Motorcycle Insurance in West Virginia & Ohio
Freedom on two wheels, protected.
Whether you ride a cruiser on weekend getaways, commute on a sport bike, or tour cross-country on a Gold Wing, we will find you the right coverage at a competitive price. As an independent agency, we shop multiple carriers to get you the best deal.
Get a Free Motorcycle Insurance Quote
Tell us about your bike and we will shop our carriers to find you the best coverage and price.
Or stop by our Point Pleasant office for a quote
Motorcycles We Insure
From classic cruisers to high-performance sport bikes, we can find coverage for almost any motorcycle.
Cruisers
Harley-Davidson, Indian, Honda Shadow, Yamaha V-Star
Sport Bikes
Yamaha R6/R1, Honda CBR, Kawasaki Ninja, Suzuki GSX-R
Touring Bikes
Harley Road King, Honda Gold Wing, BMW K1600
Standard/Naked
Yamaha MT series, Honda CB, Kawasaki Z series
Adventure Bikes
BMW GS, KTM Adventure, Honda Africa Twin
Dual Sport
Street-legal dirt bikes and enduro motorcycles
Vintage/Classic
Antique and classic motorcycles 25+ years old
Trikes
Three-wheel motorcycles like Can-Am Spyder, Harley Tri Glide
What Motorcycle Insurance Covers
A comprehensive motorcycle policy protects you, your bike, and your passengers on every ride.
Liability Coverage
Required by law
Covers bodily injury and property damage you cause to others in an accident. West Virginia requires minimum limits, but higher limits provide better protection against lawsuits.
Collision Coverage
Damage from accidents
Pays to repair or replace your motorcycle if you collide with another vehicle or object, regardless of fault. Essential for newer or financed bikes.
Comprehensive Coverage
Theft, fire, and more
Covers non-collision damage including theft, vandalism, fire, falling objects, and weather damage. Motorcycles are often targets for theft, making this coverage important.
Uninsured Motorist
When others have no insurance
Protects you if you are hit by an uninsured or underinsured driver. Especially important for motorcyclists who are more vulnerable in accidents.
Medical Payments
Your injury expenses
Covers medical expenses for you and your passenger after an accident, regardless of fault. Pays for hospital bills, surgery, and rehabilitation costs.
Accessory Coverage
Custom parts and gear
Covers aftermarket parts, custom accessories, chrome, exhaust systems, and riding gear. Essential if you have invested in upgrading your bike.
Roadside Assistance
Help when you need it
Covers towing, flat tire service, fuel delivery, lockout assistance, and battery jump starts. Peace of mind for long rides and daily commuting.
Trip Interruption
Coverage on the road
Reimburses lodging, meals, and transportation if your motorcycle breaks down more than a certain distance from home due to a covered loss.
Why You Need Motorcycle Insurance
West Virginia requires liability insurance for all motorcycles operated on public roads. But beyond the legal requirement, motorcycle insurance is essential protection for riders who face unique risks on the road.
Motorcyclists are more vulnerable than car drivers in accidents. Comprehensive coverage protects your investment and provides financial security if something goes wrong—whether it is a collision, theft, or damage while parked.
Common Motorcycle Claims
- Collision with cars and trucks
- Theft from garages and parking lots
- Damage from road hazards and debris
- Weather damage and tip-overs
- Vandalism and hit-and-run incidents
Protecting Riders Across the Region
Whether you ride the mountain roads of West Virginia or cruise along the Ohio River, our policies provide coverage wherever your adventures take you.
Frequently Asked Questions
How much does motorcycle insurance cost?
Motorcycle insurance costs depend on the type of bike, engine size, your age, riding experience, and driving record. Most riders pay between $200-$1,000 per year for full coverage. Sport bikes and high-performance motorcycles typically cost more than cruisers due to higher accident rates.
What are the minimum insurance requirements in West Virginia?
West Virginia requires motorcycle liability insurance with minimum limits of 25/50/25: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. We recommend higher limits for better protection.
Does my motorcycle need to be insured year-round?
If your motorcycle is registered, it must be insured. Some carriers offer seasonal or lay-up policies that reduce comprehensive-only coverage during winter months when the bike is not being ridden. This can save money while maintaining theft and damage protection.
Are my custom parts and accessories covered?
Standard policies include limited coverage for permanently attached accessories. If you have invested in custom parts, exhaust systems, chrome, or other upgrades, you should add accessory coverage to ensure they are fully protected. Riding gear typically requires a separate endorsement.
Do I need special insurance for a sport bike?
Sport bikes do not require special insurance, but they typically cost more to insure due to higher accident rates and repair costs. Some carriers specialize in sport bike coverage and may offer better rates than general insurers.
What discounts are available for motorcycle insurance?
Common discounts include completing a motorcycle safety course, bundling with auto or home insurance, being claim-free, insuring multiple bikes, having anti-theft devices, and being a member of motorcycle organizations like HOG or AMA.
Ready to Protect Your Ride?
Get a free quote and see how affordable motorcycle insurance can be. We will shop multiple carriers to find you the best coverage at the best price.
Looking for a different location?
We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV