MOTORCYCLE INSURANCE REVIEWS
Texas requires motorcycle riders to establish financial responsibility. A liability insurance policy is the usual way to do that, and the state's minimum policy limits are 30/60/25: $30,000 for one person's injuries, $60,000 for everyone's injuries in one cras…
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Rhode Island’s legal minimum for a motorcycle is 25/50/25. The part riders miss is the uninsured-motorist rule: if you buy only the bare minimum, Rhode Island lets you sign an advisory notice and reduce UM/UIM bodily-injury coverage all the way to zero. It is…
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Kansas is not just a basic 25/50/25 motorcycle insurance state. It is a Kansas Automobile Injury Reparations Act state, which means the policy structure includes no-fault/PIP rules and mandatory uninsured/underinsured motorist protection, but motorcycles come…
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Arizona lets an adult ride without a helmet. It does not let you ride without liability insurance. The legal floor is 25/50/15, and ADOT’s latest statewide crash report shows why that floor is thin: 3,036 motorcycle crashes, 219 motorcyclist deaths, and 2,503…
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Oregon requires liability insurance for a motorcycle operated on public highways or premises open to the public, subject to statutory exceptions. The split liability limits are 25/50/20. Motorcycle uninsured motorist requirements also matter, but the general a…
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South Carolina’s motorcycle minimum is not just 25/50/25. The state also requires uninsured motorist coverage, allows phone-based proof issued by your insurer, and in 2026 an owner caught riding uninsured can face a $700 reinstatement amount plus an SR-22 fili…
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