(800) 253-1482Missouri Motorcycle Insurance
Summary: Missouri’s scenic roads attract thousands of motorcycle enthusiasts, making reliable insurance essential. Coverage options include liability, collision, and comprehensive plans tailored to your needs. Freedom Insurance Group helps riders save with competitive rates, discounts, and customized protection. It doesn't matter where you ride, the right policy keeps you protected wherever the road takes you. On average, liability-only coverage costs around $14-$15 per month, but actual rates depend on factors like riding history and bike type. Get a free quote today and ride with confidence. Estimated Read Time: 6 mins
The Show Me State’s scenic roads attract over 140,000 motorcycle owners, making reliable insurance a must. Customizable coverage, including liability, collision, and comprehensive options that fit your needs can be affordable. Freedom Insurance Group helps riders save with low rates, various discounts, and personalized protection for added peace of mind. Whether you're cruising through the Ozarks or exploring city streets, the right coverage keeps you protected. Get a quote today and ride with confidence, knowing you're covered with Missouri motorcycle insurance coverage wherever the road takes you.
Average Cost of Motorcycle Insurance in Missouri
The cost of a Missouri motorcycle insurance policy varies, however, riders can expect to pay around $14 to $15 per month for liability-only, totaling about $170 to $180 annually.
However, your actual rate depends on factors like riding history, bike type, location, and experience.
For example, a rural cruiser rider may pay less than a sportbike owner who drives in the city because there are differing levels of risks and coverage needs for both.
Get a Free Missouri Motorcycle Insurance Quote Online
Getting a Missouri motorcycle insurance quote is the first step in finding the right protection. Riders need to compare quotes and look for discounts on safe riding courses or bundling policies to avoid overpaying for coverage.
Rates vary among carriers, which is why Freedom Insurance Group works with top-rated carriers near you to ensure our clients find personalized protection at the lowest price on the market.
Get a free quote by calling our agents at the number above. On average, we help riders save 40% on their premiums.
Missouri Motorcycle Insurance Requirements
In Missouri, motorcycle insurance isn’t just recommended—it’s required by law. Before you can register your bike, you must have a policy that meets the state’s minimum coverage requirements:
- $10,000 in property damage coverage per accident
- $25,000 per person for bodily injury or death
- $50,000 per accident for bodily injury or death
- $25,000 per person and $50,000 per accident for uninsured motorist coverage
Underinsured motorist coverage is optional but helps cover medical costs if the at-fault driver’s policy falls short.
Furthermore, Missouri requires medical payments coverage unless you waive it, and you must carry proof of insurance, such as an insurance card or receipt.
When registering your motorcycle, you must sign an affidavit confirming continuous coverage.
MO Bike Laws
Not having proof of insurance when asked can lead to penalties. You could be placed under state supervision, receive four points on your driving record, or even have your license suspended.
If you're caught riding without insurance altogether, the consequences are more severe. You’ll face an automatic license suspension, costly fees, and may be required to file an SR-22 for three years if you're involved in an accident.
Staying insured isn’t just about following the law—it’s about protecting yourself and others on the road. Make sure you have the right coverage in place before you ride.
Keep in mind that Missouri motorcycle insurance requirements aren’t the only laws riders must abide by. There are several rules of the road you’ll need to understand to keep everyone safe on the road:
- Missouri law requires motorcycle operators and passengers under 26 to wear a helmet. Riders with an instruction permit must wear one regardless of age.
- A motorcycle endorsement is required, obtainable at 18 with a driver’s license, written and road tests, and licensing fees.
- While lane splitting isn't explicitly banned, it can result in a ticket if the action is deemed unsafe.
- Only motorcycles, including motor scooters like Vespas, require registration and insurance. Vehicles with automatic transmission, under 55cc engines, less than three brake horsepower, and speeds under 30 mph are exempt.
What Is the Best Motorcycle Insurance in Missouri?
Riders have so many great options from top-rated carriers offering MO motorcycle insurance. The best policy is going to have the coverage you need at the lowest price possible from a carrier that you can trust.
Because different riders have different risks and personal factors affecting their protection needs and premiums, it’s important to enroll in policies offering personalized coverage.
Below are some of the more common coverages riders rely on. Speak with an agent about your risks and find coverage that protects you no matter what comes your way:
Comprehensive and Collision Coverage
Comprehensive and collision coverage is optional unless you’re financing or leasing your bike, in which case, your lender or dealer will likely require it as a term and condition of your agreement.
Comprehensive, theft, vandalism, weather, and other non-collision damage are covered, while collision coverage covers damage from crashes, regardless of fault.
Even if your bike is paid off, these protections can help safeguard your investment and financial assets.
Vintage Motorcycle Insurance
Your classic motorcycle or scooter deserves insurance that fits its unique needs. If your bike is 25 years or older, regular coverage might not be the best option for your risks or budget.
Classic motorcycle insurance can protect your bike from accidents, theft, and unexpected damage using familiar coverages, such as liability, collision, and comprehensive, but is geared personally for older models.
Even if your classic isn’t on the road daily, having the right insurance ensures it stays protected. Get coverage that keeps your vintage ride safe and secure without breaking the bank.
Medical Payments Coverage
Also known as MedPay, both you and your passengers are covered for medical bills following an accident, with limits typically set between $1,000 and $10,000.
You can choose to explicitly waive this coverage in some cases, but you should prepare to pay out of pocket for hefty medical costs when doing so.
Furthermore, personal injury protection (PIP), or "no-fault insurance," is also an option and can even cover things like lost wages stemming from motorcycle-related injuries.
Motorcycle Repair Insurance
Mechanical breakdown insurance, also called motorcycle repair insurance, helps cover unexpected repair costs. Acting like an extended warranty, it ensures certain mechanical failures are covered.
Depending on your policy, you may need to pay a deductible for each repair visit, making it a great option for riders looking to avoid surprise repair expenses.
Roadside Assistance
If your bike breaks down near a public road, our roadside assistance will tow it to the nearest repair shop at no cost. Add trip interruption coverage to help cover food, lodging, or transportation expenses if you're stranded far from home.
Original Equipment Manufacturer (OEM) Parts
OEM endorsement ensures your motorcycle is repaired with original manufacturer parts.
This optional coverage guarantees that repairs use parts made by the same company as your bike, maintaining its quality and performance.
When available, your policy applies to components like headlights, engines, and other essential parts.
Motorcycle Accessory Coverage
Standard motorcycle insurance may not cover custom parts or accessories, but optional motorcycle accessory coverage can help protect your upgrades.
This coverage pays to repair or replace custom paint, wheels, seats, saddlebags, windshields, chrome, handlebars, and even some riding gear.
Note: Comprehensive or collision coverage is usually required to add this protection.
Motorcycle Insurance Discounts in Missouri
Saving on motorcycle insurance in Missouri is simple with the right strategies. Discounts are available for early quotes, bundling policies, having a motorcycle endorsement, completing a safety course, and more.
Safe riders with a clean record for three years can save even more, and paying in full or using automatic payments also helps reduce costs.
If you're a safe driver with a clean record, raising your deductible lowers premiums and could be a great option; however, you need to be prepared to cover larger out-of-pocket costs after an accident if you do so.
Furthermore, avoiding unnecessary coverage on older bikes and modifications that increase rates also helps you save on premiums.
Our agents help riders compare discounts from multiple carriers to ensure they receive the lowest premiums for their policies. Contact us today to save more on coverage.
