Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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The Truth in a Nutshell

  • A standard car insurance policy will not automatically cover motorcycles
  • You’ll need to purchase separate coverage or add a motorcycle endorsement to your existing policy to be covered
  • Your motorcycle insurance will not cover you when driving a car

If you’re a frequent motorcycle rider, you’re probably already familiar with the dangers of riding motorcycles. However, you may be wondering, “Will car insurance cover motorcycles?” And if not, how much is motorcycle insurance?

Unfortunately, if you already have a car insurance policy, your motorcycle is not automatically covered under that policy. You’ll have to purchase separate motorcycle coverage or add an endorsement to your current policy. We’ll help you navigate the process.

Keep reading below to learn how to get motorcycle insurance coverage, what it covers, and how to save. First, enter your ZIP code into our free comparison tool above to find affordable motorcycle insurance coverage near you.

How do I get motorcycle insurance coverage?

You’ll need to purchase separate motorcycle insurance coverage or add a motorcycle endorsement to your existing car insurance policy.

However, most of the top 10 car insurance companies also offer motorcycle insurance, so it should be no problem finding a policy with your existing provider or another one. Simply talk to your insurance agent about your options.

In some cases, you can even add a motorcycle insurance endorsement to your existing car insurance policy. What this means is that you’ll be protected under the same coverage amounts that you have for your car insurance if you get in an accident while riding your motorcycle.

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Will car insurance cover motorcycle theft?

Will car insurance cover motorcycle theft? No, not with a standard car insurance policy. If you’ve added a motorcycle endorsement to your existing policy though, you may be covered.

However, liability-only policies won’t cover car or motorcycle theft of any kind. You’ll need at least comprehensive car insurance coverage to protect against car or motorcycle theft.

In any case, motorcycles remain a top target of thieves. According to the Insurance Information Institute, Harley Davidson, Honda, Kawasaki, Suzuki, and Yamaha are the most-stolen motorcycles by make.

Does my motorcycle insurance cover me to drive a car?

Perhaps you’re wondering, “Does my motorcycle insurance cover me to drive a car?”

Just like car insurance won’t cover a motorcycle without certain added coverages, your motorcycle insurance won’t cover you to drive a car. If you have a separate motorcycle insurance policy, that coverage is for your motorcycle only.

However, you can add other vehicles similar to motorcycles under a motorcycle insurance policy. For example, mopeds, scooters, and ATVs can also be covered under motorcycle insurance policies.

Does my motorcycle insurance cover other riders?

Another question you may have is “Does my motorcycle insurance cover other riders?”

The answer depends on the type of coverage you have. Some motorcycle insurance policies may cover damages to your motorcycle regardless of who is driving it. Others may specifically state that they will only cover the policyholder.

If your friend has motorcycle coverage of their own, their insurance provider may cover part of the damages or your friend’s medical bills.

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How can I save on motorcycle insurance?

Now that you know the answer to the question, “Will car insurance cover motorcycles?” you’re probably wondering how you can save on motorcycle insurance.

The best way to save is to compare motorcycle insurance quotes from several companies to find the best deal. Compare motorcycle insurance rates from at least three different providers before making a decision.

Now that you know more about if car insurance covers motorcycles, start shopping today. Enter your ZIP code into our free comparison tool below to buy motorcycle insurance from providers in your area.