Motorcycle Insurance
Motorcycle insurance is a crucial safeguard for anyone who rides on two wheels. Just like car insurance, it helps protect you financially in case of an accident, theft, or damage to your bike. Most policies can cover liability for bodily injury and property damage, medical payments, and even roadside assistance. The right policy fits your unique needs and riding habits so you’re never caught off guard.
Several factors influence your premium: the type of bike you ride, your age, riding experience, and location. Sport bikes often carry higher premiums due to increased accident risk, while cruisers and touring bikes may cost less to insure. Maintaining a clean riding record and completing safety courses can help lower your rates — signs of a responsible rider that insurers reward.
Our licensed professionals find motorcycle coverage that truly fits — competitively priced.
Motorcycle insurance protects you, your bike, and your finances on the road. Most states require riders to carry the same minimum liability coverage as car drivers, and several optional coverages help protect your motorcycle itself.
Liability Coverage
Required by law in most states, liability coverage pays for injuries and property damage you cause to others in an at-fault accident. Each state sets its own minimum limits for bodily injury and property damage liability. It does not pay to repair your own motorcycle.
Collision and Comprehensive Coverage
Collision coverage pays to repair or replace your motorcycle after a crash, regardless of fault. Comprehensive covers non-collision losses such as theft, vandalism, fire, and storm damage. Both are optional but recommended, especially for newer or financed bikes.
Uninsured and Underinsured Motorist Coverage
This protects you if you are hit by a driver who has no insurance or not enough. With many drivers on the road uninsured or underinsured, it is valuable coverage for riders.
Accessories and Custom Parts Coverage
Standard policies often limit coverage for custom parts, chrome, saddlebags, and aftermarket equipment. If you have invested in customizations, you can add coverage to protect them.
Is motorcycle insurance required?
Yes. Motorcycles must carry the same minimum liability coverage as other vehicles, as set by your state. You must keep proof of insurance with you while riding.
Does liability coverage pay to repair my motorcycle?
No. Liability covers injuries and damage you cause to others. To cover your own bike, you need collision and comprehensive coverage.
Are my custom parts and accessories covered?
Standard limits for custom parts are often low. If you have added aftermarket or custom equipment, ask about accessories coverage so your investment is protected.
What if I only ride seasonally?
Many riders keep coverage year-round so the motorcycle is protected against theft or damage even in storage. Talk with us about the best option for how you ride.
Why buy motorcycle insurance through an independent agent?
As an independent agency, Baer Insurance Services represents many carriers, so we can compare coverage and price for your bike and how you ride, with personal, local service.
Motorcycle Insurance — Coverages Can Include:
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Bodily injury liability -
Property damage liability -
Collision coverage -
Comprehensive coverage -
Medical payments -
Uninsured/underinsured motorist -
Custom parts & equipment -
Roadside assistance
Before revving up your new bike, protect yourself and your hot wheels with Motorcycle insurance. The professionals at Baer Insurance Services in Middleton, Wisconsin can discuss your options from personal injury protection to property damage liability. Call us today, and we’ll get you rolling with the coverage you need.