Updated: March 27, 2026 Nevada is strict in a way many riders do not expect. The legal minimum is still only 25/50/20, but the DMV can suspend your registration for a one-day lapse, there is no grace period, and the state verifies coverage electronically through NV LIVE. That means you can be perfectly legal on …
Updated: March 27, 2026 Iowa still lets a rider satisfy the legal minimum with 20/40/15. That is $20,000 for one injured person, $40,000 total for injuries in one crash, and $15,000 for property damage. Those numbers may keep you legal. They do not buy much margin.[1] Iowa also has a few rules riders tend to …
Updated: March 27, 2026 Washington is a trickier motorcycle-insurance state than it looks. The headline rule is simple: a registered motorcycle generally needs liability coverage at Washington’s 25/50/10 minimum. The fine print is where riders get burned. Washington separately exempts motor-driven cycles and mopeds from the main mandatory-insurance chapter, requires a written reject-or-buy decision on …
West Virginia is not a state where “25/50/25 and done” tells the whole story. A legal motorcycle policy here must carry $25,000 per person and $50,000 per crash in bodily injury liability, plus $25,000 in property damage liability, and it must also include uninsured motorist coverage at the same 25/50/25 floor.[1][2][3] That is already a …
Tennessee’s legal floor for motorcycle liability coverage is still 25/50/25 in March 2026, and that sounds more protective than it really is. The problem is that Tennessee riders are dealing with a state that electronically checks insurance, estimates that roughly 15% of vehicles are uninsured, and still sees serious motorcycle crash losses year after year.[1][2][3] …
In South Dakota, the legal minimum for motorcycle liability coverage is still 25/50/25. That number is real, but on its own it does not tell you much about what riders here actually face: Black Hills traffic during rally season, open-road wind, long distances between services, deer and even buffalo near the Hills, hail and wind …