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Not all people who drive a car also ride a motorcycle, but if you’ve been thinking about buying a motorcycle to ride during late spring to early fall, then you will also want to know about the differences in the types of insurance that you will need to carry. Riding a motorcycle carries significantly different risks than driving a vehicle, so insurance coverage is also structured differently.

Risks of Riding a Motorcycle

Since a motorcycle doesn’t have an exterior that protects the rider or a passenger, injuries from motorcycle accidents are much more common when accidents occur. When motorcyclists are injured, more often than not those injuries are severe — if not fatal. These types of injuries usually require extensive time out of work to recover. So although many motorcycles are less expensive, due to the risk of injury, policies are set up differently.

Types of Motorcycle Plans

Since motorcycles do not protect the rider in the same way that a car does, the cost of insuring a motorcycle is also higher. But because the insurance is higher, there are also different kinds of plans that offset the price of insurance

Cars insurance will usually insure a vehicle year-round because most people drive their car during all months of the year. But it is typical for motorcyclists to only ride during the late spring to early fall months, especially in colder climates. Since there is a significant amount of time that the motorcycle might be in storage, and since motorcycle insurance is higher and typically doesn’t cover a passenger, there are a couple of different ways that plans can be adjusted.

According to The Balance, since most motorcyclists who live in colder climates will not be riding their bikes during the winter months, many choose to have the gap in their riding habits reflected in their insurance policy. With laid-up insurance, during a specified period, the motorcycle is not insured for riding. Instead, it is only under comprehensive coverage. This type of coverage protects against loss due to theft, vandalism, or other reasons that a motorcycle might be damaged.

While automobile insurance will insure passengers in the case of an accident, motorcycle insurance usually doesn’t. According to the DMV, if you have passengers on your bike, you’ll also want coverage for them.


Riding a bike will always be a bit more different than driving a car, and to be quite honest, usually a bit more dangerous, so also be sure to be safe as to avoid accidents, and kick some of these bad driving habits on the highway. Insurance plans for motorcycles are set up differently than plans for cars and trucks, become familiar with your options. If you take the extra time to set up your policies according to your needs, you can save money, have the right coverage for your needs, and ensure that you have coverage in case of an accident.