Motorcycle Insurance In Durham And Raleigh, NC
Protection For The Open Road
Although motorcycles have a reputation for being higher risk than other vehicles, but the cost of motorcycle insurance is relatively inexpensive. Still, it's important to make sure that you're not paying too much for too little coverage.
All About Insurance offers affordable motorcycle insurance policies tailored to fit you and your bike. To get started, call us at (919) 321-2886 or fill out an online quote form today.
Common Motorcycle Insurance Questions
It's recommended that bikers carry full coverage motorcycle insurance. Full coverage motorcycle insurance generally includes:
- Comprehensive Coverage: This provides compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.
- Collision Coverage: This provides compensation if the motorcycle is damaged or lost due to collision with another vehicle or object.
- Liability: This covers bodily injury and property damage the insured biker may cause while operating the vehicle.
- Personal Injury Protection: This insurance helps with medical expenses for the driver and their passengers in case of an accident, no matter who is at-fault.
- Guest Passenger Liability: This coverage steps in if a guest driver causes an accident while operating the motorcycle with permission.
- Uninsured/Underinsured Motorist: This insurance steps in if the insured vehicle is involved in an accident with a driver not carrying insurance.
It is possible to purchase motorcycle insurance without a motorcycle license, but it is still illegal in most states to drive without a motorcycle license.
The average cost of motorcycle insurance is about $58.50 a month.
Everyone's motorcycle insurance needs are different depending on where they live and the value of their vehicle. Be sure to check with your state for the minimum motorcycle insurance requirements.
In North Carolina, all bikers must carry at least:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability