Can I Get Motorcycle Insurance for My Dirt Bike? 

Dirt bikes are an exciting way to enjoy the outdoors, but they come with their share of risks. Before you embark on your next excursion, ensure you have the proper insurance protection. Begin by understanding available options.

Do Dirt Bikes Qualify for Motorcycle Insurance?

There are different kinds of dirt bikes, and they’re not all treated the same by insurance companies. Essentially, if your bike is road legal (e.g., turn signals, lights, adequate speeds, etc.), then it may qualify for motorcycle insurance. This may vary depending on the insurer, so it’s best to consult with Driven Insurance Services to double-check.

What if Mine Doesn’t Qualify?

If your dirt bike isn’t road legal, or it will never be used on a public road, you may have other options available. Some insurers may offer a recreational vehicle, or off-road vehicle, policy for dirt bikes. This kind of policy can also apply to other vehicles, like snowmobiles and ATVs.

What Can a Policy Cover?

While the specific policy might vary by insurer, the underlying protections for your dirt bike may be similar. Coverage may include the following options:

• Liability coverage may pay for injuries or property damage you cause to others while riding your dirt bike.

• Collision coverage can help cover repair or replacement costs if your dirt bike is damaged in an accident.

• Comprehensive coverage may protect against non-collision events like theft, fire or vandalism.

• Uninsured/underinsured motorist coverage can provide financial protection if you’re hit by someone with little or no insurance.

• Medical payments (MedPay) may help cover your medical expenses after an accident.

• Accessory coverage can insure custom parts, gear and modifications on your dirt bike.

Where Can I Find Affordable Dirt Bike Insurance?

Driven Insurance Services is here for all your dirt bike insurance needs. Contact us today to learn what type of coverage may be suitable for your unique circumstances.

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.