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Get Motorcycle Insurance Coverage that Matches Your Needs

The number of U.S. households with motorcycles is growing, according to the Motorcycle Industry Council. That means if you own one of the roughly 13 million motorcycles parked in garages or outside homes across the county, you’ll need to take one more important thing with you on the road to keep you and your prized machine protected: specialty insurance.

If you prefer to travel on two-wheels, it’s important your insurance coverage is along for the ride. Specialty insurance through AAA offers peace of mind and protects your property.

Whether you’re riding a standard, cruiser, touring, sport touring, sport bike, trike, dirt bike, dual purpose, scooter/moped, or autocycle, we can insure every style. And the best part? All of our coverage comes with exceptional service and support.

What types of vehicles are covered?

We cover all types of motorcycles, from manufacturers such as Harley-Davidson, Honda, and Indian. And a range of models, including:

  • Cruisers
  • Touring
  • Standard bikes
  • Sport touring
  • Choppers
  • Café racers
  • Sport bikes

Wondering about other types of two-wheeled rides? We’ve got you covered with dirt bike, moped, and scooter insurance, too.

To find out more about motorcycle insurance and other specialty auto and homeowners products, contact an H.M.C. Insurance Agent or to learn more.

Frequently Asked Questions

You’re required to carry motorcycle insurance in Indiana and show proof of insurance when you register your motorcycle. Additionally, Indiana has established the following rider safety laws:

  • Rider training: To operate a motorcycle in Indiana, you need to be at least 16-and-a-half years old, and you need to obtain a motorcycle endorsement on your driver’s license. You can earn this endorsement by completing a Ride Safe Indiana safety course or a Bureau of Motor Vehicles (BMV) written test and motorcycle skills test.
  • Helmets and eye protection: Riders under 18 must wear a helmet and eye protection.
  • Handlebars: Your handlebars can extend no higher than 15 inches above the seat.
  • Brakes: Your bike must have at least one functional hand or foot brake.
  • Rear reflectors: Your rear reflectors must be located 20–60 inches from the ground and visible at 100–350 feet at night.
  • Passenger seats and footrests: To legally carry passengers, your bike must have a dedicated passenger seat and footrests or foot pegs.
  • Headlights: One headlight is required at all times—even during daylight—and no more than two are allowed.
  • Turn signals: Ensure turn signals are in good working order.
  • Speedometers: Your bike must have a functional speedometer.

Required limits for motorcycle insurance vary from state to state. In Indiana, the minimum motorcycle insurance coverage limits are:

  • $25,000 for bodily injury liability and guest passenger liability per person
  • $50,000 for bodily injury liability and guest passenger liability for two or more persons 
  • $25,000 for property damage liability
  • $25,000 per person and $50,000 per occurrence for uninsured motorist bodily injury liability (if insured doesn’t reject this coverage)
  • $50,000 per person and per accident for underinsured bodily injury liability (if insured doesn’t reject this coverage)

Are optional motorcycle insurance coverages available in Indiana?

Yes. Along with the required coverages listed above, we offer optional coverages at affordable rates. Here are three additional coverages you can add to your policy for extra protection.

Comprehensive coverage

Comprehensive motorcycle insurance coverage helps pay for motorcycle repairs if your bike is damaged by something other than a collision—for example, theft, vandalism, or hail.

Collision coverage

Collision motorcycle insurance coverage helps pay for repairs to your motorcycle if it’s damaged in an accident with another vehicle or hits an object other than a vehicle.

Medical payments

We all know how expensive medical bills can be. This optional coverage can help cover both your and your passenger’s medical costs following an accident.

We believe insurance should be as customizable as your motorcycle. That’s why we offer numerous insurance discounts to our riders. The following discounts are available in Indiana—talk with your agent to see if you qualify for one or more of these discounts.

  • Advance quote
  • Anti-theft
  • Claim-free renewal
  • Experienced rider
  • Garaging
  • Harley Owners Group (H.O.G.) member
  • Homeowner
  • Loyalty
  • Motorcycle endorsement
  • Multi-line
  • Multi-vehicle
  • Operator safety course
  • Ownership
  • Paid-in-full
  • Prompt payer
  • Rider group
  • Transfer

Get a price, get covered, and get on the road.Get a Motorcycle Quote

Motorcycle insurance provided by Dairyland brand products, backed by H.M.C. Insurance Agency Inc. Your will be redirected to our partner site Dairyland for real-time quoting.