How Do I Choose The Right Motorcycle Insurance Coverage For Me?

Motorcycle insurance is a critical piece of the safety puzzle regarding riding. But with the different coverage options available, it can be hard to know which one is right for you. This blog post will break down each type of motorcycle insurance coverage and help you figure out which is best for you. Let’s get started!

Consider Your State’s Minimum Coverage Requirements

The first step in choosing the right motorcycle insurance coverage is considering your state’s minimum coverage requirements. Each state has different laws governing the minimum amount of insurance required to operate a motorcycle, so it’s important to know what your state requires before you start shopping around. In general, most states require some combination of liability, collision, and comprehensive insurance.

Liability insurance is the most basic type of motorcycle insurance, and it covers damage you cause to other people or property while operating your motorcycle. Collision insurance covers damage to your bike caused by an accident with another vehicle or object. Comprehensive insurance covers damage to your motorcycle caused by factors other than collision, such as theft, fire, or weather damage.

Some states also require uninsured/underinsured motorist coverage, which protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages they caused. Get these policies from a reputable insurer such as Hedgepeth-Hutson Insurance Services Inc in Nashville, NC.

Decide How Much Coverage You Need

Once you know your state’s minimum coverage requirements, you can decide how much coverage you need. This will depend on several factors, including the value of your motorcycle, your riding habits, and your personal financial situation.

If you have a newer or more expensive motorcycle, you’ll likely want to get more coverage than the minimum requirements. If you ride frequently or in areas with a lot of traffic, you may also want to consider getting more coverage than the minimum.


Choosing the right motorcycle insurance coverage can be a difficult task, but it’s an important one. If you’re still unsure, talk to us at Hedgepeth-Hutson Insurance Services Inc in Nashville, NC. We’re happy to help you find the right coverage for you. Give us a call today.