Motorcycle Insurance

Insurance for your motorcycle, dirt bike, moped, scooter and more

If you live in Washington, Oregon and California, chances are Carriage Insurance covers what you ride.  Motorcycles come in all shapes and sizes and Carriage Insurance insures a full spectrum of motorcycles from cruisers, street cycles, Harley Davidsons and touring bikes, to dirt bikes, scooters and mopeds. These are just some of the motorcycle types we insure.  We will even insure your golf carts, snowmobiles and other ATV’s. 

Talk to an agent at Carriage Insurance to get the best combination of motorcycle insurance coverage, value and price.  One of the advantages of working with an independent agency, like Carriage Insurance, is that we can help you find which major insurance company will save you the most, but also have the best coverage options customized to your needs. Our coverage options do not end with your motorcycle.  We also have coverage available for your accessories such as safety apparel.  Do you need to be able to replace custom parts?  We can get you coverage for that too. 

You may save money by having more than one policy with us and we can help you calculate your savings.  Be sure to check out our section covering all the discounts on motorcycle insurance you may qualify for!

Not Sure You Need Motorcycle Insurance?

Motorcycle insurance requirements vary by state. Be sure to review the laws for your state.  Carriage Insurance can help you choose the right coverage for you and help you to figure out what limits to carry and a deductible that fits your budget.

Washington State Law (3 hidden sections they can click on – choose their state, WA, OR or CA)

Motorcycle liability insurance is not required in Washington, but it is still a good idea to cover yourself and others in case of an accident. This can be very important if you own a home or have other assets to protect from a lawsuit.


You should consider insurance for your motorcycle to protect your assets and to provide coverage if you get into an accident. Consider purchasing the same minimum amount of liability insurance as for cars:

$25,000  -  Bodily injury/death of 1 person per accident
$50,000  -  Bodily injury/death of 2 people per accident
$10,000  -  Injury or property destruction per accident

These coverages only cover property damage or bodily injury suffered by others in an accident you cause.  You may want to consider purchasing other motorcycle coverages.

(See our section on COVERAGES for more details.)

While not required by law, motorcycle insurance can protect you from being sued for costs associated with a crash.

Oregon State Law 

The state of Oregon requires motorcyclists to have motorcycle insurance to help insure that riders remain financially responsible in a crash.  According to Oregon’s motorcycle laws, you are required to have liability insurance to cover costs associated with property damage or bodily injuries you cause to others in an accident of which you are found at-fault.

Your motorcycle insurance policy must include the following minimum liability coverage limits per accident:

$50,000/crash: bodily injury to another party
$20,000/crash: property damage to another party
$25,000/person and $50,000 per crash
Uninsured Motorist Coverage

You may want higher amounts of coverage to protect your assets.

Oregon is one of several “no-fault” states. This means that drivers must carry Personal Injury Protection (PIP) coverage to help pay for their own injury-related costs after an accident no matter who is found at fault.  This requirement does NOT apply to motorcycles.  PIP is NOT required as a part of your motorcycle insurance policy.

In Oregon, everyone must wear a helmet, no matter the age.

Oregon State allows you several methods to prove you’re insured.  While you are using your motorcycle, you should have one of the following:

  • Actual insurance card provided by your motorcycle insurance agent/company.
  • Actual insurance policy.
  • Official signed letter from your insurance agent, stating that you are insured and what your policy number, license plate and name is.

Oregon – Penalties for Failure to Maintain Financial Responsibility

If you have an accident or are pulled over and you do not have insurance, your license could be suspended and you may have to file an SR-22 certificate proving your financial responsibility with the DMV for the next 3 years.  There could also be additional fines and penalties.

Oregon also performs random insurance checks.  The DMV picks names randomly to check on whether or not you are insured.  You may receive a letter asking for your motorcycle insurance policy number and insurance company name. The DMV will call the insurance company to confirm the coverage.  If you fail to respond to the letter, your license will be suspended. It is important to notify the DMV of any change of address.

California State Law 

The state of California requires that motorcycle riders in CA show proof that they can cover property damage or personal injuries they cause in an accident.

You can buy motorcycle insurance to comply with California and financial responsibility law, but you may also:

  1. Go to the CA DMV and make a cash deposit of $35,000.  For more information, contact the state agency by calling (916) 657-6520.
  2. Go to the CA DMV and obtain a self-insurance certificate.
  3. Get a $35,000 surety bond from a company licensed to do so in the state.
  4. Get a liability insurance policy.

The minimum liability coverage limits required in California State:

$15,000  for injury/death to one person
$30,000  for injury/death to more than one person
$5,000   for damage to property

You may want to purchase more than state minimum requirements to protect your assets.

Once you purchase a policy, keep your proof of insurance with you whenever you are on your motorcycle.

California State requires all operators and their passengers to wear an approved safety helmet at all times, regardless of whether you ride a motorcycle, a motor-driven cycle, a motorized bicycle or a motorized scooter.

