Riding a motorcycle through the scenic routes of New York State—from the winding roads of the Catskills to the urban buzz of NYC—comes with both thrill and risk. That’s why motorcycle insurance isn’t just a legal requirement—it’s essential for your protection.
Get list of top motorcycle insurance companies in New York, what types of coverage they offer, and how to choose the best plan for your riding lifestyle.
Why You Need Motorcycle Insurance in New York
New York law requires all motorcyclists to carry liability insurance. But for full protection, you may want more than the bare minimum. Accidents, theft, vandalism, and even weather damage can result in major costs.
Minimum legal requirements in NY:
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$25,000 for bodily injury per person
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$50,000 for bodily injury per accident
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$10,000 for property damage
However, these limits may not fully protect you, which is why many riders opt for comprehensive and collision coverage.
Top Motorcycle Insurance Companies in New York
Here’s a list of the most trusted and popular motorcycle insurers in the state:
1. Progressive
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Why Choose: Offers highly customizable motorcycle coverage, including full replacement cost, accident forgiveness, and accessories protection.
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Highlights:
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Covers custom parts and gear
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24/7 roadside assistance
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Discounts for safe riders and bundling
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Best For: Riders looking for extensive add-ons and nationwide service
2. GEICO
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Why Choose: Affordable rates and fast online quotes, backed by a strong reputation for customer satisfaction.
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Highlights:
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Multi-policy discounts
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Helmet and safety gear coverage
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Online claim tracking
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Best For: Budget-conscious riders and first-time bike owners
3. Allstate
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Why Choose: Offers both standard and premium motorcycle insurance with personalized agent support.
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Highlights:
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New bike replacement
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Towing and labor coverage
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Rider protection package
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Best For: Riders seeking one-on-one agent relationships
4. Dairyland
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Why Choose: Specializes in motorcycle insurance with flexible plans, even for riders with imperfect driving records.
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Highlights:
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Broad bike type coverage (sport, cruiser, scooter)
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SR-22 filings available
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Pay-as-you-go options
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Best For: High-risk or non-standard riders
5. Nationwide
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Why Choose: Offers solid motorcycle coverage with the ability to bundle with auto or home insurance.
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Highlights:
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OEM parts guarantee
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Multi-vehicle and anti-theft discounts
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Strong financial backing
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Best For: Multi-policy households
6. Markel
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Why Choose: Known for specialty motorcycle insurance with advanced customization options.
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Highlights:
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Track day and vintage bike coverage
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Discounts for safety courses and experienced riders
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Rental reimbursement
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Best For: Enthusiasts, racers, and vintage collectors
Optional Coverage Add-Ons You Should Consider
While liability insurance is required, consider adding:
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Collision Coverage: Pays for damage to your bike in a crash
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Comprehensive Coverage: Protects against theft, vandalism, fire, or storm
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Uninsured/Underinsured Motorist: Covers your costs if the other driver lacks insurance
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Roadside Assistance: For towing, fuel delivery, or mechanical breakdown
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Accessory Coverage: Protects custom parts, chrome, and gear
Average Cost of Motorcycle Insurance in NY
| Coverage Type | Average Annual Premium |
|---|---|
| Minimum Liability Only | $150 – $400 |
| Full Coverage | $500 – $1,200 |
| High-Performance Bikes | $1,000+ |
Your rate depends on:
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Age and driving history
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Type and value of your motorcycle
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Where you live (city vs. rural)
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Credit score and insurance history
Tips for Finding the Best Motorcycle Insurance in NY
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Compare Quotes Online: Use comparison tools to get rates from multiple providers.
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Take a Safety Course: Many insurers offer discounts for completing approved courses.
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Bundle Policies: Combine with auto or renters insurance for better deals.
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Review Deductibles: Higher deductibles lower premiums but increase out-of-pocket costs.
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Understand Exclusions: Read the fine print—some policies exclude racing or off-road use.
Final Thoughts
New York offers a wide range of options for motorcycle insurance, whether you’re cruising through Manhattan or exploring backroads upstate. The key is to find a policy that not only meets legal requirements but also gives you peace of mind.
Pro Tip: Always check if the company offers discounts for anti-theft devices, good riding history, or motorcycle club memberships.
FAQs
A: Yes. All motorcycles registered in New York State must carry minimum liability insurance to be street legal.
A: New York requires:
$25,000 for bodily injury per person
$50,000 per accident
$10,000 for property damage
A: Top providers include Progressive, GEICO, Allstate, Dairyland, Nationwide, and Markel—offering various coverage options and discounts.
A: On average:
Liability-only coverage: $150–$400/year
Full coverage: $500–$1,200/year
Rates depend on your age, location, motorcycle type, and driving history.
A: Yes. Insurers like Markel and Dairyland offer specialized plans for vintage, custom, and collector bikes.
A: Yes. Common discounts include:
Safe rider/accident-free history
Bundling with home or auto
Motorcycle safety course completion
Anti-theft device installation
A: Many do. Providers like Progressive and GEICO offer accessory coverage for helmets, jackets, saddlebags, and custom parts.
A: Liability pays for damage/injury you cause to others.
Full coverage includes liability plus collision and comprehensive, covering your own bike as well.
A: Some insurers offer lay-up policies that pause coverage during winter while maintaining theft/fire protection.
A: You can file online, via mobile app, or by calling your insurer. Always take photos, gather witness info, and report accidents promptly.