Motorcycle Insurance in Pennsylvania

Pennsylvania’s mix of bustling cities, scenic countryside, and historic highways makes it an exciting place to ride, and having reliable motorcycle insurance is a must. GEICO offers affordable, flexible coverage options designed to keep Pennsylvania riders protected on the road, with excellent customer support and digital tools to manage your policy with ease.

Is Motorcycle Insurance Required in Pennsylvania?

Yes, motorcycle insurance is legally required in Pennsylvania. To legally operate a motorcycle on public roads, riders must carry active liability insurance that meets the state’s minimum requirements. Proof of insurance is necessary to register your motorcycle, and riding without valid insurance can result in fines, license suspension, and other penalties.

Minimum Motorcycle Insurance Coverage Requirements in Pennsylvania

Motorcyclists in Pennsylvania are required to meet the following minimum liability coverage limits:

Coverage Type What It Covers Pennsylvania Minimum Limits
Bodily Injury Liability Injuries to others in an accident $15,00 per person / $30,000 per accident
Property Damage Liability Property damage you cause $5,000 per accident
Pedestrian Personal Injury Protection Covers medical payment for injuries you, as the motorcyclist, might cause to a pedestrian in an accident $5,000

These limits are the legal minimums, but many Pennsylvania riders choose to increase their coverage to help reduce out-of-pocket costs in the event of an accident.

Optional Motorcycle Insurance Coverages in Pennsylvania

Riders in Pennsylvania can enhance their coverage with various optional insurance policies to suit their specific needs:

  • Collision Coverage: Helps cover repair or replacement costs if your motorcycle is damaged in an accident.
  • Comprehensive Coverage: Protects against non-collision damage such as fire, theft, or vandalism.
  • Emergency Roadside Service: Towing and basic mechanical help when your motorcycle breaks down.
  • Accessory Coverage: Covers custom additions, such as chrome parts, saddlebags, and special equipment. If you carry comprehensive and/or collision coverage on your policy, GEICO automatically includes $2,000 of custom accessory coverage at no extra cost.

These optional coverages allow you to personalize your insurance to suit your lifestyle, providing peace of mind while you ride.

How Much Does Motorcycle Insurance Cost in Pennsylvania?

The cost of motorcycle insurance in Pennsylvania can vary based on factors such as your location, the type of bike you ride, and your riding experience. Urban areas like Pittsburgh and Philadelphia may have higher premiums due to a greater risk of accidents and theft. In rural areas, rates might be lower, but coverage costs still depend on other factors.

Factors that can affect your rate include:

  • Type, model, and age of your motorcycle
  • Your riding experience and driving record
  • How and where you store your bike (e.g., garage vs. outdoors)
  • Completion of safety courses or training

Looking for affordable motorcycle insurance? GEICO also offers convenient motorcycle insurance payment plans to help keep coverage within reach.

Discounts on Motorcycle Insurance in Pennsylvania

There are several ways to lower your motorcycle insurance premium in Pennsylvania with GEICO. By taking advantage of available discounts, you can save on your coverage:

  • 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.

Why Choose GEICO for Motorcycle Insurance in Pennsylvania?

With GEICO, Pennsylvania riders get affordable motorcycle insurance and peace of mind. GEICO offers reliable, cost-effective coverage options that can be tailored to meet your specific needs. Our quick and easy claims process, flexible payment plans, and excellent customer service ensure you’re covered when you need it most. Plus, GEICO’s online tools make it simple to manage your policy anytime, anywhere. GEICO is here to support you every mile of the way.

Get a Free Motorcycle Insurance Quote in Pennsylvania

Getting a free motorcycle insurance quote from GEICO is easy and fast. Protect your motorcycle with a plan that works for you and your budget. Compare options, apply available discounts, and get the protection you need today. Get your free motorcycle insurance quote today and enjoy the peace of mind that comes with knowing you’re covered on the roads of Pennsylvania.

Motorcycle Insurance in Pennsylvania FAQs

  • Can I bundle motorcycle and auto insurance in Pennsylvania?

    Yes, you can bundle your motorcycle insurance with your auto insurance policy through GEICO in Pennsylvania. Bundling your policies can help you save money and simplify your coverage management.

  • Does Pennsylvania have a helmet law for motorcycle riders?

    Yes, Pennsylvania requires all riders under the age of 21 to wear helmets. For riders over the age of 21, helmets are not required if they meet certain conditions, such as carrying the required insurance coverage, either through their motorcycle policy or personal health insurance.

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

    Yes, Pennsylvania requires riders to have a motorcycle license or endorsement to legally operate a motorcycle. You’ll need to pass a written and skills test to qualify for the endorsement.

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

    Yes, GEICO offers discounts for Pennsylvania riders who successfully complete a Motorcycle Safety Foundation (MSF) or other approved courses. This can help you save on your insurance premiums.