Kansas motorcycle insurance at a glance: Minimum liability: 25/50/25 UM/UIM: Required PIP: Rejectable for motorcycles Helmet: Under 18 only Lane splitting: Illegal 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 …
Arizona motorcycle insurance at a glance: Minimum liability: 25/50/15 3,036 motorcycle crashes (2024) 219 motorcyclist deaths (2024) First uninsured penalty: $500 What does the Arizona minimum actually mean? The 25/50/15 limits represent $25,000 for one person’s injuries, $50,000 for multiple people in one crash, and $15,000 for property damage. This covers the other person’s losses …
Oregon motorcycle insurance at a glance: Minimum liability: 25/50/20 Required PIP: $15,000 Required UM BI: 25/50 Helmet: Required Lane splitting: Illegal Oregon’s minimum motorcycle insurance is broader than most riders expect. To ride legally on public roads, Oregon does not stop at 25/50/20 liability. The state also requires $15,000 in personal injury protection (PIP) and …
South Carolina motorcycle insurance at a glance: Liability minimum: 25/50/25 UM required: Yes, at same limits 2026 reinstatement fee: $700 SR-22: 3 years required 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 …
Virginia motorcycle insurance at a glance: 50/100/25 Required UM/UIM Mandatory No Fee-to-Skip Option Virginia is no longer a “pay the fee and stay uninsured” state. The old uninsured-vehicle fee option ended on July 1, 2024, and DMV now says a Virginia-registered vehicle has to carry qualifying liability insurance instead.[1, 5] For motorcycle policies effective on …
Kentucky Motorcycle Insurance at a Glance Minimum: 25/50/25 Single Limit: $60,000 No BRB Required 1,665 Crashes in 2024 Kentucky has one of the stranger motorcycle-insurance setups in the country. The Commonwealth is a no-fault state for motor vehicles generally, but a motorcycle can be legally registered with liability-only coverage. Under KRS 304.39-110, a bike satisfies …