Custom Parts & Equipment (CPE)
Covers aftermarket pipes, custom chrome, specialized paint, fairings, saddlebags, and electronic navigation up to $30,000 or more with stated value options.
Motorcycle insurance
Specialized motorcycle coverage built for how and where you ride.
From scenic Georgia mountain routes to Pennsylvania winding backroads, riding requires tailored coverage that standard auto policies cannot provide. We compare premier motorcycle carriers for cruisers, touring bikes, sport bikes, trikes, and custom builds.
Motorcycle quote start
What brings you in for motorcycle coverage?
Choose your riding situation. We’ll carry your details into your quote to save you time.
Rider-first protection
Why standard car insurance won’t protect your motorcycle.
Motorcycles have unique exposures: custom chrome, performance exhausts, expensive riding gear, seasonal lay-ups during winter months, and passenger liability risks. Platinum Guard partners with specialist motorcycle carriers like Progressive, Foremost, and GEICO to ensure your bike is valued correctly.
Motorcycle coverage features
Specialized coverage built specifically for motorcycle riders.
Riding Gear & Helmets
Provides dedicated coverage to replace expensive helmets, armored leather jackets, boots, and riding apparel damaged in a covered incident.
Collision & Comprehensive
Protects your bike against collision with vehicles or road hazards, plus theft, vandalism, storm damage, and animal encounters.
Guest Passenger Liability
Specifically covers medical costs and liability if a passenger riding on your bike is injured in an accident where you are at fault.
Uninsured Motorist (UM/UIM)
Crucial for riders: pays for your medical bills and lost wages if an uninsured or hit-and-run driver causes a motorcycle crash.
Roadside & Trip Interruption
Specialized motorcycle towing with flatbed tie-downs, plus lodging and food allowances if your bike breaks down more than 100 miles from home.
Riding profile inputs
Key facts that shape your motorcycle rate.
- Bike type and engine displacementCruiser, sport bike, touring motorcycle, adventure bike, or trike CC displacement and modifications.
- Seasonal lay-up optionsIn Pennsylvania, lay-up periods reduce physical damage premiums during winter months while maintaining comprehensive theft coverage in storage.
- Rider certificationsDiscounts for completing Motorcycle Safety Foundation (MSF) safety courses, mature rider courses, or clean MVR records.
Related coverage
Motorcycle carrier markets
We shop premier motorcycle underwriting specialists.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed company is not a promise of a quote, price, placement, or coverage.
Motorcycle FAQs
Frequently asked questions by motorcycle riders.
Can I pause my motorcycle coverage during winter in Pennsylvania?
Many specialty motorcycle carriers offer seasonal lay-up policies. During cold winter months, collision coverage is temporarily suspended to save premium while comprehensive coverage remains active to protect your bike against theft, fire, or garage damage.
Are custom chrome and aftermarket exhausts covered?
Yes. Policies typically include $3,000 in custom parts and equipment coverage automatically, with options to increase stated value coverage up to $30,000 or more for custom baggers and choppers.
Does my auto insurance policy provide any coverage for my motorcycle?
No. Standard personal auto insurance contracts strictly exclude two-wheeled motorized vehicles. You must have a standalone motorcycle policy to be street-legal and protected.
Can I bundle my motorcycle with my home or car insurance?
Yes. Pairing your motorcycle policy with your auto, homeowners, or renters policy through carriers like Progressive unlocks valuable multi-policy discounts.
Start your motorcycle quote