Motorcycle Insurance
Hitting the open road on a motorcycle can offer a sense of freedom and adventure, but accidents happen. Don’t ride without motorcycle insurance, as it’s important to be protected on every part of your journey. With Amica's comprehensive coverage, you can ride with confidence knowing you're backed by reliable, trustworthy service.
Tailor your motorcycle insurance coverage
When you own a motorcycle, it's important to consider insurance coverage to protect yourself and your bike. We understand that every rider is unique, which is why a customized quote for motorcycle insurance provides coverage tailored to your needs. Amica’s personalized approach can help you secure the right protection without paying for coverage you don’t need or missing out on important features.
Liability coverage
Bodily injury liability coverage is a legal requirement in most states. This coverage pays for damages and legal fees if an accident is your fault or someone else is injured.
Property damage liability coverage is also legally required in most states as part of motorcycle insurance and helps pay for damages you cause to another person's property if an accident is your fault.
Comprehensive coverage
Comprehensive, or other-than-collision coverage, helps pay for damage to your motorcycle that isn’t caused by a collision. This coverage is optional in most states, but leased or financed vehicles may be required to carry it.
Collision coverage
Collision coverage helps cover the value of the motorcycle or repair costs when you're involved in an accident. While optional in most states, collision is also often required if you're financing or leasing your motorcycle.
Medical coverages
Personal injury protection (PIP) provides coverage for medical and other related expenses you and your passengers incur when injured in an accident, regardless of fault. PIP includes coverage for lost wages, funeral expenses and essential services, like child care. PIP is typically not required coverage in all states.
Medical payments coverage (MedPay) helps to pay for medical expenses for you and your passengers when the injuries are the result of an accident, regardless of fault. MedPay is also typically not required in all states.
Uninsured/underinsured coverage
Uninsured/underinsured motorist bodily injury coverage provides protection when you or a passenger are injured in an accident with a driver who doesn't have car insurance or doesn't have enough to cover the damages. This coverage is required by some states, but even if your state doesn’t require it, it's a valuable coverage worth considering.
Uninsured/underinsured motorist property damage coverage helps cover the cost to repair your motorcycle if the at-fault driver doesn’t have car insurance or has insufficient coverage to pay for the full extent of the damages. This coverage is optional in most states.
Additional coverage add-ons
Roadside assistance: Provides help when your motorcycle breaks down, from jump-starts and tire changes to fuel delivery and non-accident-related towing.
Rental reimbursement: Covers the cost of a rental vehicle while your motorcycle is being repaired.
Gap coverage: Pays the difference between what you owe on your loan and the actual cash value of your motorcycle if it's totaled.
Custom equipment: Protects your aftermarket parts and accessories.
Electronic equipment coverage: Covers damage to your electronic devices, like GPS units and sound systems.
Types of motorcycles we insure
We’ve got you covered, whether you ride a traditional motorcycle, scooter, cruiser or touring bike. We offer insurance for a wide variety of motorcycles to keep you protected on every ride.
Experience the Amica difference:
Award-winning customer care
We'll be there for you with answers, insights and solutions.
Timely claims handling
We'll work with you to resolve your loss as quickly and efficiently as possible.
Bundle your coverages
Save more when you bundle auto and home insurance.1
Why choose Amica?
The Amica experience means we provide reliable insurance coverage built on transparency, integrity and dependability, backed by our award-winning claims and customer service teams. With over a century of financial stability, we offer peace of mind, assuring policyholders that we’re a firmly established and trustworthy insurance provider.
Exceptional value
Our approach to motorcycle insurance focuses on you — you’re at the forefront of everything we do. We provide customized coverage ensuring you’re well protected. With access to a variety of discounts and rewards programs, you have the potential to lower your rates without sacrificing the quality of your coverage, giving you peace of mind on the road.
Quality service
We’re here for you, ready to assist with policy management, claims processing and more. Our dedicated support team has a long history of customer satisfaction, which means you can expect assistance from knowledgeable representatives who understand your individual needs. Whether it's paying your bill or providing guidance on coverage options, Amica aims to deliver exceptional service at every touchpoint.
Reliable protection
Experience reliability with swift claims resolution to get you back on the road with minimal disruption. Amica policyholders have access to a convenient online portal and mobile app, where they can easily manage their claims. Policyholders also have access to advanced tools and resources for proactive protection for a seamless insurance experience.
Common questions about motorcycle insurance
Yes, motorcycle insurance is required in most states. The specific requirements vary, so it's important to check the laws in your state.
You can get a motorcycle insurance quote online or by calling 800-242-6422.
Motorcycle insurance costs vary based on factors including age, driving record, motorcycle type and the coverage you choose.
You may be able to cancel your motorcycle insurance during the winter if you don't plan on riding. Check with your insurer to see if there are any penalties for canceling your policy early.
Insights and guidance for motorcycle owners
Customer service that earns loyalty
Empathy isn't just a word — it's woven into every interaction with our policyholders. Their experiences are a testament to the trust and loyalty built over decades of compassionate service and support.
1 Discounts not available in all states and may vary.
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