Motorcycle
Motorcycle insurance in Washington
Washington's liability requirements apply to motorcycles just as they do to cars. Because riders are more exposed in a crash, underinsured motorist coverage and medical coverage matter even more on a bike than in a car.
Coverages that matter for riders
Short answer: Liability, underinsured motorist, medical payments or PIP, collision and comprehensive, plus coverage for riding gear and custom parts.
- Liability at least equal to your auto limits — especially if you carry an umbrella
- Underinsured motorist, which protects you from other drivers' low limits
- Custom parts and equipment for aftermarket upgrades
- Riding gear: helmet, jacket, boots
- Seasonal riding — ask how a lay-up period works for winter storage
Add the bike to the household
Short answer: Insuring a motorcycle alongside home and auto keeps liability limits aligned under an umbrella policy.
See umbrella insurance and the household coverage map.
Sources
Explanations on this page are general. Your policy documents control what is and isn't covered.
Keep exploring
- Auto insuranceWashington auto insurance explained: the 25/50/10 legal minimum, why most drivers need more, underinsured motorist and PIP, and how to get a car insurance quote locally.
- Umbrella insuranceUmbrella insurance adds $1 million or more of liability protection above your home and auto policies. What a personal umbrella policy covers, who needs one, and how much to buy.
- Boat insuranceBoat insurance for Puget Sound and Washington lakes: hull damage, liability, trailers, towing and storage. Why a homeowners policy usually isn't enough.
- Home + auto bundleBundle home and auto insurance with a local Federal Way agent. When bundling saves money, when it doesn't, and how home + auto + umbrella work together.
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