How Much Does Motorcycle Insurance Cost In Maryland

 Motorcycle Insurance Cost In Maryland

Anyone, who owns a motorcycle, need a proper insurance. Motorcycle and other two wheeled vehicles are prone to accidents and other harmful incidents. It is, therefore, much safer to to get a proper insurance policy to protect you and your bike when on the roads. In fact, motorcycle insurance is required by law in many States of US. Let us see what are the insurance facilities for your motorcycles in Maryland.

Motorcycle Insurance in Maryland

Motorcycle insurance Maryland laws require all motorcycle drivers to carry a minimum liability coverages, as explained below.

● $30,000 for bodily injury per person
● $60,000 for bodily injury per accident
● $15,000 for property damage liability.

Besides the above, all motorcycle insurance policies must include uninsured motorist coverage. The minimum limits are the same as required by the above mentioned coverages.

Medical Payment Coverage: This applies only to the pedestrians who are hit and injured by motorcyclists. This pays the cost of medical treatments up to $5000 for the pedestrians when they are injured by your motorcycle and this will not cover the medical expenses of the rider or passenger.

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Personal Injury Protection Coverage

Personal injury protection or PIP provides compensation for the losses due to injury, including payment of medical bills and up to 85% of loss of wages. PIP coverage is not on fault based and this implies that you can file a claim and collect the benefits irrespective of the fact who were at the fault for the accident that caused injuries to you. Unlike other mandated liability coverages, the State law does not require you to have any amount of PIP coverage and there is a minimum of $2500 for PIP coverage. This comes with motor insurance policies and this can be waived by the motorcycle owners, if they desire to do so.

Rider motorcycle insurance offers a higher range of liability options that are higher than the minimum coverage limits, as these minimum liability will not help you when more people are injured or when you car is damaged heavily in some big accidents. This company offer 50/100/25 or 100/300/50 or 250/500/100 towards bodily injury per person, bodily injury per accident and property damage. It is always better to have a higher liability coverages than the minimum to meet any emergency situations.

Apart from the above compulsory coverage limits, there are other optional coverages namely collision and comprehensive coverages. Collision pays for the covered losses caused by an impact with another vehicle. Comprehensive will pay for the damages to your motorcycle caused by animal contact, explosion, earthquake, hail, storm, water, flood, lightning, vandalism and the like.

Besides, there are roadside assistance coverage, accessory coverage and much more for the benefit of motorcycle riders in Maryland. Optional insurance coverages may be required by the drivers according to their necessities and demands. For the motorcycle purchased through financial lending, some of the optional coverages are required by the money lenders.

Motorcycle Insurance Cost In Maryland
Motorcycle Insurance Cost In Maryland

Insurance Providers in Maryland

There are many reputed motorcycle insurance providers in Maryland and they offer motorcycle insurance quote for every type of coverage and you have to select the best motorcycle insurance options that is suitable to your needs.

As far as cheap motorcycle insurance is concerned, a study has revealed that the insurance providers namely Geico, Nationwide, Progressive and Dairyland offer cheap annual average premium rates $242, $484, $680 and $711 respectively whereas the State annual average remains as $529 approximately. These are all only rough estimates and the real rates will depend on the coverages you need and the area in which you live. Other factors such as your age, gender, parking area and more influence the premium rates.

Custom motorcycle Insurance in Maryland

Some motorcycle riders will not be satisfied with the models of motorcycles that are originally manufactured by the companies. They will add some custom parts and alter the design of their motorcycles according to their tastes and personalities. These bikes are called custom motorcycle and they need custom motorcycle insurance in Maryland. Custom motorcycle insurance premiums are costlier than that are charged for ordinary motorcycles, as these custom parts costlier and it will involve huge expenses, if they are to be replaced or repaired after accidents.

If you select custom motorcycle insurance coverage, then you will receive up to $3000 in coverage without any additional cost and the coverage is available up to $10,000 for your custom parts and equipment.


