Motorcycle Insurance in Indiana

Indiana offers miles of scenic highways, from the Hoosier National Forest to the shores of Lake Michigan. But before you start cruising, it's important to have the right motorcycle insurance in place. GEICO makes it easy to get reliable coverage in Indiana, with competitive rates, flexible options, and a fast, hassle-free claims process. Get a free Indiana motorcycle insurance quote today!

Is Motorcycle Insurance Required in Indiana?

Yes, motorcycle insurance is required to legally operate your bike in Indiana. The state requires all riders to carry proof of financial responsibility, which typically means having an active insurance policy. You’ll also need to provide proof of insurance when registering your motorcycle with the Indiana Bureau of Motor Vehicles.

Riding without motorcycle insurance in Indiana can have serious consequences. If you’re caught, you could face suspension of your license or registration, reinstatement fees, and the requirement to file an SR-22 certificate for a set period of time. Staying insured helps you stay on the road legally and avoid unnecessary setbacks.

Minimum Motorcycle Insurance Coverage Requirements in Indiana

Like many other states, Indiana requires motorcycle drivers to carry a minimum amount of liability coverage.

Coverage Type	What It Covers	Indiana Minimum Limits
Bodily Injury Liability	Injuries you cause to others in an accident	$25,000 per person / $50,000 per accident
Property Damage Liability	Property damage you cause	$25,000 per accident

Optional Motorcycle Insurance Coverages in Indiana

While state-mandated coverages are a good starting point, they won’t protect you or your bike from everything. For greater protection, you may want to consider adding the following motorcycle insurance coverages to your policy.

Collision: Helps pay for damage to your motorcycle if you’re in an accident with another vehicle or object, regardless of who’s at fault.
Comprehensive: Covers damage from events other than a collision, such as theft, fire, vandalism, or weather-related incidents.
Uninsured/Underinsured Motorist: Helps cover your expenses if you’re hit by a driver who has no insurance or not enough to pay for the damages.
Transport Trailer Coverage: Provides protection for the trailer you use to haul your motorcycle.
Stored Gear: Covers personal belongings you keep with your motorcycle, like saddlebags or tools.
Safety Riding Apparel: It pays to repair or replace safety gear, such as your helmet, gloves, boots, or armored jacket, if it’s damaged in a covered accident.
Emergency Road Service with Trip Interruption: Gives you roadside assistance like towing, jump-starts, flat tire assistance, or fuel delivery. If you’re far from home, it can also help cover the cost of food, lodging, or transportation while your bike is being repaired.
Total Loss Replacement: If your new bike is totaled early in its life, this coverage can help replace it with a brand-new one instead of paying only the depreciated value.
Custom Parts or Equipment: Covers aftermarket upgrades like custom paint, exhaust systems, or chrome parts that aren’t included in standard coverage.
Stated Value: Lets you insure your motorcycle for an agreed-upon value, which helps ensure you’re not limited to the depreciated amount in case of a total loss.

How Much Does Motorcycle Insurance Cost in Indiana?

The cost of Indiana motorcycle insurance depends on several factors, including your riding history, the type of motorcycle you own, and how often you ride. Where you live in the state, the coverage options you choose, and your deductible amount also play a role in your premium. Riders with clean records and standard bikes may pay less, while personalized or high-performance motorcycles can lead to higher rates. GEICO makes it easy to get a quote tailored to your unique needs, so you can get affordable motorcycle insurance that fits your ride. GEICO also offers motorcycle insurance payment plans so you can get coverage that works for your budget.

Discounts on Motorcycle Insurance in Indiana

Looking for ways to save on your policy? GEICO offers many motorcycle insurance discounts to help Indiana bikers get the coverage they need without breaking the bank, including:

Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
Multiple motorcycles: Up to 16% discount if you insure more than one motorcycle.
Mature riders: Up to 10% discount for mature riders.
Insurance renewal: Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
Safety course: Up to 10% discount for completing a Motorcycle Safety Foundation or Military Safety Course.
Multi-policy: Up to 10% discount on your motorcycle policy if you also insure your car or RV with GEICO.

Choose GEICO for Motorcycle Insurance in Indiana?

GEICO is trusted by thousands of motorcycle riders across the country, and for good reason. From sport bikes and cruisers to touring motorcycles and more, GEICO offers coverage for a wide range of bike types so you can ride with confidence no matter what you ride. Indiana riders also appreciate our competitive rates and flexible coverage options that make it easy to protect what matters most.

When you choose GEICO, you get more than insurance—you get a team that’s ready to help when you need it. Our fast, reliable claims process gets you back on the road quickly, and our digital tools, including the GEICO Mobile app, make it simple to manage your policy, access ID cards, and get roadside help right from your phone.

Get a Free Motorcycle Insurance Quote in Indiana

Ready to ride confidently in the Hoosier State? Get a fast, free Indiana motorcycle insurance quote from GEICO today, contact us for personalized guidance, or visit our motorcycle insurance FAQs page for more information.