You must never ride uninsured. In Ohio, motorcycle insurance is the law, plain and simple. Choosing the right policy is of utmost importance. It’s important to choose a motorcycle insurance policy which offers affordable premiums and sufficient coverage.
We do the groundwork for you, allowing you to compare and contrast plans from the best insurance companies – for example GEICO and Progressive – straight from your computer!
Motorcycle Insurance: Ohio Requirements
If you ride in Ohio, you are required by law to carry motorcycle insurance. What’s motorcycle liability insurance? This type of protection protects the net worth of the policyholder in the event of lawsuit or damage award granted to another in a court of law.
Below are the insurance minimums in Ohio:
- Bodily Injury Liability Limit for 1 Individual: 12.5
- Bodily Injury Liability Limit for All: 25
- Property Damage Liability Limit: 7.5
Of course, all of these amounts are in 1000s of dollars.
OH UM/UIM Insurance: Motorcycles
Recent surveys show that 15% of Ohio motorists are uninsured. Throwing a leg over a motorcycle or scooter is much more treacherous than driving a car or truck, and having to worry about all these uninsured drivers only increases the risks. Getting in a wreck with a car could cause quite a lot of damage to you and your bike. You don’t want to end up being stuck with damage payments for which you are not responsible – add uninsured motorist (UM/UIM) insurance to your coverage. This type of coverage pays for physical injuries sustained by a covered person resulting from any sort of accident with an at-fault driver who is not insured or flees the scene of the accident.