if I buy a used motorcycle?

You must insure it before riding it off the lot. If the previous owner had insurance, it does not transfer to you. Obtain a new policy using the VIN and title. Some dealers offer temporary insurance for 14 days — but this is not a substitute for a permanent policy.

Can I cancel my motorcycle insurance during winter?

You can cancel, but doing so risks penalties and higher future premiums. Instead, ask your insurer about “storage coverage” or “seasonal cancellation.” These options reduce your premium by eliminating collision and comprehensive coverage while keeping liability active — which is still legally required. Never let your registration lapse.

Do I need insurance for a dirt bike or off-road motorcycle?

If you ride on public roads, yes — you need full insurance and registration. If you ride exclusively on private property or designated off-road trails, insurance is not legally required in Pennsylvania. However, liability coverage is strongly recommended to protect against accidents on neighboring land or if you accidentally enter a public road.

Conclusion

Getting motorcycle insurance in Pennsylvania is not just a legal formality — it’s a vital layer of protection for your safety, finances, and peace of mind. From understanding state-mandated liability limits to selecting supplemental coverage like uninsured motorist protection and accessory insurance, every decision you make impacts your riding experience. By following this step-by-step guide, leveraging available tools, and adopting best practices, you can secure a policy that offers robust protection without overpaying.

Remember, the cheapest policy isn’t always the best. Prioritize comprehensive coverage, maintain a clean record, take safety courses, and review your policy annually. Whether you’re a weekend cruiser or a daily commuter, the right insurance ensures that when the road calls, you’re ready — protected, prepared, and riding with confidence.

Don’t wait until an accident happens to realize the value of proper coverage. Start your research today, compare your options, and ride with the assurance that you’re covered — no matter where the road takes you.