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Motorcycle Insurance in Delaware County, PA

Coverage for the riding season, credits for the storage season, and a tort rule that treats riders differently from drivers.

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For riders

A bike is not a car with two fewer wheels

Motorcycle insurance covers your liability to others, your bike, and optionally your own injuries, with policy mechanics that differ from auto in ways that matter. For riders across Delaware County, the differences worth knowing are the tort rule, medical coverage, and what happens to custom parts.

Pennsylvania requires liability insurance to ride on public roads, at the same minimums that apply to other motor vehicles: $15,000 per person and $30,000 per accident for bodily injury, plus $5,000 in property damage. Those limits were set with fender benders in mind, and a motorcycle loss rarely resembles a fender bender. Most riders we insure carry meaningfully more.

The season shapes the product too. Carriers price for lay-up months, discount stored bikes, and treat chrome, paint, and aftermarket parts as their own category with its own sublimit.

What is covered

What a motorcycle policy includes

The standard pieces, plus the ones that only matter on two wheels.

Liability

Injuries and property damage you cause while riding, at the limits you choose above the state minimums.

Uninsured and underinsured motorist

The coverage that pays when the driver who hits you carries too little insurance or none. For riders, often the policy’s most important line.

Collision and comprehensive

Damage to the bike itself, from crashes, theft, fire, and weather, subject to your deductible.

Medical coverage, optional

Motorcycle policies do not automatically carry the medical benefits auto policies do. Adding medical payments coverage is a deliberate choice worth making.

Custom parts and equipment

Chrome, exhaust, bags, and paint beyond factory spec sit under a separate sublimit that custom builds outgrow quickly.

Roadside and trailering options

Towing, roadside assistance, and transport add-ons for bikes that travel further than the county line.

Cost

How much is motorcycle insurance in Delaware County?

There is no honest single number. Motorcycle premiums swing on engine size, bike value, rider age and record, annual mileage, storage, and how much uninsured motorist coverage you carry, and the spread between a commuter cruiser and a new sport bike is enormous.

What we can say concretely: liability-only coverage on a modest bike is inexpensive, seasonal lay-up credits reduce the storage months, and the cost of raising liability and uninsured motorist limits is usually smaller than riders expect. The most useful number is a real quote, which takes one conversation and the bike’s VIN.

Many carriers also discount for a completed safety course. Whether yours does, and by how much, is a quoting question rather than a promise, so we check it carrier by carrier.

The Pennsylvania layer

Pennsylvania motorcycle insurance requirements

Riding on public roads requires liability coverage of at least $15,000 per person, $30,000 per accident, and $5,000 in property damage. The tort election that governs car policies works differently for riders, and the difference runs in your favour.

Pennsylvania’s limited tort election, which trades away the right to sue for pain and suffering in exchange for a lower auto premium, binds occupants of private passenger motor vehicles. The statute restores full tort rights to an individual injured while an occupant of a motor vehicle other than a private passenger motor vehicle. A motorcycle is not a private passenger motor vehicle, so a rider hurt on their bike generally keeps full tort rights even when their household auto policy elected limited tort.

Medical coverage is the other structural difference. The first-party medical benefits that attach automatically to auto policies do not carry over to motorcycles, which is why we treat medical payments coverage as a default recommendation on bike policies rather than an extra.

Sources: Pennsylvania Insurance Department minimum limits; 75 Pa.C.S. § 1705(d) tort election text. Verified August 2026.

Read this part

What motorcycle insurance does not cover

The gaps that surface most often in real claims, not the theoretical ones.

Custom parts above the sublimit. Standard policies include a modest allowance for accessories. A build with serious chrome, performance work, or custom paint needs the sublimit raised to match receipts.
Track days and racing. Organised speed events are excluded on standard policies, including practice sessions. Track coverage exists as its own product.
Riders not on the policy. Lending the bike to an unlisted rider can leave a claim contested. List the people who actually ride it.
Medical bills, unless you bought medical coverage. The auto-policy safety net does not exist here by default. This is the exclusion that surprises riders hardest.
Gear, partially. Helmets and riding gear are covered differently by carrier, and cheap policies often skip them. Worth asking about specifically.
Winter damage in unheated storage, sometimes. Comprehensive usually responds, but storage terms and lay-up declarations matter. Declare the storage honestly and the credit is real.

Why independent

Riders get quoted like statistics. We quote the actual bike.

Motorcycle appetite varies more between carriers than almost any personal line we write. One carrier prices cruisers gently and sport bikes brutally, another does the reverse, and a third wants nothing over 600cc regardless of the rider. A single-carrier agent cannot show you that spread, and a national call centre will not spend ten minutes on your storage arrangements to earn you a credit.

We place bikes across our carriers alongside the household’s auto insurance in Drexel Hill, PA, where multi-policy discounts usually apply, and riders with real assets add umbrella insurance in Delaware County above the stack once the underlying limits qualify. The whole picture gets compared, not just the bike, the same way we place insurance across Delaware County for households with more moving parts than average.

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alt: “Motorcycle insured by an independent agency in Delaware County, PA” ]

Questions

Common questions

Is motorcycle insurance required in Pennsylvania?

Yes, on public roads. The minimums match other motor vehicles: $15,000 per person and $30,000 per accident in bodily injury liability plus $5,000 in property damage. Riding uninsured risks registration suspension and personal liability for everything above zero.

Can I suspend coverage over winter?

Carriers handle winter with lay-up periods and storage credits rather than cancellation, which keeps comprehensive protecting the stored bike against theft and fire. Cancelling outright creates a coverage lapse that costs more at renewal than the credit saves.

Does my policy cover custom parts?

Up to a built-in sublimit, yes. Beyond it, custom parts and equipment coverage must be raised deliberately, with receipts or photos supporting the value. Tell us what is actually on the bike and we will match the number.

Does a safety course lower my premium?

Often, and it never hurts. Discounts for completed safety courses are carrier decisions rather than a statutory guarantee, so we check each carrier when quoting. The course itself is worth taking regardless of the discount.

Am I covered riding someone else’s bike?

Sometimes, thinly. Liability may follow you onto a borrowed bike, but damage to the bike itself usually belongs to its owner’s policy, and gaps between two policies are common. Ask before the ride, not after the claim.

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