What are the minimum motorcycle insurance requirements in PA?

In Pennsylvania, riders must carry at least $15,000 in bodily injury coverage per person, $30,000 per accident, and $5,000 in property damage liability. These minimums satisfy legal requirements, but many riders choose higher limits and additional coverage for better protection. We’ll help you build a policy that matches your needs.

Does my motorcycle insurance cover passengers?

It depends on your policy. Some motorcycle insurance plans include passenger liability coverage, while others require you to add it separately. If you often ride with a passenger, we’ll make sure they’re protected, too.

Is custom equipment covered?

Standard policies may not fully cover custom parts or aftermarket accessories. If you’ve upgraded your handlebars, paint, seat, or engine, you’ll want to add custom equipment coverage. We can help you assess your upgrades and ensure they’re insured properly.

Can I pause my insurance in the off-season?

Some carriers offer lay-up policies or seasonal adjustments that reduce coverage when your bike is stored. This can help save money during the winter months. Just remember: your bike won’t be covered for theft or weather damage unless certain protections stay active.

How is motorcycle insurance priced?

Rates are based on your bike type, age, riding history, coverage levels, and where you live—like East Norriton or other parts of Pennsylvania. High-performance motorcycles often cost more to insure. We’ll shop around and help you find the right balance of cost and coverage.

Motorcycle Insurance in PA

Motorcycle insurance helps protect you, your bike, and others on the road in the event of an accident, theft, or damage. Whether you’re cruising through Montgomery County or heading out across Pennsylvania, the right coverage ensures you’re riding legally and safely. In East Norriton and beyond, we help riders get affordable motorcycle insurance that meets state requirements and supports their lifestyle. From liability to full coverage, we’ll tailor your policy to how—and where—you ride.

What are the minimum motorcycle insurance requirements in PA?
In Pennsylvania, riders must carry at least $15,000 in bodily injury coverage per person, $30,000 per accident, and $5,000 in property damage liability. These minimums satisfy legal requirements, but many riders choose higher limits and additional coverage for better protection. We’ll help you build a policy that matches your needs.
Does my motorcycle insurance cover passengers?
It depends on your policy. Some motorcycle insurance plans include passenger liability coverage, while others require you to add it separately. If you often ride with a passenger, we’ll make sure they’re protected, too.
Is custom equipment covered?
Standard policies may not fully cover custom parts or aftermarket accessories. If you’ve upgraded your handlebars, paint, seat, or engine, you’ll want to add custom equipment coverage. We can help you assess your upgrades and ensure they’re insured properly.
Can I pause my insurance in the off-season?
Some carriers offer lay-up policies or seasonal adjustments that reduce coverage when your bike is stored. This can help save money during the winter months. Just remember: your bike won’t be covered for theft or weather damage unless certain protections stay active.
How is motorcycle insurance priced?
Rates are based on your bike type, age, riding history, coverage levels, and where you live—like East Norriton or other parts of Pennsylvania. High-performance motorcycles often cost more to insure. We’ll shop around and help you find the right balance of cost and coverage.