Almost all insurance providers offer discounts under various options and some of them are given below.

● Safe driver discount
● Discount for completion of motorcycle driving course
● Riding group member discount
● Discount for keeping your motorcycles kept in garages
● Multi policy discount

Besides there are some more discount options and it is up to you to find out the discounts to which you are eligible. Availing such discounts will enable you to get reduced motorcycle insurance premiums and you can save a considerable amount of money by way of such discounts.

Shopping for Insurance:

Shopping for the motorcycle insurance is the best way to get your desired cheap motorcycle insurance and at the same time you should not compromise for the quality of service as against the premium rates. While searching for cheap motorcycle insurance through online sources, you will be able to arrive at the best motorcycle insurance which is beneficial in both the aspects namely coverages and price.

Cost of Motorcycle Insurance

The cost of motorcycle insurance varies widely and depends on many factors. In general, motorcycle insurance is costly for younger drivers and for those, who drive sports bikes. The insurance providers determine the costs of motorcycle premiums based on many factors such as vehicle type, year of manufacturing, model, engine size, mileage used, modification and customization, your age, coverage options and much more. The premium will not be stable and varies according to the above mentioned factors.

Conclusion: As you are aware that the motorcycles are easily prone to accidents and the insurance is compulsory, do not try to avoid buying motorcycle insurance. This insurance is essentially required to protect your interests and to save you from possible financial distress.'

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Does Geico Have Motorcycle Insurance In Massachusetts

Motorcycle Insurance In Massachusetts

Motorcycle accidents will also bring heavy bills and worries to the riders. Not only that there are chances of other people getting injured because of these motorcycle accidents and the responsibility of treating them for injuries will fall on your head. If you have a motorcycle insurance, then your insurer will take care of most of the expenses that arise due to accidents followed by injuries or property damages.

Motorcycle Insurance in Massachusetts

Before you look for a motorcycle insurance quote, you must know motorcycle insurance Massachusetts minimum requirements as mandated by law. They are as given below.

  • $20,000 for bodily injury per person
  • $40,000 for bodily injury per accident
  • $5000 towards property damage liability
  • $20,000 towards uninsured motorist coverage per person
  • $40,000 towards uninsured motorist coverage per accident.

While liability insurance and uninsured motorist coverages are mandatory, it is suggested that you should get a higher coverage limits namely 50/100/25 for liability coverage and 50/100 for uninsured motorist coverage. This is because,  if you are responsible for an accident, which was serious and had injured many people, then the minimum liability coverage will lead you to spend huge money from your own pocket,  as the expenses will surely cross the minimum coverage limits.

While uninsured motorist coverage is mandatory for motorcycle riders of Massachusetts, underinsured motorist coverage is only optional. Underinsured motorist coverage will come into play when you make accident with a driver, who has insufficient insurance. However, you will be benefited by an amount of $20,000 from your own insurance or $20,000 from other party’s insurance,  if you are injured in an accident with both the parties under State minimum insurance liability.

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Motorcycle Insurance In Massachusetts
Motorcycle Insurance In Massachusetts

How to Shop for Insurance?

The State law does not require you to buy Personal Injury Protection (PIP) coverage. Before searching for the best motorcycle insurance provider, you have to go to different companies in person or browse through online to confirm about the insurance premium rates. You have to keep on hand the details of your motorcycle such as its make, model and year to be furnished to the insurance provider. You can also consider extra coverage options besides mandatory coverages that include repair shop networks, roadside assistance and accident coverage.

It is also essential to compare various policies and premium rates. Further, you have to ensure about the financial stability of the prospective company, you choose. The company, you select, must provide good and satisfactory customer service and maintain quick disposal of claims. All these information can be gathered from the websites of insurance agencies and from your friends and relatives, who have already purchased motorcycle insurance from many providers.

There are many reliable online marketplaces from where you will be able to compare the quotes as well as plans of coverages offered by many leading companies. This process will enable you to find the best company with cheap motorcycle insurance rate. Of course, in search of cheap motorcycle insurance rates, you should not choose a bad company or a company without proper license to sell insurance. This is very much important.

