Motorcycle Insurance in Ohio

From the winding roads of Hocking Hills to the scenic routes along Lake Erie, Ohio offers some of the best riding in the Midwest. No matter where your bike takes you, GEICO is here to help you stay protected. Our Ohio motorcycle insurance combines affordable rates, personalized coverage, and trusted customer service, so you can ride with confidence.

Is Motorcycle Insurance Required in Ohio?

Yes, motorcycle insurance is required to legally ride on Ohio roads. The state mandates that all motorcyclists carry liability insurance to help cover injuries or property damage if you're at fault in an accident. You’ll need to provide proof of insurance if you're pulled over or involved in a crash, but you don’t need it to register your motorcycle with the Ohio BMV.

Riding without motorcycle insurance in Ohio can have serious consequences, like license suspension, reinstatement fees, impoundment of your motorcycle, and even higher insurance costs down the road. The best way to avoid penalties is to make sure your policy is active and up to date.

Minimum Motorcycle Insurance Coverage Requirements in Ohio

Like many other states, Ohio requires motorcycle drivers to carry a minimum amount of insurance. This helps financially protect anyone involved in an accident.

Coverage Type What It Covers Ohio 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 Ohio

In addition to liability coverage, you may want to consider a few optional Ohio motorcycle insurance coverages for more complete protection. GEICO offers the following coverages:

  • Transport Trailer: Covers physical damage to a trailer you use to haul your motorcycle.
  • Stored Gear: Protects gear stored on your motorcycle from covered losses.
  • Safety Riding Apparel: Helps cover the cost of replacing damaged safety gear, such as helmets, after a covered accident.
  • Emergency Roadside Service with Trip Interruption: Offers towing, roadside help, and reimbursement for meals and lodging if your trip is interrupted by a covered event.
  • Total Loss Replacement: Pays to replace your new bike with a brand-new one of the same make and model if it’s totaled.
  • Custom Parts or Equipment: Offers coverage for aftermarket upgrades and custom parts.
  • Stated Value: Lets you insure your motorcycle based on an agreed-upon value, which can be helpful for classic or highly personalized bikes.

How Much Does Motorcycle Insurance Cost in Ohio?

Ohio motorcycle insurance costs can vary based on factors like riding experience, type of motorcycle, and how often you ride. Insurers also consider your driving history, location, and the coverage options you choose. The good news? GEICO offers competitive prices and discounts that help Ohio riders get quality, affordable motorcycle insurance.

Discounts on Motorcycle Insurance in Ohio

Looking for ways to save on your policy? GEICO offers many motorcycle insurance discounts to help you get the coverage you 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 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.
  • Paperless Discount: Discount offered for opting to receive documents electronically.
  • Military Discount: discounts for active-duty service members, veterans, and retired military members.
  • Home Ownership: Get discount just for being a homeowner. This is different from bundling (multi-policy) discount.

GEICO also offers motorcycle insurance payment plans so you can get a policy that works with you, not against you.

Why Choose GEICO for Motorcycle Insurance in Ohio?

Thousands of riders across the country trust GEICO to protect their bikes—and for good reason. We offer affordable, reliable motorcycle insurance backed by top-rated customer service and a fast, hassle-free claims process. With the GEICO Mobile app, managing your policy is easy. File a claim, access ID cards, or get roadside help right from your phone. Whether you're commuting through Columbus or road-tripping across the Buckeye State, you can count on GEICO to help keep you covered.

Get a Free Motorcycle Insurance Quote in Ohio

Ready to protect your bike in the Buckeye State? Get a fast, free Ohio motorcycle insurance quote from GEICO today, or contact us for personalized assistance.

Motorcycle Insurance in Ohio FAQs

  • Can I bundle motorcycle and auto insurance in Ohio?

    Absolutely! Bundling your motorcycle and auto policies with GEICO can unlock a multi-policy discount that simplifies your coverage and saves you money.

  • Does Ohio have a helmet law for motorcycle riders?

    Under Ohio law, all motorcycle riders and passengers are required to wear a DOT-approved helmet and eye protection, unless they are over 18 and have at least $20,000/$40,000 in medical coverage and specific safety apparel.

  • Do I need a motorcycle license or endorsement in Ohio?

    Yes, you need a Class M (motorcycle-only) or an M1/M2 endorsement added to your driver’s license to operate a motorcycle in Ohio legally. This typically requires drivers to pass written knowledge and riding skills tests.

  • Does taking a motorcycle safety course lower my insurance in Ohio?

    It can! Completing an approved Ohio Motorcycle Safety Program course may qualify you for a discount on your motorcycle insurance. It’s also a great way to learn how to ride smarter and safer on the road.