Motorcycle Insurance

Insuring your motorcycle is the smartest way to ride. But what if you could get complete coverage and save money on your other insurance policies, too? You could if you choose Direct for multiple insurance products. Like all the services that Direct provides, our motorcycle insurance policies could help you save money, so you get more coverage for less.*

The Perks of Direct Motorcycle Insurance

Why should you go with Direct to protect your bike? At the very least, having motorcycle insurance will help you meet your state's minimum coverage requirements for motorcycle riders. You also need coverage so that if anything happens to you, your bike, or a passenger while you are on the road, you will be able to deal with the repairs and expenses that could follow. Choosing Direct means you have the advantage of a company that understands your needs. We have experience with motorcycle insurance, car insurance, life insurance, and more, and our aim is to save our customers money while providing exceptional service.

Bodily Injury Liability Auto Coverage

Pays for medical and legal protection should you cause bodily injury to another person while operating your motorcycle.

Motorcycle Guest Passenger Liability

In states where Motorcycle Guest Passenger Liability Coverage is separate from bodily injury liability, this coverage will pay for bodily injury, including medical expenses, or death to a passenger on your covered motorcycle for which you or another insured driver under your policy are legally responsible as a result of motorcycle accident.

Property Damage Motorcycle Auto Coverage

Pays for damage to another's property caused while operating your motorcycle.

Collision Motorcycle Coverage

Pays for loss or damage to your motorcycle as a result of colliding with another object or the vehicle overturning.

Comprehensive Motorcycle Coverage

Pays for loss or damage to your motorcycle from theft, vandalism, flood, fire or other covered disasters.

Medical Payments Motorcycle Coverage

Pays for medical and funeral expenses incurred by you and certain others insured under your policy as a result of bodily injury or death caused by an motorcycle accident.

Personal Injury Protection

In states with No-Fault insurance, this pays, within state specified limits, certain medical expenses of the insured driver, motorcycle passengers and pedestrians.

Uninsured Motorist Motorcycle Coverage

Pays for bodily injury and/or property damage sustained by you and passengers on your covered motorcycle in an accident for which the person legally liable does not have insurance.

Custom Parts and Equipment or Accessories Coverage

If you carry Comprehensive or Collision, this coverage pays for accessories on your motorcycle. Coverage specifics do vary by state, though additional coverage may be purchased. Accessories might include, but are not limited to: saddlebags, backrests, seats, levers, chrome pieces and CB radios. Custom Parts and Equipment Coverage is not available in North Carolina.

Motorcycle Replacement Coverage

If you carry Comprehensive and Collision coverage, you can purchase this coverage which will provide a replacement motorcycle of like kind and quality if your motorcycle is declared a total loss for reasons other than theft or mysterious disappearance. This coverage does not apply to optional or custom parts or equipment.


Covers emergency towing costs (up to the limit selected) when your covered motorcycle cannot be driven.

For more on motorcycle insurance coverage, check out our Frequently Asked Questions .

*Not available in all states

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