Some Basic Information Motorcycle Insurance

Massachusetts required motorcycle riders to purchase certain motor insurance coverages and limits. As long as you are a safe rider, your minimum liability insurance coverage will protect you and your assets,  in case you get into accidents up to the specified limits. For some riders, these minimum limits may not be sufficient,  if they get into some serious accidents and it is better for them to opt for higher insurance coverages. Some riders even buy collision and comprehensive coverages for their motorcycles.

These optional coverages will cover all the things that are covered for car insurance and help protect you against theft, weather damages and the like. If you have purchased your motorcycle by availing finance from a money lender or from a bank, they will require you to buy both collision and comprehensive insurance coverages.

The wisdom of purchasing collision and comprehensive coverages depend on your personal situation and demand. It also depends on the factor where you live and where you park your motorcycle. For instance, if your motorcycle is valued at $3000 and you park it in a garage under lock and key, then buying a comprehensive insurance for this bike will make no sense.

At the same time, if your bike is worth about $9000 and you park it on the roadside or in the open space of your apartment, the comprehensive insurance is absolutely essential as the chances of the bike being stolen is very high. Therefore, your situation will only decide whether to buy these optional coverages or not.

Rider Motorcycle Insurance

Rider motorcycle insurance is a New Jersey based insurance company specialised in providing motorcycle insurance alone. This is the only company of its kind. Even though the company offers insurance for mopeds, scooters and ATVs, it does not offer insurance to standard automobiles. Their motive is “we do one thing and we do it better” and it is motorcycle insurance. This company is experienced in the insurance field for more than 45 years and is equipped with many experienced and dedicated staff.

This company offers low rated insurance premiums and offer various discounts and insurance packages, exclusively for motorbikes. The rider motorcycle insurance company focuses on hassle free customer service and the customer satisfaction is the main motive.

Custom Motorcycle Insurance

Basically a custom motorbike is the one that has a stylistic or structural change that goes beyond the standard in which it was originally manufactured by the manufacturer. Custom bikes are preferred for various reasons and one among them is its unique look after required modifications.

As regards to custom motorcycle insurance, you may find it difficult to insure your motorbike as you have a bike that falls outside of a standard motorcycle coverage. Of course, almost all insurance companies offer custom motorcycle insurance and they may charge higher premium rates than that exist for standard motorcycles. This is because the custom parts are costly and it will be expensive to replace those parts,  if damaged.

Conclusion: Whether it is required by law or not, it is essential to buy motorcycle insurance for your bikes to save you from unwanted financial losses when you confront with accidents.

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Cheapest Motorcycle Insurance Texas Forum

Cheapest Motorcycle Insurance Texas Forum

Introduction: Just like car insurance, you have to carry motorcycle liability insurance if at all you are ever involved in an accident where you are at fault. Motorcycle insurance protects you from financial loss that arises due to accidents injuring others or damaging the properties of third parties. We are here to discuss about motorcycle insurance facilities available in Texas.

Minimum Liability Insurance Requirements

The State law of Texas has prescribed motorcycle insurance Texas minimum liability insurance coverage limits as follows.

● $30,000 for bodily injury per person in an accident
● $60,000 for bodily injury for a total accident irrespective of the number of persons injured
● $25,000 towards property damage in an accident.

The above motor insurance limits are only the minimum and there is no maximum limit. It is a better idea to get more coverage with different types of insurance as the minimum limits coverage will not be sufficient, if you are involved in some big accidents.

Apart from the above compulsory liability insurance coverages, there are many more optional motor insurance coverages in addition to uninsured and underinsured motorist coverages.

When you get into an accident with a driver who is either uninsured or underinsured, then you will be in trouble. If you are in possession of these two types of insurance, you will be safe in meeting the expenses that arise due to accidents in which people are injured or your vehicle is damaged or any public or private property getting damaged.

