COMMON QUESTIONS

• Is motorcycle insurance required?

  Yes, in almost every state. If you live in Florida or New Hampshire, you can skip insurance if you can prove financial responsibility.

• How much is motorcycle insurance per month?

  Jerry users have been paying $9–$32 per month for liability-only coverage or $15–$80 per month for full coverage in the last 12 months. Your actual cost depends on your state, motorcycle type, driving record and coverage level.

• Does motorcycle insurance cover passengers?

  Not always. Many standard policies don’t cover injuries to your passenger. You may need to add guest passenger liability coverage to protect yourself from being personally responsible for your passenger’s medical bills.

• Can I use my car insurance for my motorcycle?

  No. You need a separate motorcycle insurance policy.

• What’s the difference between motorcycle insurance and car insurance?

  Motorcycle insurance works similarly to car insurance but includes unique coverages like guest passenger liability. It’s typically cheaper than car insurance because motorcycles cost less to repair.

• Do I need full coverage on an older motorcycle?

  Not necessarily. If your motorcycle is worth less than $3,000, the cost of full coverage will likely exceed the bike’s value.