What Does Dirt Bike Insurance Cover?

Are you unable to locate your bicycle? It’s all right. We can insure almost any sort of off-road bike or motorcycle at Progressive.

Do you need dirt bike insurance?

On a dirt bike or motocross, many states demand liability insurance. When you get an online quote from Progressive, we’ll make sure you have the coverage you need to comply with your state’s regulations.

How much does dirt bike insurance cost?

We offer dirt bike and motocross insurance for as little as $75 per year. Quote online and you’ll be eligible for discounts right now to help you save money.

Tips for quoting dirt bike insurance

  • If you want to ride your dirt bike, several states will need you to have liability insurance on your coverage.
  • To start a policy, you’ll need your vehicle identifying number (VIN), but if you know your bike’s make, model, and year, you can still get an accurate price.
  • Even after you’ve purchased a coverage, taking a motorcycle safety course could help you save money.

What does dirt bike insurance cover?

With so many varied purposes for these bikes, you’ll want to make sure you’re riding safely. Take a look at some of our motocross and dirt bike coverages.

Bodily injury & property damage liability

Automatically included and covers any damage to other bikes, property (signs, fences, etc.) and injuries to other riders that you may inflict. Additionally, if you are sued, this might assist you with paying legal fees.

Comprehensive & collision

Comprehensive insurance covers damage caused by situations beyond your control, such as hitting an animal, vandalism, and even dirt bike theft. If your bike is damaged in an accident, regardless of responsibility, Collision will pay to repair or replace it.

Total loss coverage

Newer motorcycles are eligible. We’ll pay the full manufacturer’s suggested retail price for a replacement bike, minus any deductible, if your bike is totaled in a covered accident.

Should you insure your dirt bike?

Many insurance companies give coverage for dirt bikes as part of a motorbike insurance policy. However, because a dirt bike is not the same as a motorcycle, you may require an insurance tailored to your specific riding environment. What you’ll need will differ from one state to the next. Find out what local laws exist by contacting your state’s motor vehicle agency.

When Insurance is Needed

A dirt bike must be registered in many states. A dirt bike is classified a utility vehicle in some areas, such as North Carolina, and hence cannot be registered. However, if you have a dirt bike that is designed to be used for both off-road and highway riding, it will be classified as a motorcycle and will need to be registered as well as have the required liability insurance.

Any off-road utility vehicle has the potential to be hazardous. They have a higher risk of causing harm to the bike and injuring the rider than a motorcycle. While unregistered vehicle insurance isn’t required, it’s a good idea to get some coverage to protect yourself in the event of a collision.

If you have insurance, you may be covered in the event of a theft. Many people believe that their homeowner’s or renter’s insurance will cover their bike if it is stolen or destroyed in a fire. Unfortunately, these policies do not cover theft or damage to a dirt bike, necessitating the purchase of a separate policy.

Types of Coverage

The cost of dirt bike insurance is the same as the cost of auto insurance. The same coverages are offered, but at a reduced price. As a result, obtaining a Liability coverage that covers both bodily injury and property damage is relatively reasonable. Keep in mind that liability coverage exists to assist the other party in the event that you are involved in an accident. It does not cover any injuries or damages you or your bike may sustain. Optional benefits are available that cover these issues.

Bodily Injury – This coverage pays for the medical expenditures of the other rider involved in the collision, up to the policy limitations. Liability coverage, like a car policy, includes bodily injury.

Property Damage. -This coverage, which is also included in Liability coverage, pays for any damage to the other rider’s property in the event of an accident, up to the policy limitations. There may not be any property damage while riding off the road, but if you disturb someone’s land, private road, or crop, you could be held accountable.

Medical Payments – Medical Payments is an optional plan that pays for your medical expenditures or those of any passengers. Keep in mind that your health insurance policy may not cover medical expenses incurred while participating in dangerous activities. As a result, this advantage is highly suggested.

Collision and comprehensive insurance will cover you if you collide with an item or ride through tough terrain and damage your bike. Fire and theft are examples of risks covered by comprehensive insurance. Remember that if your bike is damaged in a fire or stolen from your garage, your homeowner’s insurance will not cover it.

Uninsured Driver. –

This form of coverage is critical because so many riders do not have insurance. It’s not required, but if an unskilled rider causes an accident with you, you’ll be financially harmed if the rider doesn’t have insurance.

Customization. If you have added any aftermarket equipment to your bike, a basic coverage may not cover you if it is damaged. Any modifications you’ve made to your bike will be covered under this policy.

– Motocross.

This is a specialized insurance policy for folks who race their dirt bikes. It isn’t required, and there aren’t any minimum liability limits like on a typical motorcycle coverage. If you filed a claim on a conventional policy following a racing incident, the claim would almost certainly be denied.

When looking for the cheapest insurance, consider the business that insures your homeowners, renters, or vehicle policy. Most insurers now provide discounts for combining plans. Many firms also provide discounts if a rider completes a safety course or has an anti-theft equipment professionally installed, such as a GPS locator. Because these reductions differ by insurer, it’s best to shop around for the best coverage at the best price.

