Pennsylvania Motorcycle Insurance
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MOTORCYCLE INSURANCE IN PENNSYLVANIA
AFFORDABLE COVERAGE AND TRUSTED PROTECTION FOR PENNSYLVANIA RIDERS.
Built by Riders, for Pennsylvania Riders
Rider Insurance has been protecting Pennsylvania motorcyclists for decades with affordable motorcycle insurance built for every type of bike and rider. From weekend rides through the Poconos to weekday commutes in Philadelphia, Rider offers flexible motorcycle insurance in Pennsylvania that fits your budget and your lifestyle.
Whether you’re searching for motorcycle insurance in PA, comparing motorcycle insurance quotes online, or looking for the cheapest motorcycle insurance in PA, Rider makes it easy to get covered — fast.
Get your free Pennsylvania motorcycle insurance quote today or call 833-707-4337.
Pennsylvania Motorcycle Insurance Coverage Options
Rider offers a full range of coverages so you can ride with confidence knowing your motorcycle, gear, and accessories are protected.
Packages Options
- What it covers: Liability insurance covers bodily injury and property damage to the other party in the event of a covered accident deemed your fault.
- Limit: In Pennsylvania, all motorcyclists are required to carry minimum liability coverage of $15,000 per person and $30,000 per accident for bodily injury, and $5,000 for property damage. Rider offers a range of liability options higher than the standard liability limits.
- Eligibility: All motorcycle policies must carry at least the state minimum coverages mentioned above.
- What it covers: This optional coverage pays for covered losses to your motorcycle caused by impact with another vehicle or object.
- Limit: The policy limit for collision coverage is $45,000, subject to deductible and policy exclusions.
- Eligibility: All vehicles must be listed in the J.D. Power Used Car Guide (formerly NADA Used Car Guide) to qualify for collision coverage.
- What it covers: Applies when damage is caused by (1) the breakage of glass, (2) contact with a bird or animal, (3) explosion or earthquake, (4) fire, hail, water, flood or wind, (5) lightning, (6) malicious mischief or vandalism, (7) missile or falling object, (8) riot or civil commotion, or (9) smoke or theft.
- Limit: Up to $45,000, subject to deductible and policy exclusions.
- Eligibility: All vehicles must be listed in the J.D. Power Used Car Guide to qualify for comprehensive coverage.
- What it covers: Allows you to obtain payment for injuries caused by an uninsured or underinsured motorist who is at fault for an accident. You can reduce limits or reject the coverage to lower your premium.
- Limits: The limits are set at the liability limits that you choose for your policy unless you choose to reduce the limits or reject the coverages(s).
- Eligibility: Rider motorcycle insurance policies include uninsured/underinsured motorist coverage unless you choose to reject the coverage(s).
- What it covers: Pays medical bills for the operator and passengers in an accident. The coverage is provided regardless of fault.
- Limits: Limit options range from $1,000 to $25,000.
- Eligibility: This is optional coverage which can be added to any Rider motorcycle policy.
Rider offers a wide range of liability limits, as well as collision and comprehensive coverage options to meet any budget. Speak with one of our insurance consultants today to get a custom quote designed to fit your needs.
Available Discounts
Rider helps you save on your motorcycle insurance premium with discounts available to Pennsylvania riders, including:
- Military
- Rider Experience
- Safety Course (PennDOT/MSF approved)
- Safety Course Instructor
- 5 years Claim Free
- Pay In Full
- Transfer
- Advance Shopper
- Anti-theft
- Anti-Lock Brake
- eDocuments
- Riding Group
- Group Affinity
- Companion Package
- Homeowner
Every Rider motorcycle policy comes with valuable extras you won’t find with other motorcycle insurance companies in PA. These benefits are designed with riders in mind, adding convenience, protection, and peace of mind every time you ride.
