Many people who are looking at getting a motorcycle want to know if they are required to have insurance in order to ride their motorcycle. The answer is yes, in the majority of the United States. There are a few states that say it isn’t necessary, but they all have a minimum when it comes to liability. Some of the states that do not require insurance include Florida, Montana, and Washington State. Those particular states do have a minimum liability though. Even though it is not required in all states, it is strongly suggested that they owner consider getting the insurance.
It may seem costly to get it, but if there were ever an accident, having it can end up saving you a lot of money in the long run. For the states that require it, you will more than likely not be able to even get the plates for the motor cycle if you don’t have proof of insurance on the motorcycle.
The only time it may be required in the states where it is optional would be if you have had an accident in the past. There are also states that may not require insurance, but they may have things like helmet laws, which may say that if you don’t have insurance on the motorcycle, you will have to wear a helmet, no matter how old you are. Another thing to consider is if insurance is required in order to carry passengers on the motorcycle with you. It may not be required for one rider, but two or more can make a difference when it comes to needing insurance.
Just like car insurance, there are a variety of different options on the type of insurance to get for the motorcycle. Just because it is not required in all states doesn’t mean it isn’t a good idea to consider getting it for the motorcycle.
To summarize, you should look to get your motorcycle insured regardless of what state you live in. I know I would rather pay money to the insurance company than have to replace my motorcycle if it were to get stolen or damaged in any way, shape, or for. You might as well be gambling if you ride a motorcycle without insurance, one day it will catch up to you. It is not too late, compare motorcycle insurance quotes around the internet and see what is the best fit for you.