Motorcycle Insurance vs. Auto Insurance: Key Differences

Motorcycle insurance and auto insurance may seem similar, but they address different types of risks. While both policies may help with costs after a motor-vehicle accident, the risks they address and their coverage options can differ.

Below are some key differences to be aware of:

Liability Coverage

Both types of policies can include liability coverage to help with injuries or property damage you may cause to others. Auto liability coverage may offer different limits and options tailored to the risks of driving a larger vehicle that can cause more damage.

Physical Damage Coverages

Collision and comprehensive coverages can help pay for damage to your motorcycle or car from accidents, theft or certain weather events. Motorcycle policies may also offer optional accessories and custom parts coverage that standard auto policies may not cover.

Uninsured/Underinsured Motorist Coverage

Both motorcycle and auto policies can include this coverage, but it may be especially important for motorcyclists, who can face more severe outcomes in crashes with uninsured or underinsured drivers.

Why Specialized Motorcycle Policies Matter

Motorcycles can involve different risks than cars, and specialized motorcycle insurance can address them with options such as:

• Coverage for custom parts and equipment may help with damage to aftermarket upgrades, accessories and customizations that standard policies can exclude or limit.
• Roadside assistance coverage designed for motorcycles can provide towing, fuel delivery and other services tailored to motorcycle breakdowns and smaller tow-capable vehicles.
• Flexible lay-up policies for seasonal riders may allow reduced coverage or adjusted premiums during months when the bike is stored and not being ridden.

Get Covered Today

Contact King Insurance to discuss your motorcycle or auto insurance needs or request a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.