How much insurance coverage do I need on a Yamaha V-Star 1100?

I'm a 23-year-old motorcyclist who needs to add coverage to his bike. Do I need liability only, or should I get collision and comprehensive insurance?

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Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Motorcycles are inherently more dangerous to drive, even if you’re a great rider. Other motorists don’t pay attention and you’re the one in harm’s way.
Plus, motorcyclists are much more likely to spend an extended period of time in the hospital, so it’s important to have enough coverage to avoid financial stress.
You might want to consider higher levels of liability insurance than the state minimum. Most motorcyclists opt for at least 100/300/100, which pays for damage to the other motorist in an accident. It covers:
  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident
You may also want to include uninsured/underinsured motorist coverage to protect yourself in case the other driver doesn’t have any or enough insurance. “
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