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Motorcycle Insurance

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Pennsylvania Motorcycle Insurance Coverage

Between selecting the right coverage and keeping it affordable, getting the right insurance policy can be difficult. We know it seems tempting to go with the cheapest policy you find. However, in our experience, the few dollars you save each month is nothing compared to the thousands you'll save when you need your insurance the most.

Having the right coverage can make all the difference in your accident. We've listed some suggestions if you're considering changing or updating your motorcycle insurance. As always, if you've been injured in a motorcycle accident, call our attorneys today. We're available 24/7 at 1-866-943-3427 or fill out our free online legal consultation in the top right corner of this page.

Required PA Motorcycle Coverage

In Pennsylvania, motorcyclists are required to carry at lease two forms of insurance on their policies:

  • Bodily Injury Protection – This will cover injuries or death sustained in the accident.
  • Property Damage Protection – This covers damages to another person's property as the result of an accident.

Uninsured and Underinsured Motorist Coverage

One of the most important decisions you can make when choosing your motorcycle insurance is opting for Uninsured and Underinsured Motorist (UM/UIM) coverage. Most insurance companies won't explain the benefits of this choice, but it could save you thousands in the long run.

Many drivers in Pennsylvania don't have adequate insurance policies to cover the cost of an accident. In fact, many drivers choose to have the state required minimum for their policies. Without Uninsured and Underinsured Motorist coverage, you may be the one left holding the bill after your motorcycle accident – even if it wasn't your fault.

UM/UIM protects you and your loved ones against motorists who either drive without insurance or don't have adequate coverage on their policy. We recommended you select this for your policy. Saving a few dollars on your monthly premium may sound great, but it's nothing compared to the thousands you'll save when your medical bills, bike repairs, and rehab costs are covered after an accident.

Our Recommended PA Motorcycle Coverage

In the table below, we've listed Pennsylvania's state minimum requirements and our recommendations for what you should carry.

PA Motorcycle Insurance Coverage Options


Minimum Required

Minimum Recommended

Bodily Injury Liability

$15,000 per person
$30,000 more than 1 person

$100,000 per person
$300,000 per occurrence

Property Damage Liability



Underinsured Motorist

Not Required

$100,000 per person
$300,000 per occurrence

Uninsured Motorist

Not Required

$100,000 per person
$300,000 per occurrence

Stacking of Limits for Uninsured/Underinsured Motorists

Not Required

Choosing stacking is essential to maximizing your family's protection:
$100,000 x the number of vehicles in the household

If You've Been Hurt in a Motorcycle Accident, Call Us Now

Our experienced attorneys are ready to help with your injury claim. We're available 24/7, and we're ready to get started on your accident case. Contact us at 1-866-943-3427 or simply fill your information into the form located in the top right corner of this page.

We'll answer your legal questions, examine the details of your unique situation, and determine whether or not you have a case. Our consultations are absolutely free, and there's no obligation to use our services.

If you hire our law firm, we'll cover all your upfront fees, send investigators to collect evidence, and hire the experts needed to prove your case. Don't hesitate. Call us today. And remember, there's never a fee unless we get money for you.

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