Best Motorcycle Insurance in Indiana

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Contributor, Benzinga
August 17, 2020

The Hoosier State has an incredible motorcycle culture. With so many bikes on the road, it's important to find the best motorcycle insurance in Indiana. It’s also a state requirement to have motorcycle insurance that will protect you from the detrimental financial consequences of an accident.

Our guide breaks down the motorcycle insurance fine print to help you understand Indiana’s minimum liability requirements, traffic laws and more.

Indiana Motorcycle Insurance: An Overview

Indiana state law requires that all riders maintain insurance coverage. The average cost of motorcycle insurance with a clean driving record is $606 per year.

Indiana liability insurance minimum coverage requirements are as follows:

  • $25,000 bodily injury for 1 person in an accident
  • $50,000 bodily injury for more than 1 person in an accident
  • $25,000 for property damage per accident
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  • Low mileage riders
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Mile-by-Mile Motorcycle Coverage in Indiana: VOOM Motorcycle Insurance

While it would be nice to hit the open road year-round, many motorcycle enthusiasts have to store their bikes for weeks and even months throughout the year, especially if you live in a state with extreme winters or too-hot summers. This can mean paying high insurance costs for your bike even when you’re unable to use it.

VOOM pay-per-mile motorcycle insurance offers a solution to this quandary. With VOOM, you’ll pay a low monthly base rate + a per mile rate based on your miles ridden. Your rate is determined by a few different factors, like the make and model of your motorcycle. Tracking your mileage is super easy with VOOM -- each month, you’ll submit a photo of your odometer, and that’s it. You don’t have to add a physical device or download an app to track your riding.

The offering does not require a physical device or mobile app to track mileage or behavior. Instead, riders must submit a photo of their odometers every month.

Managing your policy online is simple with VOOM. And riders can access a variety of other coverage options, too. Qualified riders may have the following coverage options available to them:

  • Liability coverage
  • Comprehensive coverage
  • Medical payments
  • Collision coverage
  • Uninsured motorist coverage
  • Accessory coverage 

VOOM is especially perfect for motorcyclists who ride occasionally or have to store their bike for long periods of time throughout the year due to seasonality or other factors. And if you’re a lover of short rides, VOOM will work for you, too. VOOM lets riders customize their insurance throughout the year and only pay for the time they ride.

VOOM is currently available to riders in Arizona, Illinois, Ohio and Indiana.

Indiana Motorcycle Insurance Law Explained

You require proper proof of insurance or financial responsibility to register and title your bike. The easiest way to prove financial responsibility on your motorcycle is obtain liability insurance via a state-licensed insurance company. You can also prove financial responsibility through a trust fund, a deposit with the state treasurer or a bond issued by a surety company.

Indiana follows a 25/50/25 plan for liability insurance. A lapse or cancellation of your motorcycle insurance policy could result in lost driving privileges and bike registration. You’ll receive a 90-day suspension for your 1st offense.

Indiana law doesn’t require helmet or protective eyewear requirements for riders over 18 years. However, riders below 18 years of age must use protective gear. Indiana is an “at-fault” state, so you’re responsible for any medical costs or property damages that exceed your insurance limits.

You’re encouraged to seek out coverage that goes beyond the bare minimum, like full coverage insurance. Other insurance options include:

  • Medical payments: This optional coverage pays medical bills for the rider and passengers in an accident. Coverage is provided irrespective of fault.
  • Comprehensive coverage: Comprehensive coverage pays for damage caused by anything else other than a collision, including a bird strike, explosion, earthquake, fire, hail or vandalism.
  • Collision coverage: Collision coverage covers losses caused by an impact with another object or vehicle.
  • Roadside assistance coverage: This covers towing services if your motorcycle has a mechanical breakdown, flat tire, requires emergency delivery of fuel and more.
  • Accessory coverage: This includes physical damage coverage at no extra cost on your bike’s customized parts, equipment and paint.

Always have a copy of your insurance information every time you ride. You should easily be able to show proof of insurance when requested by law enforcement or other officials.

Indiana Motorcycle Traffic Laws You Should Know

You must have an Indiana certificate of title, registration card and license plate to operate a bike in Indiana. The registration fee is $26.35 per year. You must also have a driver’s license with a motorcycle endorsement. You can transfer your motorcycle endorsement from another state by passing the motorcycle knowledge test.

Here are other laws governing the use of motorcycles on Indiana roads. Violating them could strip you off your driving privileges.

  • Motorcycle license: You must obtain a motorcycle endorsement of your driving license if you’re over 16 ½ years old and want to start riding. You can obtain an endorsement by either providing proof of successfully completing a Ride Safe Indiana-approved motorcycle operator education course or pass your motorcycle-riding knowledge exam. You may also need to undergo a vision screening test.
  • Riding restrictions: You’re only allowed to operate a bike or ride as a passenger in an astride position on the seat or saddle. You can’t carry a bundle or package that prevents you from having both hands on the handlebars as you ride.
  • Passengers: Your bike must be fitted with a firmly attached seat and separate foot rests for use by your passengers. Your passenger shouldn’t sit in a position that interferes with your control or operation of the bike.
  • Required equipment: Your bike must have certain features or pieces of equipment to ensure the safety of riders and other road users. These pieces of equipment include mirrors, brakes, turn signals, taillights and mufflers, among others.
  • Headgear and goggles: Drivers or passengers under 18 years of age must wear protective headgear that meets the standards set by the bureau. You’ll also need goggles, protective glasses or a transparent face shield.
  • Headlamp use: Headlamps must remain illuminated any time the bike is in operation.
  • Handlebar height: Handlebars shouldn’t be higher than your shoulder height when you’re seated on the driver’s seat.
  • Lane use: You are entitled to full use of a traffic lane and shouldn’t deny another vehicle full use of the lane. Two riders may operate abreast in a single lane.
  • Renting a motorcycle. You can’t rent or lease your bike to a person who isn’t regularly licensed to operate a bike by the state.

