Ohio Motorcycle Insurance

You can buy a motorcycle without insurance, but you can't ride it on public roads without showing proof of insurance. Ohio law requires you to have liability insurance that covers at least:

• $25,000 for bodily injury or death of one person in an accident
• $50,000 for bodily injury or death of two or more people in an accident
• $25,000 for property damage in an accident

These are the minimum amounts required by law, but you may want to consider getting more coverage to protect yourself and your assets. Motorcycle accidents can be costly and devastating, and you don't want to be underinsured or uninsured. Having the right insurance can give you peace of mind and let you enjoy your motorcycle without worries.

Here at Bellwether Insurance, we are passionate about motorcycles and riders. We know how important it is to have the right coverage for your bike, whether you use it for commuting or touring. That's why we offer comprehensive and affordable motorcycle insurance policies that suit your needs and budget. 

We work with leading carriers to provide you with the best options and discounts available. Whether you need liability, collision, comprehensive, or uninsured/underinsured motorist coverage, we have you covered. We also offer roadside assistance, custom parts and equipment coverage, medical payments coverage, and more. No matter what type of motorcycle you own or how often you ride it, we can help you protect it and yourself.

Contact us today for a free quote and see why we are the preferred choice for motorcycle insurance in Ohio.

Like auto insurance, motorcycle insurance is a contract between you and an insurance company that protects you from financial losses in case of an accident. Motorcycle insurance covers your liability for bodily injury and property damage to others, as well as your own medical expenses and damage to your bike. Depending on your policy, you may also have coverage for uninsured or underinsured motorists, roadside assistance, and custom parts and equipment.

The claim process for motorcycle insurance is similar to auto insurance. If you are involved in an accident, you should contact your insurance company as soon as possible and provide them with the details of the incident. You may need to file a police report and obtain a copy of it. 



Your insurance company will assign an adjuster to investigate the claim and determine who is at fault and how much they will pay for the damages. You may need to get estimates from repair shops or provide receipts for medical bills.

Motorcycle insurance can cover different types of risks and damage, depending on the policy you choose. Here are some common forms of coverage offered by Ohio motorcycle insurance policies:

Liability Insurance

This is the minimum coverage required by law in Ohio. It covers the medical expenses and property damage of other people if you cause an accident. The minimum limits are $25,000 per person, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. However, you may want to consider higher limits to avoid paying out-of-pocket costs if you are sued.

Collision Insurance

Collision insurance covers the repair or replacement of your motorcycle if it is damaged in a collision with another vehicle or object. You can choose your deductible amount, which is the amount you pay before your insurance kicks in. This insurance is optional, but it may be required by your lender if you finance your bike.

Comprehensive Insurance

This covers the repair or replacement of your motorcycle if it is damaged by something other than a collision, such as fire, theft, vandalism, or animal strikes. Like collision insurance, you can choose your deductible amount. Comprehensive insurance is also optional, but it may be required by your lender if you finance your bike.

Medical Payments Coverage

Medical payments coverage covers your own medical expenses if you are injured in a motorcycle accident, regardless of who is at fault. It also covers the medical expenses of any passengers on your bike. You can choose the limit of coverage that suits your needs. Medical payments coverage is optional, but it may be helpful if you do not have health insurance or have a high deductible health plan.

Total Loss Coverage

This covers the full value of your motorcycle if it is totaled in a covered loss. It applies only to motorcycles that are less than one year old and have less than 2,500 miles on them. You must have both collision and comprehensive coverage to qualify for this coverage.

Roadside Assistance

This covers the cost of towing your motorcycle to the nearest repair shop if it breaks down on the road. It also covers other services such as battery jump start, gas delivery, and flat tire change. You need to have comprehensive coverage to add this coverage to your policy.

Carried Contents and Personal Belongings Coverage

Personal belongings insurance covers the cost of replacing or repairing your personal items that are carried on or attached to your motorcycle, such as helmets, gloves, jackets, luggage, or GPS devices. It applies only if they are damaged or stolen in a covered loss.

Enhanced Injury Protection

This pays your weekly income if you are unable to work due to injuries sustained in a covered motorcycle accident. It can pay as much as $250 per week for up to two years.

Custom Equipment Coverage

The policy covers the cost of replacing or repairing any aftermarket parts or accessories that are not originally installed on your motorcycle by the manufacturer, such as custom paint, chrome, exhaust systems, or audio equipment. It applies only if they are damaged or stolen in a covered loss. You can choose the amount of coverage that matches the value of your custom equipment.

OEM Endorsement

This ensures that your motorcycle is repaired with new parts from the original manufacturer if it is damaged in a covered loss. It applies only to motorcycles that are less than 10 years old.

These are some of the forms of coverage offered by Ohio motorcycle insurance policies. You can customize your policy according to your budget and preferences. To get a free quote for motorcycle insurance in Ohio, contact a local agent near you or request a quote from our website.

If you own a motorcycle in Ohio, you need to have insurance coverage that meets the state's minimum requirements. However, not all insurance policies are created equal, and some may have exclusions that limit your protection in certain situations. Here are some common exclusions that you should be aware of before you hit the road:

Damage caused by wear and tear, mechanical breakdown, or faulty repair: Your insurance policy will not cover the cost of repairing or replacing your motorcycle if it is damaged due to normal use, a mechanical failure, or a poor repair job. You will have to pay for these expenses out of your own pocket.

Damage caused by theft, vandalism, fire, or natural disasters: In the event of theft, vandalism, fire, or natural disasters like floods, earthquakes, or tornadoes, your basic insurance policy might not pay for fixing or replacing your motorcycle. You need comprehensive coverage, which is extra and optional, to safeguard your motorcycle from these risks.

Damage caused by an uninsured or underinsured motorist: Your insurance policy will not cover the cost of repairing or replacing your motorcycle if it is damaged by another driver who does not have insurance or does not have enough insurance to cover your losses. You will have to sue the other driver or rely on your own uninsured/underinsured motorist coverage if you have it.

To avoid any unpleasant surprises, read your policy carefully and understand what is covered and what is not. You should also follow all Ohio motorcycle safety requirements.

Ohio is a great place to ride a motorcycle and save money on insurance! Full coverage costs only $315 per year, which is $26 per month and 13% lower than the national average of $364. Liability coverage is even cheaper: just $115 per year or about $10 a month.



Depending on your risks and needs, you may have to pay more for your Ohio motorcycle insurance policy.

Our agents are waiting to help you get the best deals on Ohio motorcycle insurance. We work with top-rated companies that offer affordable and reliable coverage for your bike. 

Whether you need liability, collision, comprehensive, or uninsured/underinsured motorist protection, we can find the right plan for you. 



Don't wait any longer, call us today and ride with confidence!