Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 29, 2022

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In a nutshell...

  • Separate car insurance is necessary for motorcycles
  • Bikers might not use their cars as frequently, thus providing potential low mileage discounts
  • The past history of a biker will determine the cost of insurance

Finding car insurance for bikers is an important task. You have to determine what kind of insurance you need.

There might be the need for multiple policies depending on the types of vehicles you drive. If you have both a car and a motorcycle, you will need to have a policy for each.

Compare quotes for the insurance coverage you need by entering your zip code above.

Motorcycle Insurance is Separate

Car insurance and motorcycle insurance are different.

If you ever try to get quotes online for a motorcycle when using a car insurance quote system, it will not allow you to get the quotes because there are often pull-down menus to identify the make and model of the car.

Motorcycle models are not going to be listed. If you only have a motorcycle, you will need to obtain motorcycle insurance.

This type of insurance will be designed specifically to the motorcycle you ride as well as your driving history, the number of miles you put on it a year, and various other factors.

If you drive a car and own a motorcycle, you will need to get car insurance as well as a separate policy for your motorcycle. Car insurance for bikers will be slightly different because you have an additional vehicle that you use throughout the year.

In many instances, having a second vehicle can actually save you some money so you shouldn’t worry too much about having to obtain two separate insurance policies.

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Determine How Much You Use Your Car

If you have a car in addition to a motorcycle, you need to look at car insurance for bikers as a good thing. Insurance companies will ask a variety of questions in order to determine the cost of coverage. One of the questions revolves around how much you drive your car.

If you drive your motorcycle more than you drive your car, you might qualify for a low-mileage discount. Your car might be used primarily for longer trips or for when you are doing any kind of shopping.

Driving your car fewer miles on a regular basis means you are less likely to be involved in an accident; however, accidents are more extensive and costly. Car insurance companies will then reward you with a lower premium.

When you determine how much you use your car, you have to look at such things as:

  • How many days a week you drive the car
  • How much mileage you average on the car in a year
  • If there are certain times that you would drive your car instead of your motorcycle

While driving a motorcycle can help with your car insurance, driving a car can also help with your motorcycle insurance because you are more likely to take your car in the rain as opposed to the motorcycle.

It will thus keep you out of potential situations that would otherwise be risky. You want to show the insurance companies that you are being as safe as you can be on the roads.

What does your driving history look like?


Your driving history is going to play a major role in how the insurance company calculates the cost of coverage. The safer you have been in the past, the easier it will be to get lower quotes from the different car insurance companies.

Being safer means being free of accidents as well as not receiving traffic violations for:

  • Speeding
  • Reckless driving
  • Passing through red lights

When you fill out a form online to get quotes, you must be honest about all questions that are asked of you, regardless of the types of vehicles you drive. Some questions might focus on whether you have received traffic citations or if you have been involved in an accident recently.

If you don’t answer honestly, you won’t get accurate insurance quotes.

Before you can get a policy from an insurance company, you will need to provide them with your driver’s license number. This request for your driver’s license number is designed for them to be able to get a copy of your driving history from the DMV.

If there are discrepancies between the online quote and your actual driving history, the quotes will become invalid. The insurance company will adjust the cost of coverage based on what they see on your driving history.

Car insurance for bikers doesn’t have to be a complicated matter. As long as you know what kind of insurance you are looking for, the process doesn’t take very long. You simply need to take the time to compare quotes from different insurance companies.

Enter your zip code below to compare car insurance rates.