Motorcycle Insurance

Let’s face it, motorcycle insurance is important. Nearly every state requires proof of motorcycle insurance before you can register your bike. Beyond the state requirements, motorcycle insurance protects you, and your bike, in case of an accident.

JBG Insurance and Beyond, LLC works with industry-leading carriers to provide competitive rates and quality coverage along with outstanding services, liability coverage, collision coverage, bodily injury coverage and support.

There are other coverages available too, such as:

  • Replacement cost
  • Rental reimbursement
  • Roadside assistance
  • Optional/special equipment coverage

Qualifying Bikes and Vehicles

There are a variety of bikes that qualify for motorcycle coverage with Dairyland. These include motorcycles from manufacturers such as Harley-Davidson, Honda and Indian, as well as models ranging from cruisers to touring to sport bikes and custom bikes. Coverage is also available for two-wheeled rides like scooters and mopeds and off-road vehicles** such as dirt bikes, ATVs, UTVs and snowmobiles.

How Much Does Motorcycle Insurance Cost?

Motorcycle insurance can start as low as $6 per month, however cost can vary depending on several factors, including level of rider experience. Other considerations may include where you live, riding history, the type of coverage and what eligible discounts.

Are You A Biker?

Motorcycle Insurance

ATVs & UTVs
Off-Roading vehicles usually with
4 wheels or more

Motorcycle Insurance

Sports & Street Bikes
High performance motorcycles
built for speed

Motorcycle Insurance

Cruisers
Most common type of motorcycle

Motorcycle Insurance

Motocross Bikes
Lightweight dirt bikes with enhanced suspension and rugged tires

Motorcycle Insurance

Scooters & Mopeds
Small engine, lightweight vehicles

Motorcycle Insurance

Custom Bikes
Motorcycles custom built by a manufacture, shop or yourself

Motorcycle Insurance

Touring Bikes
Motorcycles for long distance riding built for comfort

Motorcycle Insurance

Vintage Bikes
Collectible or Classic bikes
over 25 years old

ATVs & UTVs

Rancher, hunter or adventure seeker – make sure you and your all-terrain vehicle (ATV), utility vehicle (UTV), or side-by-side are protected. ATV/UTV insurance can cover injuries or damages you’re liable for and repairs to your vehicle. Most carriers have basic liability protection and comprehensive/collision coverage—but many also have unique coverages to fit your needs so you can ride with peace of mind.
Motorcycle Insurance
Motorcycle Insurance

Sports & Speed Bikes

Thrill seekers looking for speed need to have the right protection in place before you hit the streets. Sport bike coverage can include pretty much everything that has to do with you and your bike including accidents (regardless of fault), theft, custom parts, medical bills, and more.

Coverage examples:

  • Bodily Injury & Property Damage Liability (BI/PD)
      Included in most policies and covers any damages you cause to other motorcycles, vehicles, and property, as well as injuries to other riders or drivers.
  • Comprehensive & Collision
    Comprehensive coverage pays to repair or replace your bike if it’s damaged from hitting an animal, weather-related incidents, or other events out of your control. Collision covers your bike if it’s damaged in an accident whether it’s your fault or not.
  • Enhanced Injury Protection
    Higher speeds can increase the risk for severe injuries and longer recovery times. If you can’t work due to an injury, enhanced injury coverage can pay you up to $250 per week for up to two years.

Motocross Bikes

Motocross bikes are usually off-road, dirt bikes that typically are not street legal in most states.

Liability insurance is required in most states however other coverages can include:

  • Bodily Injury & Property Damage Liability (BI/PD)
      Included in most policies and covers any damages you cause to other motorcycles, vehicles, and property, as well as injuries to other riders or drivers.
  • Comprehensive & Collision
    Comprehensive coverage pays to repair or replace your bike if it’s damaged from hitting an animal, weather-related incidents, or other events out of your control. Collision covers your bike if it’s damaged in an accident whether it’s your fault or not.
  • Total Loss Coverage
    Available for newer motorcycles. If your bike is totaled in a covered accident, we’ll pay the full manufacturer’s suggested retail price for a new bike, minus any deductible.
Motorcycle Insurance
Motorcycle Insurance

Scooter & Mopeds

Most carriers protect you and your scooter with the same coverages we offer for motorcycle insurance.

