Motorcycle insurance may provide riders with valuable financial protection by helping cover costs from unexpected events. Having the right coverage means you’re better equipped to handle accidents, damage or theft. With a solid motorcycle insurance policy, you can ride with greater confidence, knowing you’re prepared for whatever comes your way.

How Does Motorcycle Insurance Work?

Motorcycle insurance functions similarly to auto insurance. It may provide financial assistance following accidents, theft and vandalism. A standard policy typically includes liability coverage, which may cover bodily injury and property damage you caused others in an accident. Additional coverage options, like collision and comprehensive insurance, may cover damage to your bike from accidents or noncollision-related incidents. There are also optional add-ons, like uninsured/underinsured motorist coverage, medical payments and accessories coverage, for extra peace of mind.

How Much Motorcycle Insurance Do I Need?

To determine the amount of motorcycle insurance you need, consider the following factors:

• State insurance requirements
• Your bike’s value
• Your riding habits
• Your budget
• Deductibles

At a minimum, you’ll need liability coverage to comply with state laws. However, many riders opt for higher limits and additional coverage to safeguard against potential out-of-pocket expenses.

Oklahoma mandates a minimum level of liability coverage to protect against bodily injury and property damage in accidents. Without proof of insurance, you may face significant penalties, such as fines and suspension of riding privileges.

How Much Does Motorcycle Insurance Cost?

Your motorcycle insurance cost will depend on factors such as the following:

• Type and value of your bike
• Riding history
• Location
• Age and experience
• Coverage levels

Consult a Metro Insurance agent to help you identify the right coverage for your needs and find low-cost motorcycle insurance.

Who Offers Motorcycle Insurance?

Metro Insurance offers custom motorcycle insurance that fits your budget. Contact us today to learn more.