What Is Motorcycle Insurance?
Motorcycle insurance is a policy that provides financial protection for riders in the event of an accident, theft, or damage to their bike. A standard policy generally includes liability coverage for injuries or property damage you cause to others, collision coverage for damage from accidents, and comprehensive coverage for non-collision events like theft, fire, vandalism, and weather damage.
Additional coverage options — like uninsured motorist protection, medical payments, and custom parts coverage — are typically available as optional add-ons worth discussing with your agent. One that’s easy to overlook: uninsured motorist coverage. Without it, if an uninsured driver hits you, recovering your losses means suing them personally. It’s one of the most valuable coverages a rider can carry, and one of the most commonly skipped.
Most states require minimum liability coverage for all registered motorcycles. If you ride in California, note that minimums increased significantly as of January 1, 2025 — from the 15/30/5 limits that hadn’t changed since 1967 to the new 30/60/15 requirements. Regardless of where you ride, most agents recommend carrying limits above the state minimum to adequately protect your assets.
Who Needs Motorcycle Insurance?
Motorcycle insurance is required by law for any registered motorcycle — but the right coverage goes well beyond the state minimum. You should have a policy reviewed by an agent if you are:
- A daily commuter relying on your bike as primary transportation
- A weekend or recreational rider who hits the road seasonally
- A sport bike, cruiser, touring bike, or trike owner
- A classic or vintage motorcycle collector
- A new rider who just got your license and isn’t sure what you need
- Anyone who regularly carries a passenger
- A rider with aftermarket upgrades, custom parts, or non-factory accessories
Required by law in most states, liability coverage is generally designed to pay for bodily injury and property damage you cause to others in an at-fault accident. Carrying limits above the state minimum is strongly recommended to protect your personal assets.
Collision coverage pays for damage to your bike from accidents with other vehicles or objects. Comprehensive coverage is generally designed to protect against theft, fire, vandalism, and weather damage when you’re not riding.
Standard motorcycle policies typically cover factory-stock equipment only. If your bike has aftermarket upgrades, custom paint, chrome additions, or non-factory accessories, you’ll generally need a separate custom parts and accessories endorsement to protect that investment.
How to Get a Motorcycle Insurance Quote with Saint Moore
Getting covered is simple. Here’s how to get your policy started with Saint Moore in four easy steps.
Getting the right motorcycle coverage starts with understanding what you ride, how you ride it, and what’s required where you ride.
Step 1: Tell Us About Your Bike and Riding Habits
Make, model, year, how often you ride, any custom modifications — this helps us match you with the right carriers and coverage levels. No long forms, just a real conversation.
Step 2: We Shop Multiple Carriers
Saint Moore Insurance Agency compares motorcycle insurance options across top carriers to find the best fit for your budget and your bike. We explain your options clearly — liability limits, deductibles, and what each coverage actually does.
Step 3: We Flag the Coverage Gaps
We’ll make sure you understand what’s standard, what’s optional, and what riders in your situation should consider — like uninsured motorist coverage and custom parts endorsements.
Step 4: Get Covered and Ride
Most motorcycle policies can be activated same-day. You’ll know exactly what you’re covered for before you get back on the road.
Why Choose Saint Moore Insurance Agency for Motorcycle Insurance?
We’re an independent agency based in Redlands, CA — which means we work for you, not for any single carrier. We know what riders actually need, and we take the time to build coverage that reflects your bike and your situation.
Personalized Coverage — We don’t run your info through a form and hand you a number. We take the time to understand your bike, your riding habits, and what you’ve invested in your ride before recommending a policy.
Best Rates from Multiple Carriers — As an independent agency, we compare motorcycle insurance rates across top carriers to find the most competitive option without cutting corners on protection.
Speak Directly with a Licensed Agent — No bots, no hold music. You’ll work one-on-one with a licensed insurance professional who can answer your questions and get you a quote on the spot.
CA License #0747476 | Serving motorcycle riders across the Inland Empire and beyond.
Get matched with the best insurance carriers to protect you and your assets.
Local roots. Nationwide reach.
St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.
Ready to Ride Protected?
Call Saint Moore Insurance Agency at (909) 793-2151, stop by our Redlands office at 1150 Brookside Ave Suite Q, or request a quote online. Tell us about your bike and we’ll find the right coverage for how you actually ride.
Yes, motorcycle insurance is legally required in most U.S. states. At minimum, you must carry liability coverage to ride legally on public roads. The required limits vary by state, so it's important to know your local requirements before hitting the road.
A standard motorcycle policy can include liability coverage (for injuries or damage you cause others), collision coverage (for damage to your bike in an accident), and comprehensive coverage (for theft, fire, vandalism, and weather events). You can also add coverage for custom parts, accessories, and medical payments.
Yes. If you carry guest passenger liability coverage, your policy can help cover medical expenses for a passenger injured while riding with you. Some policies include this automatically; others require it to be added as an endorsement.
Collision coverage pays for damage to your motorcycle caused by an accident with another vehicle or object. Comprehensive coverage protects against non-collision events, including theft, fire, vandalism, hail, and falling objects. Both are optional but highly recommended for full protection.
Yes. Custom parts and accessories (CPA) coverage can be added to your policy to protect aftermarket upgrades, custom paint, chrome additions, and other modifications beyond your bike's factory value. Without it, those enhancements may not be covered under a standard policy.