Does insurance cover stolen dirt bike?

Your homes insurance policy is unlikely to cover your dirt bike (neither is a motorcycle or ATV). If your dirt bike is destroyed or stolen while being housed within your home, garage, or shed on your property, it is unlikely to be insured.

Because dirt bikes are typically less expensive than motorcycles, some owners may opt to take a risk and not insurance their machines. This is a bad idea. Dirt bike insurance covers more than just damage to your bike or theft; it also includes liability coverage, which is often needed by law.

Can you insure motocross bike?

This is a sort of off-road bike insurance that covers motocross, dirt bikes, and scramblers. You are solely responsible for any harm you cause to your bike, yourself, or others if you do not have it.

That implies you won’t get any money if you total your bike. Similarly, if you damage someone and they sue you, you will be responsible for all legal fees and compensation.

Do you need insurance for pit bike?

The short answer is that you do need insurance if you ride your off-road bike somewhere other than on private land. Even if you merely ride your dirt bike on public roads to go to a track or field, it’s a legal requirement that you obtain third-party liability insurance.

In reality, even riders who never ride on a public road might sometimes profit from an off-road motorcycle insurance policy. You’re fully responsible for the costs of any accident that damages your bike, someone else’s property, or causes harm if you don’t have insurance.

Do off-road motorcycles need insurance?

People who have never visited California may be shocked to learn certain facts about the Golden State. California, for example, has both the highest (Mount Whitney) and lowest (Death Valley) points in the United States. This is also where the largest county in terms of area is located (San Bernadino County). California also raises the most turkeys of any state in the union.

California is full of surprises, and the same can be said of the motorbike insurance available in the state. Here are five things you may not know about California motorcycle insurance.

1. When riding your motorcycle, you must have proof of insurance. When riding their motorcycles on California roads, motorcyclists must have evidence of insurance, much like passenger vehicle drivers. As a result, you must either have your wallet with your insurance card with you at all times when riding your motorcycle, or keep your card in a compartment on your bike. If you are pulled over without it, the police may issue you a ticket for failing to present proof of insurance.

2. Customized motorcycles are not covered by motorcycle insurance. If your motorcycle is in good condition, “They are normally not covered under a basic motorcycle insurance policy if they are “tricked out” with customized equipment or special parts. This could also include any aftermarket parts you use. You can, however, get coverage for customized motorcycles, just as you do for historic cars. For additional information on this unique coverage, contact your insurance agent.

3. You are not required by law to have dirt bike insurance. According to California law, “Off-highway vehicles, such as dirt motorcycles, are exempt from state insurance requirements. (Of course, this also means that riding a dirt bike on public roads is illegal.) Even though it isn’t required by law, you should think about insuring yourself and your bike.

Even though it isn’t required by law, you should think about insuring yourself and your bike.

4. A greater deductible can help you save money on your insurance premiums. You must have minimum insurance coverage amounts of $15,000 for single-person bodily injury, $30,000 for all bodily injuries in a single incident, and $5,000 for property damage, just as you must with vehicles, but there is no minimum or maximum deductible needed by state law. If you want to save money on insurance, choose a greater deductible (such as $500, $1,000, or more) and your premiums will normally be lower.

5. There are several ways to save money on motorbike insurance. Successful completion of a qualifying motorcycle safety course, for example, can result in a discount of up to 5%. Installing an anti-theft gadget on your bike may also save you money. Finally, if you are over 55 years old or a full-time student with a B average, you may be eligible for further savings. For further information, contact your insurance representative.

Additional Information on California Motorcycle Insurance

Contact AIS Insurance today for more information on receiving the motorbike insurance that best meets your needs. They will do all possible to keep the process of obtaining coverage for your motorcycle free of surprises.

This information is provided solely for educational reasons and does not constitute a contract. A specific policy’s definitions, phrases, and coverages may change from those mentioned above, and that policy will be regulated by the wording included therein. There is no express or implied warranty or suitability for a specific purpose.

Does Geico cover dirt bikes?

Insurance for Motorcycles With GEICO, you’re in good hands. Sport bikes, cruisers, touring bikes, Enduros, scooters, dirt bikes, trikes, and certain custom bikes are among the motorbikes we insure.

Do you need insurance for a dirt bike in California?

You must have insurance if your dirt bike is street legal. California, like other states, handles most vehicles the same when it comes to insurance: dirt bike riders must have the same insurance as motorcyclists and car drivers. California requires three types of liability insurance: physical injury, property damage, and product liability.

Do you need insurance on a dirt bike in Ontario?

Dirt Biking in Ontario: The Laws. The Off-Road Vehicle Act governs off-road motorcycles in Ontario. The next stipulation is that you must have insurance in order to drive your vehicle anywhere other than your own land. The two most important types of insurance are public liability and public damage.

Does Oregon require dirt bike insurance?

ATVs are only used off-road. All Class II ATVs must be insured under Oregon’s mandated insurance statute. It is strongly advised that you insure your vehicle to protect yourself, the vehicle, and others in the event of an accident.