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Pennsylvania Motorcycle and ATV Insurance

Pennsylvania Motorcycle Insurance Requirements

You could be riding across the state on I-80, or off-roading on a trail in the Poconos, but the feeling never changes. We know the wind against your face and the purr of your engine is what makes you happy. We get it. That's why NJM is committed to protecting you and your ride. We've partnered with American Modern, a nationwide provider of specialty insurance, so you can make sure your motorcycle, ATV, or golf cart is covered.

In Pennsylvania, motorcycle insurance, just like car insurance, is required to drive on public roads. The Pennsylvania Department of Transportation (PennDOT) requires that all mopeds, motor-driven cycles, and motorcycles must be titled, registered, and insured. PennDOT has created a fact sheet to help you correctly identify the types of vehicles that fall under each of these categories. PA requires motorcycle owners to have the following minimum coverages, although you are certainly able to increase the limitations to suit your needs:

  • $15,000 for bodily injury per person
  • $30,000 for total bodily injury per accident
  • $5,000 for property damage

With American Modern® insurance, you can choose from one of three types of coverage: full coverage, liability plus comprehensive, or liability only. Liability only coverage insures you for Pennsylvania's minimum liability requirements. Liability plus comprehensive includes protection for theft or damage to your bike due to fire or weather. Full coverage includes all of this plus collision coverage in the instance you are involved in an accident. In addition, American Modern offers various coverage options for your accessories.

How Much Does Motorcycle Insurance Cost?

Insurance costs for your motorcycle or ATV, just like those for your home or car, are dependent upon several factors. Your location, your age, and your vehicle all contribute to your premium. The level of coverage you choose will also affect the cost. Luckily, the average cost of motorcycle insurance in the Keystone State falls right around the national average. With American Modern, you might be eligible for discounts, such as a homeownership discount and a multi-bike discount.

What You Operate, We Insure

  • Motorcycle
  • All-terrain vehicle
  • Dirt bike
  • Golf cart
  • Low speed vehicle
  • Side-by-side
  • Snowmobile

Safety Requirements

Whether you're purchasing a bike to save money on gas or as an addition to your collection, following the necessary safety precautions is of the utmost importance. Just like becoming a skilled driver, it takes time, patience, and practice to become a skilled motorcyclist. NJM recommends taking an eligible rider course — and you might be eligible for a safety course discount, too!

It's highly advised to wear the proper riding gear when traveling to protect yourself and others. Safe driving discounts may be available to thank you for taking care on the road!

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American Modern is a registered trademark of American Modern Insurance Group, Inc. All other product names, logos, and brands described herein are trademarks or registered trademarks of their respective holders and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, NJM, or their respective products and services.

Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1).