Delaware Motorcycle Insurance

General Motorcycle Insurance and ATV/Off-Road Vehicle Insurance Coverage Options for Delaware

Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in Delaware. All of our insurance policies insure individuals for recreational use only.

The information on this page is intended to be advertising statements, and is not an offer or promise of insurance coverage, nor should this information be relied on when determining the actual terms, conditions, and exclusions that apply to a specific insurance policy.

All of our insurance policies include the following:

All policies, including moped policies, include uninsured/ underinsured motorist coverage. The limits are set at the liability limits that you choose for your policy, unless you choose lower limits. Uninsured Motorist coverage allows you to obtain payment for damages to your vehicle or injuries caused by an uninsured who is at fault for an accident. Underinsured coverage allows you to obtain payment for injuries caused by an underinsured motorist who is at fault. These coverages are optional. You are allowed to reject these coverages if you choose to do so. Your premium will be reduced as a result.

Each policy protects you if another person, including your passenger, makes a claim that they suffered bodily injury or property damage from an accident that was your fault. You have no obligation to the injured party unless the damages exceed your policy limit.

Your policy of insurance provides Personal Injury Protection Coverage according to the laws of Delaware. Personal Injury Protection Coverage applies to the motorcycle operator and passenger, and to pedestrians when struck by your motorcycle. Personal Injury Protection Coverage pays the cost of treatment from hospitals, doctors, and other medical providers up to a maximum of $15,000 per person and $30,000 per accident, subject to a deductible if you chose one. For a lower premium you can also choose to restrict your Personal Injury Protection coverage to those accidents that happen on the road and involve contact with another vehicle.

Your policy includes no-fault protection of property that is damaged in an accident involving your motorcycle as long as the damaged property is not a motor vehicle, aircraft or watercraft, or items in or on them. This coverage is at no additional cost. Coverage limits are $10,000 per accident.

Insurance Coverage Packages & Options

The State of Delaware requires that all motorcycle operators carry minimum liability coverage. The State of Delaware minimum requirements are $25,000 bodily injury, $50,000 each accident, and $10,000 property damage. A standard liability policy covers bodily injury and property damage to the other party in the event of an accident deemed your fault.

Rider offers a range of liability options higher than the standard liability limits.

$50,000 Bodily Injury - Each Person
$100,000 Bodily Injury - Each Accident
$25,000 Property Damage

$100,000 Bodily Injury - Each Person
$300,000 Bodily Injury - Each Accident
$50,000 Property Damage

$250,000 Bodily Injury - Each Person
$500,000 Bodily Injury - Each Accident
$100,000 Property Damage



Also known as “Other than Collision”, comprehensive is when damage is caused by any of the following: breakage of glass, contact with a bird or animal, explosion or earthquake, fire, hail, water, flood or wind, lightning, malicious mischief or vandalism, missile or falling object, riot or civil commotion, smoke or theft. Policy limit for comprehensive coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for comprehensive coverage.

Collision Coverage: 
Pays for covered losses caused by impact with another vehicle or object. Policy limit for collision coverage is $45,000, subject to deductible and policy exclusions. All vehicles must be listed in the N.A.D.A. Book to qualify for collision coverage.

* In Delaware, you also have the option to purchase rental reimbursement coverage if you select physical damage coverage.

Roadside Assistance coverage is included on all policies. It provides towing in the event your motorcycle is disabled.

  • Towing up to 35 miles
  • Mechanical or electrical breakdown
  • Battery Jumpstart
  • Flat tire towing (up to 35 miles)
  • Lockout
  • Emergency delivery of fuel, oil, water or other fluids (does not include cost of fluids).

Up to $8,000 in accessory coverage is included on all policies with physical damage coverage, insuring a non-sport bike or non-high performance bike 551ccs or over, at no additional cost. This includes customized parts and equipment and paint. The coverage is in excess of the $45,000 limit on comprehensive or collision coverage.

This coverage is provided on all vehicles with physical damage coverage. It provides coverage for damage to your motorcycle safety helmet and/or safety apparel resulting from a covered collision loss. It also provides trip interruption coverage for meals and lodging when resulting from an insured peril.

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