The state of Pennsylvania offers some incredible riding terrain, from the Lake Erie coastline to the Pocono Mountains. Altogether, there are 18 National, State, and National Forest Scenic Byways. But don’t forget, if you want to cruise the Keystone State’s highways and byways on your bike, you’ll have to maintain motorcycle insurance coverage – it’s the law, plain and simple. At PA Motorcycle Insurance, we help riders like you get the best policy and least costly rates on the market by comparing top motorcycle insurance providers. Beginning your motorcycle insurance comparison is straightforward. Submit your zip code to get started.
Pennsylvania Motorcycle Insurance Laws
In Pennsylvania motorcycle liability insurance is required. Liability coverage protects you for covered losses up to your liability limit if you injure someone, or damage someone’s property, with your bike in an accident. The state establishes the minimum liability limits for coverage. There are 3 minimum liability caps specified:
- $15,000: Liability Coverage for Personal Injury of a Single Person in an Accident
- $30,000: Liability Coverage for Personal Injury to All Persons in an Accident
- $5,000: Liability Coverage for Property Damage
Yes, less coverage will translate to cheaper motorcycle insurance. Yet less coverage will mean higher risks that your insurance payout won’t cover your total healthcare costs if you injure or are injured by another motorist. Remember that the cost of health care and personal property often increases more quickly than legislation is changed.
With more and more motorists in Pennsylvania and across the nation driving without insurance, we encourage you to spend a little extra for Uninsured Motorist (UM/UIM) coverage. That way, you won’t be left in the lurch financially if an uninsured driver hits you on your bike.
