Motorcycle insurance, shopped across 20+ carriers
Motorcycle insurance is a specialized policy that provides liability, collision, and comprehensive coverage for motorcycles, mopeds, and other two- or three-wheeled motorized vehicles.
- 20+ carriers compared
- Licensed in 5 states
- Local Las Vegas agents
- No-obligation quote
Affordable motorcycle insurance in NV, AZ, UT, TX & OH
Anyone who owns or operates a registered motorcycle in NV, TX, OH, UT, or AZ is required by state law to carry at least minimum liability coverage. Financed motorcycles typically require collision and comprehensive coverage as well.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Motorcycle insurance at a glance
- Nevada requires minimum liability for all registered motorcycles. Nevada law requires motorcycle riders to carry at least $25,000 per person / $50,000 per accident in bodily injury liability and $20,000 in property damage liability, the same minimums as passenger cars.
- Full coverage typically costs $33–$125 per month depending on bike and rider profile. ValuePenguin's 2026 analysis puts the national average for full-coverage motorcycle insurance at $33/month ($399/year); riders of sport bikes, younger riders, and those in urban areas like Las Vegas typically pay more, with Nevada quotes running toward the higher end of national ranges.
- Theft is a major risk in Nevada, especially in Las Vegas. Nevada consistently ranks among the top states for motorcycle theft; comprehensive coverage is essential for any bike stored in a high-density urban area like Las Vegas or Henderson.
- Custom parts and accessories require separate scheduled coverage. A standard motorcycle policy covers the bike at its factory value; aftermarket upgrades (custom exhausts, performance parts, custom paint) must be scheduled or added as an endorsement to be fully covered.
Source: ValuePenguin, Average Cost of Motorcycle Insurance (2026): national average full coverage is $33/month ($399/year); rates vary significantly by bike type, rider age, and location. https://www.valuepenguin.com/average-cost-of-motorcycle-insurance
Coverage explained
What motorcycle insurance covers
The details
The parts of a motorcycle policy
| Coverage | What it covers | Typically |
|---|---|---|
| Bodily injury liability | Medical and legal costs for others injured in an accident you cause | Required |
| Property damage liability | Repair costs for property you damage in an at-fault accident | Required |
| Uninsured/underinsured motorist | Your injuries when the at-fault driver carries no or insufficient insurance | Varies by state |
| Collision | Damage to your motorcycle from a collision with another vehicle or object | If financed |
| Comprehensive | Theft, fire, vandalism, and weather damage to your motorcycle | If financed |
| Medical payments (MedPay) | Medical bills for you and a passenger after a covered accident, regardless of fault | Optional |
| Custom parts and equipment | Coverage for aftermarket accessories beyond factory value | Add-on |
| Roadside assistance | Towing and emergency roadside help specific to motorcycles | Add-on |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does motorcycle insurance work?
Motorcycle insurance works similarly to auto insurance but is tailored to the unique risks of riding, including higher injury exposure and specialized equipment. A policy bundles liability coverage for damage or injuries you cause with optional physical damage coverage for your own bike. Because motorcycles are seasonal in many states, some policies allow you to adjust or suspend coverage during months you do not ride.
Pricing
What does motorcycle insurance cost?
Here is what motorcycle riders typically pay. Your rate depends on the type of bike, your riding history, age, ZIP code, and the coverage you choose.
| Coverage type | Average monthly | Average annual |
|---|---|---|
| Full coverage (liability + collision + comprehensive) — national average | ~$33–$125 | ~$399–$1,500 |
| Minimum liability only | ~$20–$40 | ~$240–$480 |
National typical ranges; premiums vary by bike type (sport bikes cost more than cruisers), rider age, driving record, and whether the bike is used year-round or seasonally. Nevada urban-area riders may pay toward the upper end of these ranges.
Source: ValuePenguin, Average Cost of Motorcycle Insurance (2026): national average full coverage $33/month ($399/year). https://www.valuepenguin.com/average-cost-of-motorcycle-insurance
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
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Ways to save on motorcycle insurance
- Complete an MSF safety course. Completing a Motorcycle Safety Foundation (MSF) Basic RiderCourse or similar state-approved safety course earns a 5–15% discount from most carriers and may be required for newer riders.
- Bundle motorcycle with auto or homeowners insurance. Multi-policy discounts of 10–20% apply when you add a motorcycle policy to an existing auto or homeowners policy with the same carrier.
- Store the bike securely and install anti-theft devices. A locked garage or covered storage with a disc lock or GPS tracker reduces comprehensive premium, especially important in Las Vegas where motorcycle theft rates are high.
- Choose a cruiser or touring bike over a sport bike. Sport bikes (especially high-displacement models) carry higher insurance rates due to their theft appeal and accident statistics; switching bike types can meaningfully lower premiums.
- Raise your collision and comprehensive deductible. A higher deductible lowers your annual premium; choose a level you can comfortably cover out of pocket after a covered loss.
- Lay up the bike seasonally if you don't ride year-round. If you store the bike for several months, some carriers allow a lay-up endorsement that suspends collision and liability coverage during storage while keeping comprehensive, reducing the annual cost.
Source: ValuePenguin, Average Cost of Motorcycle Insurance (2026): MSF course completion, bundling, and anti-theft measures are among the most effective ways to reduce motorcycle premiums. https://www.valuepenguin.com/average-cost-of-motorcycle-insurance
Questions
Motorcycle insurance FAQ
Is motorcycle insurance the same as car insurance?
Do I need insurance for a motorcycle I only ride seasonally?
How much does motorcycle insurance cost in Nevada?
Does motorcycle insurance cover a passenger on my bike?
Is my motorcycle covered if I ride it to another state?
Do I need separate coverage for a sidecar or trike conversion?
More coverage