Does Motorcycle Insurance Count as Auto Insurance?

If you own a motorcycle, you might wonder “Does motorcycle insurance count as auto insurance?” Or do you need a separate insurance policy for it?

After all, both cars and motorcycles are vehicles that require registration, licensing, and maintenance.

However, there are some important differences between motorcycle insurance and car insurance that you should be aware of before you hit the road.

In this article, we will explain how motorcycle insurance works, how it differs from car insurance, and how to find the best coverage for your bike.

An image of does motorcycle insurance count as auto insurance
Does motorcycle insurance count as Auto Insurance?
Photo Courtesy: Getty

Does Motorcycle Insurance Count as Auto Insurance?

No, Motorcycle insurance does not count as auto insurance.

Typically, motorcycles are insured under their own insurance policy.

Why Don’t Motorcycle Insurance Count as Auto Insurance?

Motorcycle insurance is in place because, like other motorized vehicles, motorcycles carry their own set of risks.

These risks include potential injuries to the rider and damage to the bike. However, practicing safe riding habits can help reduce these risks.

Unfortunately, in the event of a crash, injuries are often more severe with motorcycles.

Even with protective gear like helmets, your body lacks the protection offered by a car.

Typically, due to the speeds involved, motorcycles can also sustain more significant damage in accidents.

Moreover, if you have a passenger, both of you could be at risk of injuries, possibly serious ones.

In general, motorcycles tend to have lower purchase prices and less expensive repair costs compared to cars.

Nevertheless, insurance costs are influenced by various factors, including the specific model, purchase price, and repair expenses associated with the motorcycle.

How Does Motorcycle Insurance Work?

Well, Motorcycle insurance works much like auto insurance.

It covers you and your bike in case of an accident or injury while riding.

A typical motorcycle insurance policy includes liability insurance, which pays for any damages you cause to others, but it can also include coverage for your own bike and injuries.

If you own multiple motorcycles, you can opt for a multi-bike policy, often leading to a discounted rate from your insurance provider.

Conversely, you may not be fully covered when you use a different bike, for instance when you travel or lend one from a friend.

Normally, your liability insurance will extend to cover you, serving as either primary or secondary coverage in case of an accident.

Nevertheless, if you have uncertainties about the extent of your policy when on a different bike, it’s advisable to consult with your insurance provider.

Motorcycle Liability Insurance

In most states, motorcycle riders are required to have two types of liability insurance: bodily injury and property damage liability coverage.

As the names imply, these cover injuries to others or damage to their property.

It’s important to note that these insurance coverages do not protect you, the rider, or the motorcycle you are operating.

In the event of a collision, a third party usually submits a liability claim to your insurance company for damages you are responsible for.

It’s for this reason that liability insurance is often called third-party insurance.

Guest passenger liability coverage

Some motorcycle policies have extra coverage that car insurance does not: guest passenger liability insurance.

This coverage covers any passenger who gets hurt while on your motorcycle.

Certain states mandate that motorcycle liability insurance must incorporate coverage for guest passengers.

However, motorcycle insurance providers that do not automatically include guest passenger liability often present it as an optional coverage.

Obtaining distinct protection for individuals riding as passengers on your motorcycle is advisable, especially if you regularly have others joining you on rides.

What kinds of coverage are available with motorcycle insurance?

When searching for motorcycle insurance, finding a good policy is crucial.

It’s essential to choose a carrier that provides beneficial features for when you need to file a claim after an accident.

Here are some coverage options you can include in your policy:

  1. Liability – Covers expenses for third-party property damage and bodily injuries.
  2. Medical Payments – Takes care of injuries for you and your passenger following any auto-related accident.
  3. Uninsured Motorist – Provides coverage for your injuries in the event of an accident with a hit-and-run driver or someone without liability coverage.
  4. Comprehensive – Pays for damages to your motorcycle while it’s parked.
  5. Collision – Covers damages to your motorcycle after a collision.

If you’re unsure where to find reasonably priced motorcycle insurance, it’s a good idea to compare rates online.

What doesn’t motorcycle insurance cover?

Your motorcycle insurance may not cover certain uses of your bike.

To address this, you can either add extra coverage to your existing policy through a rider or endorsement, or you might need a completely separate policy.

If you plan to use your motorcycle for track days or competitions, not all insurance plans automatically cover these activities.

Before participating, check with your insurer to see if you’re covered.

Otherwise, it’s a good idea to buy temporary coverage for protection during these events.

For those using their motorcycles for work, like couriers, regular insurance may not cover job-related incidents.

In such cases, consider getting commercial vehicle insurance to ensure you’re protected when using your bike for work, beyond just commuting.


In the world of insurance, the question of whether motorcycle insurance counts as auto insurance has been answered.

Motorcycle insurance does not count as auto insurance.

Basically, Motorcycle insurance has different coverage options, requirements, and costs from car insurance.

Moreover, this type of insurance also has some unique features, such as guest passenger liability and track day insurance.

If you own a motorcycle, you should understand how motorcycle insurance works and what it covers.

Additionally, to find the best policies that fit your needs and budget, you should compare different policies and providers.

Riding a motorcycle can be a thrilling and rewarding experience, but it also comes with risks and responsibilities.

Just ensure that you have the right motorcycle insurance to protect yourself, your bike, and others on the road.

Stay safe, ride smart, and make sure your insurance is tailored to your thrilling adventures!

Also Read:


Leave a Comment