Motorcycle & ATV · North Carolina
North Carolina has some of the best riding in the country, from Parkway sweepers to farm trails. Cover the bike, the gear, and yourself before the next one.
A bike policy borrows the shape of an auto policy, then adds the pieces riders actually ask about.
North Carolina motorcycles carry the same minimums as cars, which now means 50/100/50 on every new or renewed policy.
Required in NCRepairs or replaces the bike after a wreck, whoever caused it. Financed bikes need it for the lender anyway.
RecommendedBikes get stolen more than cars do. This covers theft, plus fire, vandalism, and the tree limb that finds it in a storm.
RecommendedA driver's mistake that dents a car door can put a rider in the hospital. UM/UIM comes with every NC policy now, and on a bike it earns its place.
Required in NCSaddlebags, custom exhaust, the helmet and jacket you ride in. Optional coverage for what's bolted on and what's zipped up.
OptionalFour-wheelers and side-by-sides usually fall outside your homeowners policy once they leave your property. Their own policy closes that gap.
AvailableThe rules that shape a North Carolina rider's policy, straight from the statutes.
Motorcycles follow the same liability minimums as cars in North Carolina: $50K per person, $100K per accident, $50K property damage since July 2025. Source: North Carolina Department of Insurance.
North Carolina requires an FMVSS-218 compliant helmet for every operator and passenger, no age exceptions. Source: N.C. Gen. Stat. § 20-140.4.
The same all-or-nothing fault rule that applies to cars applies to bikes, and riders are the ones who get blamed. Strong limits on your own policy are the answer. Source: NC General Statutes.
Piedmont winters are short. Most Triangle riders are out from late February through Thanksgiving, which makes lapsing coverage over winter more trouble than it saves. Local knowledge.
A few questions about you and the bike, and the number comes back in minutes.