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Compare 30+ carriers for motorcycle insurance in Pennsylvania and six other states. Liability, custom parts, SR-22, and full coverage for every riding profile.
Licensed in PA, TX, VA, MD, OH, TN & KY only. Quotes available for these states.
Quick Answer
Coverage for injuries or damage you cause.
Repairs to your bike after a crash.
Theft, fire, and weather-related losses.
Helps with medical bills after an accident.
Protection for upgrades and accessories.
Towing and emergency help on the road.
Why You Need It
Protect your bike and your financial responsibility. Motorcycle insurance helps cover damages, theft, and liability if you're involved in an accidentso you can ride with confidence.
Weekend riders with standard bikes.
Daily riders with custom parts.
High-value bikes and frequent riders.
Bike type
Sport bikes cost more to insure.
Riding experience
Years of experience impact rates.
Location
Urban areas have higher claim rates.
Usage
Daily commuting vs seasonal riding.
Yes. Passenger liability can be added to protect riders on your bike.
Yes. We can add accessory coverage for custom upgrades.
Many riders keep comprehensive coverage year-round to protect against theft.
Roadside can be added for towing and emergency support.
Turnaround varies by bike details, riding history, and carrier requirements. We will confirm timing after review.
SR-22 is a certificate of financial responsibility that your insurer files with the state after certain violations such as a DUI or license suspension, it is not a separate type of insurance. Not all carriers file SR-22s for motorcycle policies. We work with carriers that do and can help you find coverage that meets your state requirements across PA, TX, VA, MD, OH, TN, and KY.
Cost varies significantly by bike type and coverage level. Liability-only on a standard cruiser can start around $8 to $15 per month. Full coverage on a cruiser typically runs $50 to $75 per month. Sport bikes with full coverage often exceed $200 per month. Your riding history, age, and garaging location also affect your rate. We compare 30+ carriers to find your best option.
Yes. A clean riding record is the single biggest factor for lower premiums. Completing an approved safety course can reduce your rate further. We shop multiple carriers to find the most competitive option for your riding profile.
Yes. Pennsylvania requires all motorcycle operators to carry minimum liability insurance: $15,000 per person and $30,000 per accident for bodily injury, and $5,000 for property damage. Riding without insurance in PA risks a $300 fine, registration suspension, and personal liability for the full cost of any accident you cause.
Pennsylvania requires 15/30/5 minimum liability: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage. PA also has a continuous coverage requirement, which means a lapse in coverage can result in registration suspension even if you are not actively riding. Most riders carry limits above the state minimum to protect their personal assets.
Yes. Pennsylvania has a continuous coverage requirement. You must maintain active motorcycle insurance as long as your bike is registered, even during winter months when you are not riding. Canceling your policy without surrendering your registration and plates can result in a coverage lapse violation and registration suspension.
Quote Support
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Local Coverage
Dragon Insurance Services is a licensed independent motorcycle insurance agency serving riders across Pennsylvania and six other states. Our office is at 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011. We help PA riders in Harrisburg, Camp Hill, Lemoyne, York, Lancaster, Allentown, and across the state compare motorcycle insurance quotes from 30 plus carriers including Progressive, Safeco, Foremost, and Bristol West.
Pennsylvania requires 15/30/5 minimum liability and continuous coverage year-round. Whether you need SR-22 filing, custom parts protection, or the lowest rate for a clean record, we find your best option in one call. Call 717-229-5115 or get a quote online.
Locally based in Camp Hill, PA, serving clients across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
Need to know the PA requirements? Do You Have to Have Motorcycle Insurance in Pennsylvania? 2026 Guide covers PA minimums, continuous coverage rules, and penalties for riding uninsured.
PA rider with specific questions? Motorcycle Insurance Pennsylvania: 9 Questions PA Riders Ask answers cost by bike type, custom parts, SR-22, and the continuous coverage rule.
Blog
Motorcycle insurance requirements, coverage types, and ways to save across PA, TX, VA, MD, OH, TN, and KY.
June 9, 2026
Do You Have to Have Motorcycle Insurance in Pennsylvania? 2026 Guide
Yes, Pennsylvania requires motorcycle insurance. PA minimums are $15,000/$30,000 bodily injury and $5,000 property damage. Riding uninsured in PA risks a $300 fine, registration suspension, and personal liability for all accident costs.
Read article →
June 6, 2026
How Much Is Motorcycle Insurance? 2026 Cost Guide by State, Bike & Rider
How much is motorcycle insurance? Real 2026 costs by state (PA, TX, VA, MD, OH, TN, KY), bike type, and rider age, plus 8 ways to lower your premium. Get a free quote to see rates for your situation.
Read article →
June 20, 2026
Motorcycle Insurance Pennsylvania: 9 Questions PA Riders Ask Most
Pennsylvania requires 15/30/5 minimum liability and year-round continuous coverage. Here are the 9 questions PA riders ask most about motorcycle insurance, answered by an independent agent who quotes 30+ carriers.
Read article →