The other optional coverages are as given below.


This insurance type will pay for the damage to your motorcycle in an accident minus your deductible amount. A deductible is the amount selected by you at the time of buying your motorcycle insurance policy that is deducted from a claim check.


This will cover the expenses for the damages to your motorcycle other than collision with another vehicle. Damages due to fire, theft, vandalism and other types of natural disasters as well as animal collisions are covered under this insurance.

Medical Payments

This will pay for the medical expenses when you or others are injured in accidents. Unlike personal injury protection, this type of coverage will not cover the lost wages and other costs. This coverage can come in handy when you have no health insurance or enough health insurance.

Almost all reputed and major insurance companies offer motorcycle insurance and you can also get motorcycle insurance quote of those companies through their websites or by approaching them in person. There are many insurance agencies, who represent and work for many leading companies. They will also provide you best motorcycle insurance quotes of several companies. You can compare them with the help of these agents and you will be guided to reach the right coverage, you need.

Winter Lay-up

Most of the motorcycle riders will not ride their motorcycles during winter months as it will be dangerous to ride on roads. Many insurance providers offer lay-up insurance during winter. But, during this lay-up period, your insurance will cover thefts and other events that may happen when you store your motorcycle in garage. This lay-up coverage will save your annual insurance costs. But, if you ride your motorcycle on the roads of Texas during lay-up period and meet with an accident, your insurance will not provide cover to you or to your motorcycle.

Motorcycle Insurance Texas
Motorcycle Insurance Texas

Cheap Motorcycle Insurance

As far as cheap motorcycle insurance is concerned, the compulsory minimum liability insurance coverage is the only cheap option. As this minimum liability coverage will not be helpful in big accidents, people will go for more coverage limits than the minimum. In such cases it is natural for them to search for cheap motorcycle insurance.

A study has stated that the insurance companies namely Nationwide, Progressive, Geico, Dairyland and Esurance offer cheap motorcycle insurance and the annual average premium rates offered by them are $467, $650, $744, $898 and $984 respectively. The Texas annual average is quoted as $749. These are all only rough estimates and they can vary according to the coverages required by the individuals and many other factors. Suppose a motorcycle rider has been caught in many traffic offences and got tickets on every occasion, then he or she will be charged higher rate of premium on the basis of being a risky driver.

There are more ways of getting cheap motorcycle insurance and one among them is to become eligible for the discounts in premiums offered by the insurance providers.

Many insurance companies offer various types of discounts and these discounts vary from one company to the other and some of the discounts are as follows.

● Buy your other insurance types such as home insurance, health insurance and the like along with motorcycle insurance from the same provider.
● Maintain a clean and accident free driving record
● Insure more than one motorcycle with the same insurer
● Complete a safety motorcycle rider training course
● Some companies offer discounts if you are more than 55 years of age.

You should analyse the discounts and find to which of them you are eligible and avail them without fail. This will help reduce your motorcycle insurance premium to a good level.

Rider Motorcycle Insurance

Rider motorcycle insurance is an experienced company in providing motorcycle insurance to its customers in Texas. This company is specialised in providing low cost motorcycle insurance and ATV/off road vehicle insurance. The customers are assured of hassle free customer service and they insure all kinds of motorcycles. They also offer insurance packages and discounts.

Custom Motorcycle Insurance

The motorcycles that are modified from the original design are called custom motorbikes. Many companies offer custom motorcycle insurance and they are the same as the standard and optional coverages that are offered for factory produced motorcycles. But, collision and comprehensive coverages make the difference between custom motorcycle insurance and ordinary factory manufactured motorbikes.

Custom motorcycles are considered to be more valuable than any other ordinary bike because of the costly parts and accessories fitted in custom bikes. Naturally, the repairing costs for such custom motorcycles can be much costlier and hence the high insurance premium rates.

Conclusion - It is essential to insure your motorcycle for your safety and it is also required by law. Insure your bike and enjoy your ride on the roads of Texas.

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