- Rider Roadside Assistance: 24-hour assistance if your motorcycle is disabled. Coverage includes flatbed towing up to 35 miles, battery jumpstart, mechanical or electrical breakdown assistance, lockout service, emergency fluid delivery (cost of fluids not included), concierge service and an information hotline. Not available for motorcycles used off-road.2
- Helmet Coverage: Our specialized helmet coverage insures safety helmets five years old or less, approved by the Department of Transportation (“DOT”), that are damaged as a result of a covered comprehensive or collision loss, up to $500 per occurrence (subject to the per motorcycle comprehensive or collision deductible).*
- Replacement Cost Coverage: If your new motorcycle is totaled within one calendar year of purchase, Rider will pay up to $45,000 to replace it, provided collision and/or comprehensive coverage applies at the time of loss. This makes Rider one of the best motorcycle insurance options in Pennsylvania for new bike owners.*
Special benefits for Pennsylvania Riders
Rider Insurance offers special perks and coverage options you won’t find with most motorcycle insurance companies in PA:
- Rider Accessory Package* – Motorcycles with comprehensive coverage automatically include up to $8,000 of accessory and customization coverage. This includes damage to accessories, chromed parts and non-standard equipment in the event of a covered motorcycle loss. You also have the option to tailor your policy with increased limits up to $30,000. Not available for ATVs or UTVs.
- Get Home Safe® – Sometimes it’s better to get a ride than operate your own vehicle. We’ll cover your cab fare home once per policy, per year up to $50 if you don’t feel safe riding (excluding mechanical breakdown). 1
- Mobile-Friendly Account Access – Accessing your policy is fast and easy with Manage Your Policy, eDocuments and more.
Affordable Motorcycle Insurance Quotes in Pennsylvania
Looking for cheap motorcycle insurance quotes in PA without sacrificing protection? Rider makes it easy to compare rates, choose your coverage, and start riding with confidence.
- Get a free motorcycle insurance quote online in minutes.
- Speak with a local PA motorcycle insurance agent for personalized help.
- Bundle your motorcycle policy with your auto, home, or renters insurance for added savings.
With over 50 years of experience and thousands of loyal riders, we know what matters most: affordable protection, dependable service, and coverage built by riders — for riders.
Get your Pennsylvania motorcycle insurance quote today and experience why Rider remains the state’s most trusted name in motorcycle insurance.
Certain restrictions and limitations apply. Refer to the language issued in your policy or speak with your agent for complete details.
*Available to customers who have purchased comprehensive or collision coverage.
1 – Get Home Safe: Policyholders may be reimbursed up to $50 for the cost of a taxi or car service ride once per policy per year for a one-way ride if they find themselves in a situation where it would be unsafe to operate their motorcycle (not applicable to mechanical breakdown). Original receipt must be submitted with the reimbursement form.
2 – Roadside assistance for motorcycle policies is provided by a third-party vendor. Cost of fluids will be responsibility of policyholder. At no charge to the policyholder, a tow will be provided to any qualified repair facility of policyholder’s choice within a 35-mile radius of the motorcycle’s disablement location. If the policyholder requests to be towed to a destination beyond 35 miles, the policyholder will be responsible to pay the tower at the time of tow the difference in cost from the nearest qualified repair facility within 35 miles and the tow destination they requested. Winching (usually defined as 25 to 30 feet from road depending on tower’s equipment) will be included in the Roadside Services provided for passenger motorcycles. Roadside assistance service for motorcycles does not include services for motorcycles used off-road, trailers used to haul motorcycles, or any service that is reasonably non-accessible to towers. A $75 limit applies to reimbursements for roadside assistance services that were not obtained by contacting the third-party-vendor. Policyholder is solely responsible for payment directly to the service provider for any fees for accommodations arranged by Concierge Services. A maximum amount of $150 will be reimbursed if the service provider is unable to provide assistance due to specific highway towing restrictions. A copy of the receipt is required.
Important: 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 actual terms, conditions and exclusions which apply to a specific insurance policy.