North Carolina motorcycle insurance

Q: How much is motorcycle insurance in North Carolina?

Insurance costs vary based on many factors, including your age, accident and claims history, location, and policy limits. Each insurer has its own formula for calculating these factors. Progressive premiums in North Carolina are generally in line with our national average.

Q: What's the best motorcycle insurance in North Carolina?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Charlotte, Raleigh, Greensboro, or anywhere else in the Tar Heel State, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in North Carolina for bikers while still providing the valuable protection you need to ride with peace of mind.

North Carolina offers motorcycle enthusiasts a mix of peaceful riding through mountain scenery and exciting rallies in the heart of the city. As a leader in motorcycle insurance, Progressive helps bikers ride protected with personalized coverage, and we offer a variety of discounts to help riders save on motorcycle insurance in North Carolina. Find out everything you need to know about state requirements, coverages, cost information, and more.

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What are the minimum requirements for motorcycle insurance in North Carolina?

North Carolina motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won't cover damage to your own bike but may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets. Here are all of the required coverages and minimum amounts in the state of North Carolina.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$50,000 per person $100,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$50,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversMedical bills for you and your passengers if the at-fault	Minimum amount$50,000 per person $100,000 per accident
Uninsured motorist property damage	What it coversYour vehicle or property if at-fault motorist has no insurance	Minimum amount$50,000 per accident

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are often required if you're financing or leasing your motorcycle. If not, these coverages are optional. But we know motorcycle owners are always investing in their bikes, so coverage against physical damage can be important. Comprehensive coverage can protect your prized possession, as it may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in North Carolina?

In 2023, the annual cost for a Progressive motorcycle insurance policy in North Carolina with liability coverage was only $165.65.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in North Carolina?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Charlotte, Raleigh, Greensboro, or anywhere else in the Tar Heel State, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in North Carolina for bikers while still providing the valuable protection you need to ride with peace of mind.

You can decrease the cost of motorcycle insurance in North Carolina with motorcycle insurance discounts, such as:

Multi-policy discount
Advance quote discount
Motorcycle license/endorsement
Paid in full discount
Safety course

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in North Carolina

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to upgrades you've made to your bike and equipment, including chrome pieces, electronics, handlebars, and custom paint and wheels.
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy).
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft.
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop.

Learn more about motorcycle insurance coverages.

Quick facts for riding in North Carolina

According to the North Carolina DOT, an individual must have a motorcycle learner permit or a motorcycle endorsement on their provisional, regular, or commercial driver license to legally operate a motorcycle in North Carolina.
All motorcycle operators and passengers in North Carolina must wear a helmet while riding.
Although North Carolina doesn't have a law explicitly banning lane splitting, filtering, or sharing, the North Carolina motorcyclist handbook states that lane sharing is usually prohibited.