New York makes you insure your bike year-round, even while it sits in the garage all winter. We write on-road and off-road coverage for every experience level, from daily commuters to weekend cruisers, and we'll shop the rate across our carriers before you pick a policy.
New York requires motorcycle insurance to register and ride legally. Here's what each coverage does, in plain English.
Required by NY law. Pays for bodily injury and property damage you cause to others in an accident. Minimum NY limits are 25/50/10.
New York's no-fault system applies to motorcycles differently than cars, so medical payments coverage is strongly recommended for riders.
Repairs your motorcycle after a collision with another vehicle or an object, regardless of fault.
The non-collision losses: theft, vandalism, fire and weather damage. Motorcycle theft is a significant risk in NY.
Covers you when the driver who hit you has no insurance. That matters on a bike, where an accident tends to mean greater injury.
Some policies include coverage for helmets, leathers, boots and other riding gear damaged in an accident. Ask us which carriers offer it.
The same answers we give on the phone.
Unlike some states, New York requires continuous motorcycle insurance year-round — even if you store your bike for the winter. You cannot cancel mid-season without surrendering your plates.
Yes — newer and younger riders typically pay higher rates. Taking the MSF (Motorcycle Safety Foundation) course can earn discounts with many carriers and is strongly recommended regardless.
Yes — we can write policies for custom builds and heavily modified bikes. Standard policies may not cover aftermarket parts at their full value without a scheduled endorsement.
If you tow your motorcycle on a trailer, the trailer may be covered under your auto policy when attached to your vehicle. Check with us to make sure there are no gaps.
Send the basics through the quote form and a licensed NY agent will shop it across 30+ carriers. Same-day quotes are available for most riders.