Car Insurance Motorcycle insurance requirements by state View Carriers Please enter valid zip Compare top carriers in your area Written by Michelle Megna Michelle Megna Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. | Reviewed by Penny Gusner Penny Gusner Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. | Updated on: September 13, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Motorcycle requirements vary significantly by state, encompassing everything from licensing and training to equipment and insurance. Most states require a specific motorcycle endorsement or license, which typically involves passing a written knowledge test and a skills test, though some states may waive these requirements if a rider completes an approved safety course. In addition, many states have minimum age requirements for obtaining a motorcycle permit or license, and they may impose restrictions on younger or novice riders, such as limiting the time of day they can ride or the engine size of their motorcycle. States also differ in their requirements for motorcycle equipment and insurance. For example, helmet laws vary widely, with some states mandating helmet use for all riders, while others only require it for specific age groups or those with certain levels of experience. Additionally, many states require motorcycles to be equipped with specific safety features, such as functioning turn signals, mirrors, and mufflers. Insurance requirements can also differ, with some states requiring only liability coverage, while others mandate additional coverage types, like personal injury protection or uninsured motorist coverage. It’s important for riders to understand their state’s specific motorcycle requirements to ensure compliance and safety on the road. You can find your state’s motorcycle insurance requirements in the graph below. How to read the liability limits: The first number is the bodily injury liability maximum for one person injured in an accident. The second number is the bodily injury liability maximum for all injuries in one accident. And the third number is the property-damage liability maximum for one accident. State Coverage Limits Motorcycle insurance required? Alabama25/50/25YesAlaska50/100/25YesArizona25/50/15YesArkansas25/50/25YesCalifornia15/30/5YesColorado25/50/15YesConnecticut25/50/25UM/UIM- 25/50YesDelaware25/50/10PIP- 15/30YesDistrict of Columbia25/50/10UM- 25/50/5YesFloridaNoneNoGeorgia25/50/25YesHawaii20/40/10YesIdaho25/50/15YesIllinois25/50/20UM/UIM- 25/50YesIndiana25/50/25YesIowa20/40/15YesKansas25/50/25UM/UIM-25/50YesKentucky25/50/25YesLouisiana15/30/25YesMaine50/100/25Um/UIM-50/100MedPay- $2000YesMaryland30/60/15YesMassachusetts20/40/5UM- 20/40PIP- $8,000YesMichigan20/40/10YesMinnesota30/60/10YesMississippi25/50/25YesMissouri25/50/25UM-25/50YesMontana25/50/20YesNebraska25/50/25YesNevada25/50/20YesNew Hampshire25/50/25YesNew Jersey15/30/5UM/UIM-15/30/5PIP- $15,000YesNew Mexico25/50/10YesNew York25/50/10YesNorth Carolina30/60/25YesNorth Dakota25/50/25UM/UIM- 25/50YesOhio25/50/25YesOklahoma25/50/25YesOregon25/50/20Um-25/50YesPennsylvania15/30/5YesRhode Island25/50/25YesSouth Carolina25/50/25UM-25/50/25YesSouth Dakota25/50/25YesTennessee25/50/15YesTexas30/60/25YesUtah25/65/15YesVermont25/50/10YesVirginia25/50/20UM/UIM-25/50YesWashington25/50/10YesWest Virginia25/50/25UM-25/50/25YesWisconsin25/50/10UM-25/50YesWyoming25/50/20Yes Michelle MegnaContributor  . .Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. 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