Motorcycle Insurance in Missouri

Riding a motorcycle through Missouri’s winding Ozark roads, rural highways, and busy urban centers offers freedom and excitement—but also comes with unique risks.

From unpredictable weather to varied traffic conditions in different parts of the state, Missouri riders face challenges that make proper motorcycle insurance essential. Motorcycle insurance in Missouri isn’t just about legal compliance; it’s about protecting yourself, your bike, and your financial well-being in the face of unexpected accidents or damages.

That’s why GEICO offers such robust coverage at a reasonable price—to ensure all different types of riders can secure the coverage they need at a price they can afford.

Is Motorcycle Insurance Required in Missouri?

Motorcycle insurance is required by law in Missouri, meaning all riders must carry active coverage to legally operate their bikes on public roads. Proof of insurance is also needed to register a motorcycle with the state. If you're caught riding without insurance, you could face penalties such as fines, license suspension, reinstatement fees, and points on your driving record—consequences that become more severe with repeat offenses.

Minimum Motorcycle Insurance Coverage Requirements in Missouri

Coverage Type	What It Covers	Missouri Minimum Limits
Bodily Injury Liability	Injuries to others in an accident	$25,000 per person / $50,000 per accident
Property Damage Liability	Property damage you cause	$25,000 per accident
Uninsured/Underinsured Motorist	Injuries if the other driver is uninsured	$25,000 per person / $50,000 per accident

Optional Motorcycle Insurance Coverages in Missouri

While Missouri’s state-mandated motorcycle insurance requirements offer a solid foundation of protection, many riders opt to enhance their policies with optional coverages as well. These add-ons can provide extra peace of mind depending on factors like how frequently you ride, where you store your bike, and your personal budget—making it important to evaluate your riding habits and budget to decide whether additional protection is right for you.

Some optional add-ons available for GEICO policyholders include:

Collision coverage: Helps pay for repairs to your motorcycle after an accident, regardless of fault.
Comprehensive coverage: Covers damage from theft, vandalism, weather, or other non-collision events.
Emergency Roadside Service: Provides help if you’re stranded due to a flat tire, dead battery, or breakdown.
Emergency Roadside Service with trip interruption: Helps cover road travel costs if your motorcycle is rendered inoperable during a trip at least 100 miles away from your residence.
Custom parts and equipment coverage: Protects upgrades like custom seats, paint, and chrome parts. You must have comprehensive or collision coverage to qualify for this.
Transport trailer coverage: Provides comprehensive or collision coverage for trailers used to tow your motorcycle.
Stored gear: Up to $3,000 of coverage for gear stored on your motorcycle.
Safety riding apparel: Helps replace safety apparel damaged during a collision up to $3,000.
Total loss replacement: Provides the MSRP value of a new motorcycle of the same make and model in the event of a total loss of your covered motorcycle.

Discounts stack are subject to minimum premium amounts that vary by product and by state.

How Much Does Motorcycle Insurance Cost in Missouri?

In Missouri, the average cost of motorcycle insurance is higher than the national average due to a combination of factors—including the state's mix of urban traffic congestion, varying weather conditions, and a relatively high rate of uninsured drivers. However, while these averages provide a general idea, your individual premium is primarily influenced by personal factors, which can have a much greater impact on your actual cost.

Insurers typically weigh a wide range of considerations when determining your specific rate, including:

Age and riding experience: Younger or less experienced riders generally face higher premiums.
Type and value of motorcycle: High-performance or newer bikes cost more to insure due to higher repair/replacement costs.
Driving and claims history: Speeding tickets, accidents, or past claims increase your risk profile and raise premiums.
Coverage levels and deductibles chosen: Opting for comprehensive coverage or lower deductibles boosts your monthly cost.
Safety features: Wearing certified safety gear and completing approved safety courses can reduce rates.

Even if these elements aren’t currently working in your favor, there are still a number of ways to secure more affordable motorcycle insurance—one of the easiest and most effective of which is taking advantage of available discounts.

Discounts on Motorcycle Insurance in Missouri

At GEICO, we understand that the best motorcycle insurance policies are the ones with well-rounded protection and affordability. That’s why we offer a wide range of discounts that can help reduce your rate without sacrificing coverage, such as:

Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO Motorcycle.
Multiple motorcycles: Up to 10% 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.
Instructors: Up to 20% discount if you are a current Motorcycle Safety Foundation instructor.
Multi-policy: Up to 10% discount on your motorcycle policy if you also insure your car or RV with GEICO.

Why Choose GEICO for Motorcycle Insurance in Missouri?

Even beyond its extensive array of savings opportunities, GEICO is the preferred motorcycle insurer for riders across Missouri for many other reasons.

First, our combination of digital tools, responsive customer service, and a fast, hassle-free claims process help ensure you can access support whenever you need it and get back on the road ASAP following an incident. GEICO also offers a wide range of motorcycle coverage options and flexible payment plans that fit various budgets and riding habits—so that any rider can find a plan that fits their unique needs. With an extensive collection of resources coupled with personalized support from local agents as well, it’s no wonder why GEICO is the go-to insurance provider for both new and experienced motorcyclists across Missouri.

Get a Free Motorcycle Insurance Quote in Missouri

Understanding both mandatory and optional motorcycle insurance coverages in Missouri is essential for ensuring you’re properly protected on the road. It’s important that riders take the time to evaluate their personal needs, such as how often they ride and what type of bike they own, to determine if additional coverage is worth the investment. Exploring specialized options and asking about available discounts can also help you find the most effective and affordable insurance solution.

Ready to get started on securing your Missouri motorcycle insurance? Get your free, personalized quote from GEICO today—it only takes a few minutes and could save you a lot of trouble down the road.