Once you have signed up for coverage, your motorcycle insurance provider will electronically report the information on your liability policy to the CA DMV. This will happen automatically, so that if coverage lapses, the state will suspend your registration for failure to maintain financial responsibility.  In some cases the CA DMV may require you to also:

  • Provide a document or ID card from your insurance company that says you have adequate coverage.  The state agency will not return any documents you submit.
  • Provide the DMV with an authorized letter if you made a cash deposit or if you are self-insured.
  • Provide the DMV with a California Proof of Insurance Certificate (SR22) for either broad coverage or an owner’s policy. If the state has already determined that you need to provide it with an SR22, simply submitting proof of an operator’s policy alone will not suffice.

Penalties for Motorcycle Insurance Violations:

Your vehicle registration could be subject to suspension for the following reasons:

-You do not replace your liability insurance policy within 45 days once it has been canceled.

-Your insurance agent does not electronically provide evidence of insurance within 30 days after   the state issued you a registration card on a vehicle that has never been registered in CA.

-You submit false evidence of insurance.

If you get pulled over and cannot provide evidence of financial responsibility, you could receive a traffic ticket and you could be fined and have your vehicle impounded.

Customized Motorcycle Insurance Coverage Options

A basic motorcycle insurance policy protects you and your bike by helping to pay for repairs and expenses related to damage and injury from an accident that may or may not be caused by you. Carriage Insurance can help you choose a customized policy based on your needs.  Here are some of the coverages available in a motorcycle insurance package:

  • Liability Only Insurance – This is 3rd party coverage for injuries and property damage only.
  • Bodily Injury Liability- Will help to pay for bodily injury expenses like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else, other than a guest passenger. 
  • Guest Passenger Liability – This specifically covers bodily injury coverage for a guest passenger riding with you on your motorcycle.
  • Property Damage Liability – This coverage will help pay to fix someone else’s vehicle that you damaged in an accident.
  • Uninsured / Underinsured Motorist Coverage – This coverage helps pay for expenses associated with injury or death from an accident caused by an uninsured, underinsured or hit-and-run driver. It will also cover you as a pedestrian if you are hit.
  • Collision- Helps pay for repairs to your motorcycle for damage caused in an accident.
  • Comprehensive- Helps pay for repairs or to replace your bike if it is stolen, vandalized or damage in some way other than a collision. This would include loss or damage from fire, flood, falling objects, wind and collision with an animal.
  • Medical Payments- Helps pay hospital bills and medical care expenses for YOU or a guest passenger injured in an accident, no matter who is at fault.
  • Towing & Roadside Assistance- Coverage for trip interruption that also covers towing to the nearest qualified repair shop and other basic emergency services.
  • Optional Equipment Coverage- Coverage for optional equipment that you have added to your bike. This is great for custom painting, chroming, side cars and other additions not provided by the manufacturer.
  • Safety Apparel Coverage- Coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
  • Trailer Coverage- Provides coverage for a specifically designed trailer to transport your motorcycle.
  • Replacement Cost Coverage- Coverage for up to 2 years on bikes purchased new and with a maximum MSRP of $35,000. This applies when you buy a new motorcycle from an authorized dealer within 30 days. This may not apply to custom or classic motorcycles.
  • Safeco’s New Harley® Replacement Coverage- 2-Year Replacement Cost Coverage for your new Harley-Davidson® motorcycle. This is included as stock coverage with EVERY Safeco motorcycle policy. You’re covered!
  • Safeco’s Helmet, Jacket, Boots & Gloves Coverage- Safeco provides up to $1,000 per person, per incident, to replace safety apparel lost or damaged in a collision at no extra charge and no deductible. This coverage is also included with liability only policies- something no other insurance company offers.

Want to keep your Motorcycle Insurance costs down?

Carriage Insurance represents many insurance companies who specialize in motorcycle insurance. These companies understand motorcycle enthusiasts and know about bikes and the best way to protect you and your ride, so you can go out and enjoy the ride, while knowing you are covered.

There are many significant discounts available on motorcycle insurance. Be sure to talk to Carriage Insurance about how you can save up to 40% on your motorcycle insurance.

Discounts Available to You:

  • Be a Safe Rider – Successfully complete a motorcycle safety course. The Motorcycle Safety Foundation is one approved motorcycle safety course.
  • Garage Your Bike- Keep your motorcycle locked in a secure structure overnight and you can get a discount.
  • Join a Riding Club or Group- Be an active member in an approved motorcycle riding club/association group and you will get a discount.
  • Experience- The longer you have been riding, the lower your rate could be.
  • Own Your Own Home- You can save up to 20% when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.
  • Multiple Bike Discount- Insure more than one bike.
  • Package Discount- Save money when you also insure your home, auto or boat as well!
  • Is your bike equipped with anti-lock brakes and airbag?
  • Do you have a theft recovery device on your bike? 
  • Are you an AARP member?

More ways to save on Motorcycle Insurance

Maintain good credit. 

Keep a clean driving record. 

Make a claim-free renewal.

Increase your deductible.

Pay your bill in full when you start or renew your policy instead of making monthly payments.

Give Carriage Insurance a call when you need coverage for your bike so we can help find the right coverage for you. – talk to us today {link to Contact Us page}

Motorcycle Flyer for Safeco
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