Top-Tier Motorcycle Insurance

Get Competitively Rated Motorcycle Insurance

Many motorcycles are out on the road, and the number is growing every day. Having a trusted group of experts for your insurance needs is an absolute must. We offer motorcycle insurance for riders to help protect you and your investment. For example, if you're at fault for an accident, your motorcycle insurance will help pay for the damage to the other vehicle and any injuries that may have occurred.

In most states, it's required that you carry motorcycle insurance, but you may not know where you need to start. It’s important to ensure you have the state mandatory coverage, but beyond that you’ll want to also ensure you have enough coverage to protect your bike, what you use it for, and more.

AHI Group helps you get top-tier motorcycle insurance for less so you can enjoy the open road without worrying. Motorcyclists are at a much higher risk of severe injury than regular drivers, which makes it even more important that they have the right insurance.

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What Does Motorcycle Insurance Cover?

In each state, the mandatory requirements for motorcycle insurance differ. In states where it’s required to have auto insurance, it’s required to have motorcycle insurance. Common coverages in most states include liability protection for property damage and bodily injury, comprehensive and collision, personal injury protection, and so on.

Certain coverages are optional, but highly recommended to fully protect you, the rider, and your bike – or what is otherwise a significant investment. AHI Group’s experts can chat with you about your motorcycle insurance needs to help you find a policy that best reflects your needs.

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Third-Party Liability

Motorcycle third-party liability insurance generally consists of two main components: bodily injury and property damage liability. These coverage limits can vary from state to state. In the event of an accident where you, as the rider, are either fully or partially found at fault, this insurance can assist in covering expenses related to repairs or bodily injuries sustained by a third party. Additionally, it may extend to cover legal costs, encompassing settlements, defense expenses, and more.

Personal Injury Protection

Personal injury protection, abbreviated as PIP, provides coverage for funeral expenses, rehabilitation costs, medical expenses, and in certain cases, lost wages. This coverage is applicable if you or any passengers on your motorcycle are injured in an accident. Importantly, PIP typically applies irrespective of fault or the fault determination rules defined by the state.

Underinsured/Uninsured Protection

While auto insurance is obligatory in numerous states, there are individuals who opt to operate vehicles without proper coverage. If you find yourself in an accident with an uninsured or underinsured motorist, including cases of hit-and-runs, this coverage can assist in covering expenses such as rehabilitation, medical bills, funeral costs, and related expenditures. Additionally, it may provide coverage for legal expenses in the event of lawsuits. It's worth noting that various states have distinct minimum requirements for this type of coverage.

These are a few examples of what your motorcycle insurance policy may include.

What Does Motorcycle Insurance Cost?

Motorcycle insurance rates, like car insurance rates, are influenced and vary depending on the type of bike you ride, how often you ride it, and much more. Here are some common factors that your rates will end up being gauged by:

  • The age and model of the bike you ride
  • The horsepower of the bike
  • The bike’s condition
  • How long you’ve had your license for
  • Your driving record
  • What state you live in and where in that state
  • The type and amount of coverage you need
  • The deductible you choose

One of the largest variables for the cost of motorcycle insurance is your ZIP code, aka where you live. In some states, it’s a standardized rate throughout the entire state, where other states will have lower or higher rates depending on the exact ZIP code due to variations in crime rates, collisions, and more.

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Saving on Motorcycle Insurance with AHI

To ride a motorcycle in most states, you’ll need to be insured. However motorcycle insurance rates can be high due to the high rate of collisions resulting in severe injuries, which means a lot of people will be on the hunt for ways to save money. AHI has some approaches to save money.

Ask about discounts

Depending on your motorcycle insurer and the regulations in your state, you might qualify for various discounts that can effectively reduce your insurance costs. These discounts may include multi-line discounts, exclusive club and member discounts, retiree discounts, student discounts, and more. Feel free to inquire with an agent to explore the diverse discount options available to you.

Work with an agent

While it's possible to buy motorcycle insurance independently, opting to work through an agency offers distinct advantages. An experienced agent can guide you toward optimal coverage options from top insurers, ensuring you secure the most competitive rates. Moreover, they can share valuable tips and strategies to help you maximize savings. Choosing an agent ensures personalized assistance and access to expert advice to make informed decisions about your motorcycle insurance coverage.

Maintain a clean riding record

Ensuring lower costs for your motorcycle insurance primarily involves cultivating safe driving habits. Incidents such as claims, accidents, and traffic violations can adversely affect your driving record, which is a key factor influencing insurance expenses. An accumulation of too many accidents, claims, or tickets may result in being labeled as a high-risk motorist, potentially leading to higher motorcycle insurance premiums.

Quick: Motorcycle Insurance FAQs


Is motorcycle insurance mandatory?

In virtually every state, motorcyclists are required to carry insurance. Unlike auto insurance, there are some states that allow certain alternatives to carrying insurance, such as having a certificate filed that signals the rider’s financial responsibility which mirrors having assets equal to or greater than what is the state’s minimum required coverage.

Why is motorcycle insurance so expensive in the USA?

Because of the medical component. With most states, motorcyclists are required to carry PIP or medical costs coverage. Since motorcyclists are more prone to severe injuries in motorcycle crashes, the medical costs are higher – and therefore motorcycle insurance premiums will need to be hiked to compensate for the high claim payouts.

Does motorcycle insurance cover injuries to passengers?

Yes, PIP can extend to covering injuries to passengers. This coverage is automatically included as part of your liability or medical payments portion of your policy. You may wish to review/go over the specific details of your policy with an agent.

Connect with an AHI Motorcycle Insurance Agent

Are you a motorcyclist seeking insurance coverage in Kansas, Nebraska, or any other state we serve? Whether you're a new rider insuring your first motorcycle or a seasoned motorcyclist with years of riding experience, turn to AHI Group—one of the premier insurance companies specializing in motorcycle insurance and various other coverage options.

At AHI Group, we stand ready to assist you in securing the right motorcycle insurance, tailored to your specific needs. Whether you have questions about coverage options or want to explore the range of insurance solutions we offer, don't hesitate to get in touch. Your safety on the road is paramount, and we are committed to providing the information and support required for your peace of mind. Contact AHI Group today to explore comprehensive and reliable insurance options for your motorcycle adventures.

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