Motorcycle Insurance in New York

Whether you’re cruising upstate along scenic highways or navigating the busy streets of New York City, motorcycle insurance is a must for riders across the Empire State. GEICO offers affordable motorcycle insurance built to protect you, your bike, and your peace of mind. With flexible coverage options, 24/7 claim support, and discounts for smart riders, GEICO helps you stay road-ready no matter where the ride takes you.

Is Motorcycle Insurance Required in New York?

Yes, motorcycle insurance is legally required in New York to register and operate your bike. You must provide proof of insurance when registering your motorcycle and carry valid insurance while riding.

If you're caught riding without insurance, penalties can include steep fines, license suspension, registration revocation, and even motorcycle impoundment. For protection and compliance, it's essential to carry the right coverage.

Minimum Motorcycle Insurance Coverage Requirements in New York

To legally ride a motorcycle in New York, you must carry at least the minimum amount of liability insurance required by the state. These coverages are designed to protect both you and others in the event of an accident.

Coverage Type What It Covers New York 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 $10,000 per accident
Uninsured/Underinsured Motorist Injuries if the other driver is uninsured $25,000 per person / $50,000 per accident (if required)
Pedestrian Personal Injury Protection Necessary medical, dental, hospital and rehabilitation expenses. $50,000 per person
Work Loss Loss of income and replacement services Up to $2,000 (80% of lost earnings) per month for 3 years
Other Expenses Other expenses for a period of one year from date of the accident that caused the injury. Up to $25 per day for up to 1 year
Death Benefit Benefit paid to a deceased person’s estate following an accident $2,000 per person (in addition to the $50,000 PIP limit)

Meeting the state’s minimum coverage requirements is just the beginning. If you're involved in a serious accident, basic liability limits may not be enough to cover all damages or medical costs. That’s why many New York riders opt for higher limits or additional coverages to safeguard their finances and their ride.

Optional Motorcycle Insurance Coverages in New York

GEICO offers a variety of optional coverages designed for the way you ride. These add-ons help provide additional protection beyond the minimum state requirements:

  • Collision Coverage: Helps pay to repair or replace your motorcycle after a collision, whether it’s with another vehicle or an object.
  • Comprehensive Coverage: Covers damage from non-collision events like theft, fire, vandalism, or severe weather.
  • Emergency Roadside Service: Optional towing and emergency services when your bike breaks down. Perfect for those long weekend rides or solo trips.
  • Accessory Coverage: Protects custom upgrades, chrome, saddlebags, and other enhancements. But you must carry comprehensive or collision coverage on your policy to qualify. It also includes up to $400 in helmet coverage for specific types of losses.

You can personalize these coverages to match your bike, your ride, and your lifestyle.

How Much Does Motorcycle Insurance Cost in New York?

Motorcycle insurance costs in New York vary widely depending on where you live, what you ride, and your driving history. Urban areas like New York City typically have higher premiums due to traffic congestion and increased theft risk, while rates may be lower in upstate regions.

Several factors that affect your rate include:

  • The make, model, and year of your motorcycle
  • Age, riding experience, and driving record
  • Frequency of use and storage conditions
  • Completion of motorcycle safety courses

GEICO offers affordable motorcycle insurance with flexible payment plans to help riders stay protected without overspending.

Discounts on Motorcycle Insurance in New York

GEICO makes it easier to save on your premium with a range of motorcycle insurance discounts:

  • Motorcycle Policy Transfer: Save by switching to GEICO.
  • Multiple Motorcycles: You could save with GEICO when you insure more than one bike.
  • Mature Rider Discount: Riders with more experience can qualify for a discount.
  • Insurance Renewal: Renew your GEICO motorcycle policy and save up to 10%.
  • Safety Course Discount: Complete a Motorcycle Safety Foundation or Military Safety Course to save on your policy.
  • Accident Prevention Course: You may qualify for a discount if you’ve completed a DMV-approved accident prevention course, which must be renewed every three years.
  • Instructor Discount: If you’re a certified Motorcycle Safety Foundation instructor, you may qualify for a discount.

Why Choose GEICO for Motorcycle Insurance in New York?

GEICO is trusted by thousands of riders across New York and nationwide for good reasons. In a state where riding conditions can range from crowded city streets to quiet Catskills highways, GEICO offers the flexibility and support riders need.

With digital tools via the GEICO Mobile app and flexible coverage for nearly every type of bike, GEICO delivers exceptional service backed by strong financial stability. Whether you ride for convenience, adventure, or everything in between, GEICO helps you ride with confidence.

Why choose GEICO? Because you deserve coverage that keeps up with your ride.

Get a Free Motorcycle Insurance Quote in New York

Now’s the time to get covered. Understanding both required and optional motorcycle insurance coverages in New York is key to riding legally and confidently. GEICO makes it easy to compare options, apply discounts, and personalize your policy for the way you ride. Don’t wait, get your free motorcycle insurance quote today.