Important coverages can include:

  • Bodily Injury & Property Damage Liability (BI/PD)
      Included in most policies and covers any damages you cause to vehicles and property, as well as injuries to other riders or drivers.
  • Comprehensive & Collision
    Comprehensive coverage pays to repair or replace your scooter/moped if it’s stolen, damaged from hitting an animal, weather-related incidents, or other events out of your control. Collision covers your bike if it’s damaged in an accident whether it’s your fault or not.
  • Carried Contents and Belongings
    Protection for any personal belongings in the event Most Part of the customization of your Whole Life Product includes riders that can be added to give each policy different functionality.  a covered loss, including your phone.

Custom Motorcycle Insurance

Custom motorcycles are a work of art, a passion or a creation from the heart, protect your pride and joy with the right coverage. If your bike is listed in the NADA Appraisal Guide, usually all the motorcycle insurance coverages are available. If it is not listed in the NADA Appraisal Guide or it is built from a kit of parts, liability may be the only coverage available.
Motorcycle Insurance
Motorcycle Insurance

Touring Motorcycle Insurance

Protect your touring motorcycle before you hit the open road with the sun on your face and adventure on your mind. Touring bikes are built for comfort and long distances.

Like other motorcycles, liability insurance is needed in most states, which makes it especially important to have if you plan on traveling state-to-state. Longer distances mean added risk, adding extra protection can ease your mind while on the road.

Extra coverage may include roadside assistance, trip interruption, or carried contents coverage could help ease your mind on your trip.

  • Roadside Assistance and Trip Interruption  If your bike is disabled, stuck, or otherwise not functional, towing to the closest repair shop within policy guidelines is essential. Adding trip interruption can help pay for food and lodging up to the dollar limit. Roadside assistance can be needed before adding trip interruption.
  • Carried Contents and Belongings – Protection for any personal belongings in the event of a covered loss.

Vintage & Antique Motorcycles

Vintage, antique, historic, or collector motorcycle, regardless of what you ride, you can insure your bike the same way you would with any other motorcycle insurance policy. The year, make, and model of your vintage or antique bike will help provide the most accurate quote.
Motorcycle Insurance

ATVs & UTVs FAQs

Not all states mandate insurance on your ATV or UTV, but places where you ride it might – like RV trails and public parks. Also like your vehicle, if you’re financing your vehicle, some lenders will require comprehensive and collision coverage.

Home insurance typically covers your ATV for scenarios on your property only. That means you’ll need a separate ATV/UTV policy for accidents that occur away from home.

Sports & Speed Bikes FAQ

Yes. It’s required by most states to have liability insurance on your bike to legally to ride on the streets. We offer the same coverages for our sport bike insurance as we do for any other motorcycle. Adding extra protection, like medical payments and physical damage coverage, will give you peace of mind on the road.

Scooter & Mopeds FAQs

Liability insurance is required by law if the engine is 50cc or greater. That means you’ll be protected up to your policy’s limits if you cause damages or injure someone while riding. If you’re financing your bike, your lender may require you to carry physical damage coverage.

Some states may not require scooter or moped insurance for engines less than 50cc or top speeds below 30 mph. Make sure you know your bike’s specifications and check with your state to find out what’s mandated.

With a smaller engine and less weight to haul around, riding a scooter or moped allows for increased fuel-efficiency compared to a larger motorcycle or automobile. You won’t just save on gas—a parking permit for a scooter or moped typically costs less than one for a car. Plus, the compact size can be particularly beneficial when finding a parking space and navigating crowded areas on a college campus or in a big city.