Motorcycle Insurance in Indiana

Indiana Motorcycle Insurance Requirements

Indiana requires motorcycle owners to carry the same minimum liability coverage as car owners: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Riders must also hold a motorcycle endorsement or learner's permit, and riders under 18 are required to wear a helmet and eye protection. Riders operating on a learner's permit must wear a helmet regardless of age. State minimums keep you legal, but a serious accident can exceed those limits quickly.

What Motorcycle Insurance Can Cover

• Liability: Injuries to others and damage to their property when you are at fault.
• Collision: Repairs to your bike after an accident, regardless of fault.
• Comprehensive: Theft, vandalism, fire, hail, and collisions with deer.
• Uninsured and Underinsured Motorist: Protection when the other driver has little or no insurance.
• Medical Payments: Medical expenses for you and your passenger after a covered accident.
• Custom Parts and Equipment: Coverage for aftermarket upgrades, saddlebags, and custom paint.
• Roadside Assistance: Towing and help if you break down on the road.

Ways to Lower Your Motorcycle Premium

Many carriers offer discounts for completing an approved rider safety course, maintaining a clean driving record, insuring multiple bikes, or pairing your policy with Indiana auto insurance. Some riders also choose seasonal coverage adjustments during the Indiana winter when the bike is in storage. Our agents review options from carriers such as Progressive and Geico to find the right balance of cost and protection.