Car vs. Motorcycle Insurance: What’s the Difference?

 In Auto Insurance, Blog

3 Things That Make Motorcycle and Car Insurance Different

Motorcycles and cars are both vehicles, so how different can they be when it comes to insurance? If you own a motorcycle or are planning to own one, you might have asked yourself this question at some point. Although, at plain sight, the difference lies in the number of wheels each of them has, when it comes to insurance, the difference is a bit more complicated.

Motorcycle Insurance Is Not Required Everywhere

Every state, except for Montana, Florida and Washington require you to have motorcycle insurance. Montana and Washington don’t even require it, while Florida only asks you to wear a helmet unless your coverage is for $10.000 or above.

man hand stopMotorcycle Insurance Is Likely to be Pricier

Although you will probably invest less money buying a new motorcycle than purchasing a new car, the cost of insurance tends to be higher for motorcycles. Why? Well, anyone driving a motorcycle is much more likely to be involved in an accident compared to those driving a car. Also, motorcycle drivers are much more likely to become injured while driving versus car drivers, as they are less protected by that type of vehicle. Lastly, according to the National Highway Traffic Safety Administration, motorcycle accidents are 28.5 times more likely to be fatal than car accidents. The greater the risk, the higher the cost of insurance.

Motorcycle Insurance Might Not Cover Personal Injuries

States like Massachusetts, for example, don’t apply Personal Injury Protection laws to motorcycle drivers. So, if you were involved in an accident while you drive your motorcycle, you and your passengers would not be covered if you become injured. Other states with variations to the PIP laws include New Jersey, Kentucky, Florida, Hawaii, Kansas, Michigan, Minnesota, New York, Pennsylvania, Utah, and North Dakota.


Whether you own a motorcycle or you will in the future, be sure to protect your investment and yourself by getting a motorcycle insurance policy which checks all the right boxes. Just check with your insurance agent in Colorado and make a choice.

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