What insurance coverage should I have for my motorcycle in Pennsylvania?

I'm wondering what insurance limits I should carry for my motorcycle and how to find the most affordable rate.

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Emily Maracle
Answered on Apr 30, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“In Pennsylvania, the minimum required insurance is $15,000/$30,000 for bodily injury liability, $5,000 for property damage liability, and $5,000 for medical payments coverage.
While these limits are the minimum required to operate your motorcycle on the road, most insurers recommend carrying higher limits of coverage.
Other coverage options to consider are uninsured/underinsured motorist coverage, comprehensive coverage, and collision coverage. These coverages will provide extra protection in the event of an accident.
It’s important to look at what you can afford for insurance coverage. Once you figure that out, you can shop around with different insurance carriers. By shopping around, you’ll be able to get the highest-limit coverage available within your budget.
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