learn what factors impact your premiums for motorcycle insurance

Common Questions About Motorcycle Insurance

Nearly every state requires bikers to have some form of motorcycle insurance. In Missouri, the law requires every motorcyclist to carry liability insurance. What does this mean for you? Secure Insurance Group will answer that and other common questions about motorcycle insurance in today’s post. 

What Are the Motorcycle Coverage Requirements in Missouri?

All bikers in Missouri must purchase liability coverage, which will help cover the costs of others’ injuries and damages to the property if you’re found at fault in a motorcycle accident. 

To ride a motorcycle in The Show-Me State, you must have coverage of $25,000 / $50,000 / $25,000. These numbers depict the monetary limits on your liability coverage. The first two numbers depict the highest amount that your insurance carrier will pay if somebody is injured. 

For example, if you injure one driver in an accident that is considered your fault, your carrier will pay up to $25,000 for that individual’s medical bills. If the bills add up to $26,000, you’ll be required to pay an extra $1,000 out of pocket. 

Do You Have to Wear a Helmet?

According to Law Tigers, many states have different laws for whether or not you have to wear a helmet while on your motorcycle. In Missouri, bikers under age 26 or those with an instructional permit must wear a helmet. Bikers over 26 who choose not to wear one will need health insurance. All passengers must wear a helmet. 

Who Has the Best Motorcycle Insurance?

As an independent broker, we have access to reputable companies like Progressive and Safeco. We’ll help you secure the best deals on motorcycle insurance so you can ride with pride. 

Both companies offer competitive rates and motorcycle discounts, including a discount for completing an approved bike safety training course — within the last three years.

Note: Many coverages are available for customized protection. Generally, more coverage comes at a higher price. 

What Factors Affect Your Motorcycle Insurance Rates?

It’s critical for those who ride a motorcycle to get insurance. Your exact price can vary, depending on these factors:

  • Location: In warm weather states with longer riding seasons, you will likely pay more for your insurance.
  • Ticket and accident history: Speeding or other traffic violations and accidents can have a big impact on your rates.
  • Riding experience: Experienced motorcyclists will typically pay a lower premium than new riders.

Other variables include your age, motorcycle make and model, and any after-market additions, like a custom frame. If your bike has a big, powerful engine, it will probably cost more to insure.

Are There Restrictions on Where You Can Ride?

No! When you purchase motorcycle insurance through us, your policy covers you anywhere you go in the U.S. and Canada.

Does Motorcycle Insurance Cover Theft?

If you finance your motorcycle, your lender will usually require comprehensive coverage. In this case, theft and vandalism that could damage your bike will be covered. 

Are ATVs/UTVs Covered?

Yes, both Progressive and Safeco can insure your four-wheeler, whether it’s for work or recreational use. 

About Secure Insurance Group

At Secure Insurance Group, we provide custom-tailored insurance policies to protect our clients’ most valuable assets. Our products will help you SECURE your future and give you peace of mind — from home and auto to boat and motorcycle insurance. For more information about your coverage options, contact us today at 1-877-871-SECURE (7328) or (417) 883-9300. Keep cruising!