Motorcycle Insurance
Whether you're cruising the back roads of Pennsylvania or commuting through busy city streets, the right motorcycle insurance keeps you protected. At The Mackrides Insurance Group, we help riders across West Chester, Chester County, and the entire state find coverage that fits their bike, riding style, and budget.
Do I Need Motorcycle Insurance?
Pennsylvania law requires motorcycle owners to carry liability insurance, but a full policy offers far more protection for you, your bike, and your passengers.
Covers Accidents & Injuries
Motorcycle insurance helps pay for medical bills and property damage if you're involved in an accident.
- Covers injuries to you and your passenger
- Pays for damage to other vehicles or property
- Provides liability protection if you're at fault
Protects Your Bike
Your bike is an investment-coverage helps keep it in great condition after accidents or theft.
- Repairs or replaces damaged parts
- Protects custom equipment or modifications
- Covers theft, vandalism, or fire
Meets State Requirements
Every Pennsylvania rider must have at least liability coverage to operate legally.
- Avoids costly fines and penalties
- Keeps your registration in good standing
- Provides the minimum required protection
Provides Peace of Mind
Whether it's a quick ride to the store or a trip through the Pocono Mountains, the right coverage lets you enjoy the road.
- Confidence on highways and scenic routes
- Affordable protection tailored to riders
- Options for roadside assistance and towing
A standard motorcycle policy includes several important coverages:
What Does Motorcycle Insurance Cover?
Liability Coverage
Pays for injuries or property damage you cause in an accident.
Collision Coverage
Repairs or replaces your motorcycle after an accident, regardless of fault.
Comprehensive Coverage
Protects against theft, vandalism, fire, hail, and other non-collision risks.
Uninsured/
Underinsured Motorist Coverage
Protects you if another driver has no or insufficient insurance.
Medical Payments Coverage
Helps cover medical expenses after an accident.
Understanding Motorcycle Insurance Options
Your riding habits and bike type determine the best policy. We'll guide you through:
- Full Coverage Plans - Combine liability, collision, and comprehensive coverage.
- Custom Equipment Coverage - Protects aftermarket parts and upgrades.
- Seasonal Policies - Options for riders who store their bike during the winter.
- Multi-Policy Discounts -
Save when bundling motorcycle insurance with home or auto.
Frequently Asked Questions
Is motorcycle insurance required in Pennsylvania?
Yes. You must carry liability coverage to operate a motorcycle legally in Pennsylvania.
Does my policy cover passengers?
Most policies include passenger liability, but we'll make sure you have the right level of protection.
Can I insure custom parts or gear?
Yes. We offer coverage for helmets, jackets, saddlebags, and aftermarket bike modifications.
Do I need full coverage for an older motorcycle?
Not always, but we'll help you decide if collision and comprehensive are still worth it.
What discounts are available for motorcycle insurance?
Safe rider courses, bundling policies, and maintaining a clean driving record can help you save.
