Motorcycle insurance in Pennsylvania
Bikes, scooters, and trikes — quoted by Pennsylvania-licensed agents who know PA riding law.
Or call (610) 800-4410 · Open 7 days · 9 AM – 7 PM
We shop carriers including
- 8+ A-rated carrier partners Independent broker panel
- 7 days Open every week 9 AM – 7 PM ET
- 60 sec To a real quote ZIP-first flow
- PA-licensed Real agents Devon, Chester County
What motorcycle insurance covers
Motorcycle insurance in Pennsylvania has a few wrinkles that car insurance doesn't. The state's tort law treats motorcyclists differently. Helmet rules apply to riders under 21 and to those without two years of experience or a safety course. Premiums vary widely by bike type — a sport bike, a cruiser, and a touring bike are three different rate classes.
We write owner-rider policies and sell add-ons that matter: accessory coverage for aftermarket parts, transport trailer coverage, and total-loss replacement on new bikes. Most carriers offer roadside assistance bundled or as an inexpensive rider.
Lay-up policies (storage-only during winter) are available with most carriers. If your bike sleeps from November to March, ask about a lay-up rider — it can cut the premium by a third.
Three steps to a Pennsylvania quote
-
1
Tell us your ZIP
One field gets us started. We'll ask only what we need.
-
2
We shop the market
Multiple carriers compete. You see real options, not a single quote.
-
3
Bind in minutes
Pick the policy that fits and you're covered — same day.
Coverage types we write
-
Liability
Bodily injury and property damage you cause to others. Pennsylvania's 15/30/5 minimums apply.
-
Collision
Repairs to your bike after a wreck. Optional unless financed.
-
Comprehensive
Theft, fire, vandalism, deer collision. Bikes get stolen more than cars per registered unit.
-
Uninsured / underinsured motorist
Pays your medical and lost-wages bills if the other driver has nothing. Worth carrying high in PA.
-
Accessory coverage
Aftermarket exhaust, paint, saddlebags, and electronics. Standard policy limits are usually low — ask about a rider.
Why CY Financial for motorcycle insurance
-
Independent broker
We work for you, not a single carrier. Real comparisons, real choice.
-
Top-rated carriers
We price your risk across 8+ A-rated carriers — Erie, Travelers, Nationwide among them — and show the numbers side by side.
-
Real licensed agents
Every call lands with a PA-licensed producer in our Devon office — seven days a week, no phone tree, no hand-offs.
Carriers we shop
Frequently asked questions
Do I need motorcycle insurance in Pennsylvania?
Yes — Pennsylvania requires 15/30/5 liability on registered motorcycles. Unlike cars, the $5,000 first-party medical benefit does NOT extend to motorcycles, so your auto policy's medical coverage won't follow you onto the bike. That gap is exactly why we recommend med-pay and high UM/UIM limits for riders.
Will a sport bike cost more to insure than a cruiser?
Usually yes. Sport bikes correlate with higher claim frequency and higher claim severity in carrier loss data, so most carriers price them as a higher risk class.
What is a lay-up policy?
Reduced coverage for the months your bike is in storage. Liability typically drops; comprehensive (theft, fire) stays in force. The savings can be a third of the annual premium for riders who store from late fall to early spring.
Are aftermarket parts covered?
Most policies include a small accessory limit (often $1,000 to $3,000) that doesn't cover much beyond a saddlebag set. If you've put real money into the bike, ask about an accessory rider with a higher limit.
Can I add a passenger to my coverage?
Liability coverage applies to passengers automatically. For medical bills, passengers rely on med-pay if you carry it — Pennsylvania's first-party medical benefit doesn't apply to motorcycles — so confirm the med-pay limit covers the worst-case ER trip for two.
Go deeper
Related coverage
Ready to compare motorcycle carriers?
One ZIP code, one minute, real options.