Indiana Motorcycle Insurance Rates per Bike

It will cost you approximately $606 per year to insure a bike in Indiana. But how do motorcycle insurers determine your insurance rates? 

Most of them base their premium calculations on statistical data that helps determine your likelihood of filing a claim. Some of the factors they consider when determining your insurance rates include:

  • Age and gender
  • Location
  • Driving record
  • Claims history
  • Annual mileage
  • Credit score

You’ll be treated to better insurance rates if you have a clean driving record, a great credit score, have no previous insurance claims or are an older, more experienced driver. The type of bike you own also has an impact on your insurance rates.

Whether you own a touring bike, a sports bike, scooter or custom bike, the insurance rates will differ. For instance, sportbikes are designed for high-speed riding and will cost more to insure compared to a touring bike. 

The bike brand and manufacturer also affect your insurance rates. You’ll pay a higher premium if you own a bike from prominent brands like Harley-Davidson, Honda, Yamaha and Suzuki.

Engine capacity will affect your premiums as well. A higher capacity engine means you’re riding on a powerful bike with a higher risk of crashing or being flagged for speeding. Your insurance rates will be higher as well. Your insurance premium will be higher if you own an old classic or a custom bike since you must obtain coverage for additional parts and accessories on your bike.

Motorcycle Insurance Quotes in Indiana

Here are 1-year policy quotes from top motorcycle insurance providers in Indiana.

CompanyQuote for a 1-year policyPrice Rating
American Modern$9023
State Farm$5984

Motorcycle Insurance Discounts

Aside from comparing quotes, you can cut 5% to 20% or more off your policy quoted rates if you  Discounts popular among motorcycle insurance companies include:

  • Preferred operator discount: This discount is available to applicants with a motorcycle driving license, are 26 years old or older and have a clean driving record.
  • Transfer discount: This discount is applied to any policy that transfers coverage from a different insurance provider. Your coverage must not have exceeded the 180-day lapse period. Your previous policy number is needed.
  • Multiple bike discount: The discount percentage usually varies depending on the number of bikes and riders listed on the policy.
  • Loyalty discount: This discount is available to those who renew policies without a lapse in coverage.
  • Claims-free discount: You’ll save money on your insurance policy if you go claims-free for a specific period, like 5 consecutive years.
  • Anti-lock brake discount: This discount is applied to all bikes fitted with anti-lock brakes. The discount automatically takes effect based on the Highway Loss Data Institute (HLDI) database.
  • Rider experience discount: A discount is applied on policies with operators who have a minimum of 3 years road-riding experience.
  • Riding group discount: You’ll earn a discount on your policy for an affiliation with riding groups such as Harley-Davidson Owners Group, Honda Riders Club of America, American Motorcycle Association and more.
CompanyDiscounts OfferedOverall Rating
AmicaMultiple bike discount, homeowner discount, anti-lock brake discount and an anti-theft discount4.0
American ModernMultiple bike discount, homeowner discount, transfer discount, safety course discount and claims-free discount4.0
EsuranceMultiple bike discount, loyalty discount, homeowner discount, riding group discount, claims-free discount, rider experience discount, smart rider discount, anti-lock brake discount, anti-theft discount, safety course discount and motorcycle driver’s license discount4.3
GEICOTransfer discount, multiple bike discount, loyalty discount, homeowner discount, rider experience discount, anti-theft discount and a safety course discount5.0
State FarmMultiple bike discount, homeowner discount, claims-free discount, anti-theft discount and a safety course discount4.7

Best Motorcycle Insurance Providers in Indiana

Indiana residents have numerous options when it comes to buying motorcycle insurance. This includes national insurance providers that also provide motorcycle coverage as well as specialty providers that only insure riders. Factors you may want to consider in a carrier include the strength of its coverages, ease of filing claims and its track record of handling claims.

Compare these leading motorcycle insurance carriers in Indiana today.

Start Your Motorcycle Insurance Policy Today

Insuring your motorcycle shouldn’t be complicated and there’s no waiting period to get coverage. You can get the best rates by comparing quotes online, talking with people who have insured their bikes before or visiting a few local insurance agents.

Make sure you at least meet the state minimum insurance requirements — though it may not be sufficient in some instances. Talk with your provider about the obligations you must meet and the coverage types you may or may not require. Don’t forget to inquire about discounts for which you may be eligible.

Money-saving Motorcycle Insurance

Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support. 

You can get Harley-Davidson Insurance today with a free, quick quote.