Motorcycle insurance quote
Motorcycle quotes depend on bike type, garaging ZIP, rider history, and coverage preference. Start with the basics.
- Bike + rider + accessories
- Sport, cruiser, tour, scooter
- Stored-bike season pricing
Quick answers
Frequently asked questions
Can I cut coverage while the bike is stored?
Yes, with carriers that offer a lay-up or storage option. The setup typically drops collision for the stored months and keeps comprehensive, which is what pays for theft, fire, and vandalism while the bike is parked. Whether liability can be reduced depends on the carrier, and a bike that stays registered in Pennsylvania must stay covered by financial responsibility (75 Pa.C.S. §1786(a)), so ask us before you drop it. Collision goes back on before riding season.
Does my motorcycle policy cover gear and accessories?
The base policy covers the bike. Helmets, jackets, custom parts, and aftermarket equipment usually need a separate accessories endorsement with its own limit. We size that limit to the actual gear value.
What are PA motorcycle minimum limits?
Liability minimums match cars: 15/30/5 ($15,000 bodily injury per person, $30,000 per accident, $5,000 property damage). The difference is medical: the $5,000 first-party medical benefit that PA car policies must include does not apply to motorcycles (75 Pa.C.S. §1711(a)), so we recommend adding medical payments (med-pay) coverage. Our motorcycle insurance page lists the other coverages Pennsylvania riders usually add.
Need a different line of coverage?
Switch to another quote wizard. Each is calibrated to its line of coverage so we ask only what we need.
Prefer to talk it through?
Talk to Lionel or Linda, the licensed Pennsylvania agents who run CY Financial, at (610) 800-4410. Open Mon–Sat, 9 AM – 7 PM ET. No call-center hand-offs.