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May 2, 2026
Every state we serve requires motorcycle liability insurance. Learn the minimum requirements for each state, what each coverage type protects, and how to save on your policy.
Riding a motorcycle is a different experience from driving a car — and insuring one is different too. The risks are higher, the coverage needs are more specific, and the state requirements vary in important ways from state to state. Getting the wrong policy — or the bare minimum — can leave you exposed when it matters most.
Dragon Insurance Services helps riders across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky find motorcycle coverage that fits their bike, their riding style, and their budget. Explore our motorcycle insurance coverage options or read on for a full guide.
Every state we serve requires motorcycles to carry minimum liability insurance. Riding without it can result in license suspension, fines, and loss of registration. Here are the current minimum requirements for each state:
| State | Bodily Injury Liability | Property Damage Liability | Notes |
|---|---|---|---|
| Pennsylvania | $15,000 / $30,000 | $5,000 | No-fault PIP is NOT required for motorcycles in PA (unlike cars) |
| Texas | $30,000 / $60,000 | $25,000 | Updated minimums effective January 2023 |
| Virginia | $30,000 / $60,000 | $20,000 | Updated minimums effective January 2025 |
| Maryland | $30,000 / $60,000 | $15,000 | PIP required — minimum $2,500 |
| Ohio | $25,000 / $50,000 | $25,000 | — |
| Tennessee | $25,000 / $50,000 | $15,000 | — |
| Kentucky | $25,000 / $50,000 | $10,000 | No-fault state — PIP required; minimum $10,000 |
Minimums are set by state law and subject to legislative change. Verify current requirements with your state's motor vehicle authority. Minimums shown are for liability only; recommended coverage limits are typically much higher.
Pennsylvania riders: important difference from car insurance
Unlike car owners in Pennsylvania, motorcycle riders are NOT required to carry Medical Benefits (PIP/first-party benefits) as part of their policy. However, this means your own medical costs after a crash may not be covered by your motorcycle policy — making medical payments or health insurance coverage even more important to consider.
Minimum liability gets you legal to ride — but it does not protect your bike, your medical bills, or you if an uninsured driver hits you. Here is what each coverage type actually does:
Bodily Injury & Property Damage Liability
Covers injuries you cause to other people and damage you cause to their property. Required by law. The minimums are low — most riders should carry significantly higher limits to protect their personal assets.
Collision Coverage
Pays to repair or replace your bike after an accident, regardless of who is at fault. If your bike is financed, your lender almost certainly requires this. If you own it outright, it's still worth carrying if your bike is worth more than you can afford to replace out of pocket.
Comprehensive Coverage
Covers non-collision losses: theft (motorcycles are stolen far more frequently than cars), fire, flood, vandalism, falling objects, and storm damage. For a bike stored outside or in an unsecured garage, comprehensive coverage is particularly valuable.
Uninsured / Underinsured Motorist (UM/UIM)
Covers your medical bills and bike repairs when the at-fault driver has no insurance or not enough. This is one of the most important coverages for motorcyclists — riders are far more vulnerable in crashes, and uninsured drivers are common on roads in every state we serve.
Medical Payments (MedPay)
Pays your medical bills after a crash regardless of who is at fault. Especially important in Pennsylvania, where motorcycles are excluded from the mandatory PIP requirement that applies to auto policies.
Custom Parts & Equipment (CPE) Coverage
Standard policies often have low sublimits (commonly $3,000) for aftermarket parts and accessories. If you've added custom pipes, chrome, upgraded seats, saddlebags, or a sound system, you likely need additional CPE coverage to protect that investment.
Roadside Assistance & Towing
Covers towing and basic roadside help if your bike breaks down. Often available as a low-cost add-on — particularly useful for long-distance riders and those who tour.
Factors that typically raise your rate
Factors that typically lower your rate
In northern states like Pennsylvania, Ohio, and Kentucky, many riders store their bikes for 4–6 months during winter. You have a couple of options:
Keep liability active, reduce comprehensive/collision
Some carriers allow you to suspend collision during storage months while keeping comprehensive (protects against theft, fire, and weather). This is the most common approach — it reduces your premium without leaving your bike completely unprotected.
Important: do not simply cancel your policy
Canceling entirely during storage can create a coverage gap that raises your rate when you reinstate, may violate lender requirements, and leaves your bike unprotected against theft and storm damage. Talk to us before making changes — there is usually a smarter option.
Have your bike details handy (year, make, model, VIN) and we can usually get you a quote in one quick conversation.
Visit us: 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011
Serving riders across PA, TX, VA, MD, OH, TN, and KY.
Dragon Insurance Services LLC is a licensed independent insurance agency. Minimum coverage requirements are set by each state's legislature and are subject to change. The minimums shown above reflect our best understanding of current state law and should be verified with your state's motor vehicle authority. Coverage availability, rates, and terms vary by carrier, state, rider profile, and motorcycle type. Contact us for a personalized quote.
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