What are Pennsylvania motorcycle insurance requirements?

How does motorcycle insurance in Pennsylvania work?

Pennsylvania law requires all motorcyclists to carry the same required insurance as drivers, which means you'll need liability coverage of at least:

• $15,000 in bodily injury per person
• $30,000 in total bodily injury per accident
• $5,000 in property damage per accident

Pennsylvania also requires something called "first party benefits.” This is a form of medical payments coverage that pays for medical bills you or your passengers incur after an accident. While motorcycles are mostly exempt from this requirement, motorcycle policies must still provide a first party benefit to pedestrians that sustain an injury because of an accident involving the insured motorcycle. You'll need a minimum of $5,000 of first party benefits coverage to comply with Pennsylvania law.

What’s included in a Progressive motorcycle insurance policy in Pennsylvania?

All Progressive policies with physical damage coverage include the full replacement cost — without depreciation — of any parts used in the repair. We also match parts, so if your bike has original equipment manufacturer parts, we'll pay for OEM parts for the repair. We'll pay for custom parts if you've got custom parts. That way, your bike is always restored to its pre-accident condition or better.

It's not just the bike that's covered – we also include accessories coverage that protects upgrades, customizations, and other extra gear. Policies with physical damage protection automatically include $3,000 of accessories coverage, but you can increase the limit as high as $30,000, so your bike is protected no matter how unique it is.

Standard Progressive motorcycle coverages

Pennsylvania's required coverage mostly protects others when you cause an accident. However, because motorcyclists and their bikes are more vulnerable in a crash than cars, many riders carry more than the legally required minimum coverages. If you want to protect your bike, collision coverage can pay for damages to your motorcycle that result from a collision, even if you're the one who caused it. Comprehensive coverage protects you from damages that result from forces beyond your control, like natural disasters, theft, vandalism, and even accidents with wild animals.

Riders commonly increase their medical payments coverage since motorcycle injuries can easily be serious and expensive to treat. Lastly, uninsured motorist coverage for motorcycles can protect you if another driver causes an accident but doesn't have enough insurance to cover the damage they cause you.

Other Progressive motorcycle coverages available in Pennsylvania

While the standard motorcycle insurance coverages are the basics for keeping yourself safe when you ride, you can customize your policy with even more specialized coverages:

• Total loss coverage is available for bikes no more than one model year old on a new policy or two years old on a renewal. It protects against depreciation by paying the full MSRP of a current model year of your bike, less your deductible, in the event of a total loss.
• Roadside assistance covers the cost of towing your bike to the nearest mechanic. It can be further expanded with trip interruption protection to cover costs like hotel or transportation if you're away from home.
• Carried contents protects any belongings or personal effects (cellphones, hunting gear, etc.) you carry on the bike with you against theft or damage resulting from a covered accident.
• Enhanced injury protection can pay up to $250 a week for two years if you suffer an injury in a covered accident that prevents you from working.

See all Progressive motorcycle insurance coverages.

How much is motorcycle insurance in Pennsylvania?

Insurance rates vary according to many factors like the rider's location, riding habits, age, accident history, coverage limits, and more. Fortunately for Quaker State residents, Pennsylvania is considered a low-cost state with less expensive premiums than the national average based on Progressive’s pricing. Learn more about how motorcycle insurance rates are calculated.

Where to find cheap motorcycle insurance in Pennsylvania

Shopping for inexpensive insurance means looking for a balance of cost and coverage since being underinsured can be expensive if you get into an accident. Focus on getting the proper protection first — you can bring the monthly cost down by tweaking your coverage limits and deductible. You can also save with our many discounts, including:

• Multi-policy
• Motorcycle endorsement
• Safety course
• Switch and save
• Three-year accident-free

See all motorcycle insurance discounts.

How to get motorcycle insurance in Pennsylvania