What are Pennsylvania motorcycle insurance requirements?

Like most states, Pennsylvania requires motorcyclists to carry liability coverage, covering damages and injuries you cause others. While these mandated minimum requirements can protect you financially, it's a good idea to consider supplemental coverages to increase your protection. Explore all your options for motorcycle insurance in Pennsylvania and see what coverages and discounts are available.

Pennsylvania motorcycle insurance

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

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Philadelphia, Pittsburgh, or Altoona, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Pennsylvania for motorcyclists without eliminating the valuable protection you need for peace of mind while riding.

When you're cruising through the Clarion Countryside, Elk Country, and Groundhog Loop, it's important to ride with peace of mind. As a leader in motorcycle insurance, Progressive helps bikers throughout the Keystone State ride protected with personalized coverage. We also offer a variety of discounts to help riders save on motorcycle insurance in Pennsylvania. Find out everything you need to know about state requirements, coverages, cost information, and more.

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What are the minimum requirements for motorcycle insurance in Pennsylvania?

Pennsylvania motorcycle law requires all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage 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, 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$15,000 per person $30,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$5,000 per accident
Pedestrian first party benefits	What it coversInjuries you cause to a pedestrian in an accident	Minimum amount$5,000 per accident

Pennsylvania also mandates uninsured motorist bodily injury coverage, but you may reject or lower this coverage by submitting a signed form.

Do you need comprehensive and collision coverage?

If you finance or lease your bike, your lender will usually require you to carry comprehensive motorcycle coverage or collision motorcycle coverage. Even if your bike is paid off, comprehensive and collision may be worthwhile to help you protect your ride against physical damage and loss. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, or weather-related issues. Collision can cover damage to your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in PA?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Pennsylvania with liability only coverage was $134.36.^* 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 Pennsylvania?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Philadelphia, Pittsburgh, or Altoona, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Pennsylvania for motorcyclists without eliminating the valuable protection you need for peace of mind while riding.

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

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

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

Additional motorcycle insurance coverages available in Pennsylvania

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

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as 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 Pennsylvania

Pennsylvania motorcycle laws state that you must wear a helmet if you're under 21 years of age.
In Pennsylvania, lane sharing is prohibited and lane filtering is discouraged.
The Pennsylvania Motorcycle Safety Program was established in 1984 and offers free, hands-on training to Pennsylvania residents with a valid PA motorcycle license or permit.