Maryland Motorcycle Insurance

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

Rider insures a wide range of motorcycles and ATV/Off-Road vehicles with insurance coverage options to satisfy the needs of our customers in Maryland. All of our 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.

The following coverage is included on all standard policies:

All policies include uninsured motorist coverage. This coverage allows you to obtain payment for damages to your vehicle or injuries caused by an uninsured motorist who is at fault for an accident. This coverage also allows you to obtain payment from us if the person who caused the accident does not have enough insurance to cover your damages. In return for a lower premium, reduced limits are available upon request.

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.

Medical Payment Coverages apply only to pedestrians when struck by your motorcycle. Medical Payment Coverages pay the cost of treatment up to $5,000 for the pedestrian from hospitals, doctors, and other medical providers. Medical Payment Coverage is not provided for vehicle operator or passenger.

Insurance Coverage Packages & Options

The State of Maryland requires that all motorcycle operators carry minimum liability coverage. The State of Maryland minimum requirements are $30,000 bodily injury, $60,000 each accident, and $15,000 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


There are additional liability options. For additional information regarding these options read below.
Uninsured Motorist Coverage is required. However, you have the option to elect to lower limits than the liability limits, if the chosen liability limits are higher than the $30,000 / $60,000 / $15,000 minimum state required limits. This coverage will be set at the same limits as your Primary Liability Limits unless you take the proper steps to reduce them. If you wish to reduce this coverage, the first named insured must sign the proper reduction forms.

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.

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.

Maryland Motorcycle Insurance

Check Your State for Motorcycle Insurance Options

Motorcycle Insurance Quick Links