Motorcycle Insurance

Motorcycle Insurance Protects More Than Bikes

Whether riding a road bike or a dirt bike, insuring the two-wheeled vehicle is required by law in every state when on roads and in some locales when riding public trails.

Riders can purchase insurance coverage to satisfy state minimums for liability insurance, which pays up to policy limits for causing injuries or damages to other people and their property but will not pay a cent if the rider is injured or his or her motorcycle is stolen or damaged in an accident.

Insurance to pay for injuries to the rider is available for a bit more money, and full coverage insurance and uninsured/underinsured motorist insurance also can be bought to provide maximum insurance protection.

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Motorcycle Insurance Generally Costs Less Than Auto

Unless riding a sportbike or an expensive cruiser, like a high-end Harley-Davidson, Victory, or Indian motorcycle, the cost of insuring a motorcycle is much less than the cost of a comparable auto insurance policy.

Because sport bikes have a lot of body parts and high-powered motors that are expensive to repair, insuring them is very costly for most people under age 30 and for those with poor driving records. Generally, the younger the rider, the costlier the insurance.

Otherwise, motorcycles, generally cause little damage to other vehicles or property when they are ridden by skilled, experienced, and safe riders. That lessened danger of high accident costs involving most motorcycles means their insurance policies for most riders are very affordable with full coverage available for anywhere from about $100 per year up to about $300 for full coverage insurance and less for liability-only policies.

Which Types of Insurance to Use

Anytime someone rides on the road, full coverage insurance always is the best option with additional uninsured/underinsured motorist coverage. Uninsured/underinsured provides insurance protection against hit-and-run drivers and those who only have state minimum liability insurance, which easily is surpassed when motorcyclists suffer serious injuries in an accident.

Those who ride off-road will benefit from recreational vehicle insurance, which is available for ATVs, dirt bikes, and other off-road conveyances.

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BIG Revelations from

other customers

Customer service was excellent,Jovan knew his products well.
mark dollinger
mark dollinger
Jovani was excellent at helping find insurance at an acceptable price
lilqik
lilqik
Very prompt response to my request for insurance for homeowners and windstorm coverage as well as car insurance. I highly recommend this team!
Kate Linkins
Kate Linkins
The staff at Independent Ins Counselors are very knowledgeable and nice. They found us the best quote/policy for our family. I would definitely recommend them to others !
Rainbeaux Sneaux
Rainbeaux Sneaux
Very nice and helpful staff. Ms. Betty has the most understanding and soothing voice of a loving grandma and thorough explains all you need to know.
Stacey Boyd
Stacey Boyd
Hello yes, I would like to say that jovani who helped me there with my policy and helping me and my husband get a great quote was awesome. He saved us so much money that we are thankful.Were so glad that we switched.Thank you jovani
Elisha Robinson
Elisha Robinson
Have always been helpful and easy to get in contact with.
J Smith
J Smith
Very nice staff and very quick to help with any needs I might have.
Emily Guzman
Emily Guzman
They have always been responsive and helpful and gotten me good prices.
David Smoot
David Smoot
Everyone of you keep me taken care of and i appreciate all you do for me
lindia ward
lindia ward
Great insurance company always friendly and helpful
Jeffrey Lewis
Jeffrey Lewis
I have done business with Independent insurance for 30 years and have been served well. They are dependable and will help you in any way they can.
Pam Waters
Pam Waters
Great experience. Amber found me a more comprehensive policy for less money. Followed up with me in a timely manner.
Gerald Enochs
Gerald Enochs
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(281) 331-3131

302 South Gordon St. | Alvin, TX. 77511