Motorcycle Insurance
For worry-free rides
Motorcycle Insurance
In order to choose the best motorcycle insurance option that works for you and your lifestyle, it’s important to understand all your options. Most states require that motorcyclists carry a minimum of liability insurance, but other coverages, such as collision or comprehensive, are optional and often recommended. The professionals at The Resource Center in Springfield and Branson will help you determine which insurance plan is right for you.
Determine your level of coverage
Motorcycle Coverage
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Liability Coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident - it doesn’t cover you or your motorcycle. Some liability policies provide Guest Passenger Liability Insurance, which provides protection in the event that a passenger is injured on the motorcycle.
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Collision Coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, that are caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
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Comprehensive Coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
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Motorcycle Insurance: Cost-Saving Tips
- Take a driver training course or a motorcycle safety course, such as the Motorcycle Safety Foundation (MSF) rider course. Many companies offer discounts on motorcycle insurance for graduates of training courses.
- Take the motorcycle permit and drivers test with the Department of Motor Vehicles to have your license endorsed as “Motorcycle Qualified.”
- Maintain a good driving record with no violations.
- Buy a “lay-up” policy where all coverage except comprehensive is suspended during the winter months.
- Ask about what other discounts your insurance representative might be able to offer.
Frequently Asked Questions About Motorcycle Insurance
Is motorcycle insurance required in Missouri?
Yes. Missouri law requires every rider to carry a minimum amount of liability insurance before hitting the road. If you are caught without it, you are looking at fines, a suspended license, and being personally responsible for any damages you cause. Our agents can make sure you meet the state minimum and help you decide if more coverage makes sense for how you ride.
What is the difference between liability, collision, and comprehensive coverage?
Liability covers injuries and property damage you cause to someone else but does not cover you or your bike. Collision covers damage to your motorcycle when you hit another vehicle or object. Comprehensive covers damage from theft, fire, or vandalism. Most riders carry all three so they are covered no matter what happens.
Does liability insurance cover my passenger?
Not automatically. Some policies include Guest Passenger Liability, which covers injuries to someone riding with you. If you ride with a passenger regularly, make sure that protection is part of your policy before you head out.
If my bike is totaled, how is the payout calculated?
Both collision and comprehensive pay based on the book value of your motorcycle at the time of the loss, not what you originally paid. If you have added custom parts or accessories, a standard policy may not cover those. Ask your agent about adding coverage for any modifications.
Are there ways to lower my premium?
Yes. Completing a Motorcycle Safety Foundation course can qualify you for discounts with many carriers. Getting your license endorsed as Motorcycle Qualified through the DMV helps too. Keeping a clean driving record and asking your agent about available discounts are both worth doing.
What is a lay-up policy?
A lay-up policy suspends collision and liability coverage during the winter months while keeping comprehensive active so your bike is still protected in storage. If you only ride part of the year, it is a practical way to reduce what you pay without leaving your bike unprotected.
Does my car insurance cover my motorcycle?
No. Your auto policy does not extend to a motorcycle. They require their own separate policy. If you are riding without dedicated motorcycle insurance, you are not covered.
What do I need to get a quote?
Have the make, model, year, and engine size of your bike ready along with your license information. Fill out the form on this page or call us at 417-882-1800 and an agent will take it from there.
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