What are Ohio’s motorcycle insurance requirements?

Motorcycle insurance is required in the state of Ohio. While you can purchase a bike without it, you’ll need to have proof of insurance before you hit the open road. The state of Ohio requires you to carry liability coverage limits of at least:

Ohio motorcycle insurance

Q: What's the best motorcycle insurance in Ohio?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Cleveland, Columbus, Cincinnati, or anywhere in between, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Ohio for bikers while still delivering the valuable protection you need to ride with peace of mind.

From the banks of Lake Erie to the Ohio River, the state of Ohio offers motorcycle enthusiasts an immersive experience. Progressive is proud to support the motorcycle community in the Buckeye State with affordable policies and coverages that make sense for you and your motorcycle. Here you'll find everything you need to know about motorcycle insurance in Ohio.

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What are the minimum requirements for motorcycle insurance in Ohio?

Ohio motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. It's important to note that liability coverage won't cover damage to your own bike but may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, 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$25,000 per accident

Do you need comprehensive and collision coverage?

If you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage may be required by your lender. If your bike is paid in full, these coverages are optional. But we know many motorcycle owners are continually upgrading their bike and may want to protect those investments from physical damage and loss. Comprehensive 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 Ohio?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Ohio with liability coverage only was $159.45.^* 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 Ohio?

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

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

Multi-policy discount
Association discount
Motorcycle license endorsement
Safety course discount
Responsible driver discount

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

Additional motorcycle insurance coverages available in Ohio

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)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
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 Ohio

According to Ohio law, you must wear a helmet while riding for the first year of endorsement or if you're under 18 years old.
If you're 18 years or older, you can obtain a motorcycle endorsement or motorcycle license in Ohio by passing a multiple-choice knowledge test and a motorcycle skills test.
Ohio is home to the American Motorcyclist Association Hall of Fame and Museum.