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Ohio Motorcycle Insurance Coverage

Motorcycle Insurance

Motorcycle Insurance

Ohio’s abundance of rural roads and forest-lined highways make it a magnet for motorcyclists. Paths such as the Hocking Hills Scenic Byway and the Tail of the Dragon that is found along State Route 78 offer bikers relaxing views of old farms, rolling hills, and miles of smooth, open road. At Dover Insurance Agency of Ohio, we want you to fully enjoy biking throughout the state whether you’re riding solo, as a couple or in a group. You’ll ride with confidence with the proper insurance coverage.

Basic Motorcycle Insurance Policy in Ohio

At a minimum, you’re required to carry a form of liability insurance to ride motorcycles in Ohio. When you’re found at fault for an accident, this insurance product covers your financial obligations to others for injuries or property damage. Here are the amounts of coverage that you need to comply with the state’s laws.

  • $25,000 for bodily injury (one person)
  • $50,000 for bodily injury (two or more persons
  • $25,000 for property damage

There is also an option to prove that you have at least $30,000 in cash or government bonds to cover your liabilities in case you have an accident. Most people choose to get a straightforward insurance policy with a company like Dover Insurance Agency.

Extended Motorcycle Insurance Coverage

For peace of mind, many of our clients choose collision coverage policies in addition to their required liability policies. This insurance product covers repair and replacement costs for your bike if you cause an accident.

You can also get an uninsured motorist policy. This will help you to pay for your bike repairs and doctor bills in case you’re in an accident that's the fault of someone who doesn’t have enough liability insurance.

Add-on motorcycle insurance options can include roadside service and trip interruption coverage. Road service plans pay for tows, flat tire repairs and even lost key replacements. If you get into an accident that cuts your planned vacation short, a trip interruption policy could pay you specified amounts per day for your hotel, food, and transportation until your bike is fixed.


Motorcycles require a separate policy from your normal auto insurance plan, so it’s best to contact the experts at Dover Insurance Agency of Ohio to get the policy that’s right for you.

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