New York motorcycle insurance

Q: What's the best motorcycle insurance in New York?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in New York City, Rochester, Buffalo, or anywhere in between, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in New York for bikers while still providing the valuable protection you need to ride with peace of mind.

City streets and country roads collide in the state of New York, where motorcycle enthusiasts find the rides that fit their tastes. Progressive helps bikers throughout the Empire State find customized protection and easy discounts that help them ride any terrain with peace of mind. Find out all you need to know about motorcycle insurance in New York state.

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What are the minimum requirements for motorcycle insurance in New York?

New York motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won't cover damage to your own bike but may pay for injuries and property damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$10,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversMedical bills for you and your passengers if the at fault motorist has no insurance	Minimum amount$25,000 per person $50,000 per accident
Pedestrian personal injury protection	What it coversInjuries you cause to a pedestrian in an accident	Minimum amount$50,000 per accident

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are often required if you're financing or leasing your motorcycle. If not, these coverages are optional. But we know motorcycle owners are always investing in their bikes so coverage against physical damage can be important. Comprehensive coverage can protect your prized possession, as it may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in New York?

In 2023, the annual cost for a Progressive motorcycle insurance policy in New York with liability-only coverage was only $208.45^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in New York?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in New York City, Rochester, Buffalo, or anywhere in between, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in New York for bikers while still providing the valuable protection you need to ride with peace of mind.

You can decrease the cost of motorcycle insurance in New York with motorcycle insurance discounts, such as:

Multi-policy discount
Anti-theft discount
Paid in full discount
Safety course discount
Transfer discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in New York

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to upgrades you've made to your bike and equipment, including chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in New York

According to the New York DMV, you must have a motorcycle insurance policy with liability coverage before you're able to register a motorcycle in New York.
New York motorcyclists are not protected by New York's no-fault laws.
New York was the first state in the nation to enact a universal helmet law, stating that all riders and operators must wear a helmet while riding.