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Motorcycle insurance coverage in Ohio
Motorcycle Insurance

Ride away with great coverage

Motorcycle insurance for Ohio riders

Every state requires motorcycle riders to carry insurance — Ohio included. DePolo & Associates helps you find coverage that meets state requirements and matches the way you actually ride.

Owning a bike comes with real risk. From road conditions to other drivers, damage can happen — and the financial gap between minimum coverage and actual cost is where riders get hurt most. We help you build a policy that closes that gap.

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Coverage you can count on

What motorcycle insurance covers

Going above Ohio's state minimum is almost always the smarter call. Damage to the rider that exceeds policy limits leaves the rider personally responsible for the difference. The right combination of liability, collision, comprehensive, and uninsured-motorist coverage protects both your bike and your finances.

  • Liability (Bodily Injury & Property Damage)
  • Collision
  • Comprehensive
  • Uninsured / Underinsured Motorist
  • Custom Parts & Equipment
  • Roadside Assistance
FAQ

Frequently Asked Questions

What is the minimum motorcycle insurance required in Ohio?
Ohio requires the same minimum liability coverage for motorcycles as for cars: 25/50/25 — meaning $25,000 for injuries per person, $50,000 per accident total, and $25,000 for property damage. The minimum is rarely the right answer for serious riders — collision and comprehensive coverage are usually worth adding.
Do I need a separate motorcycle policy?
Yes. Motorcycles are not covered by standard auto policies. You need a dedicated motorcycle policy for any bike you ride on public roads in Ohio.
Does motorcycle insurance cover custom parts and accessories?
It can, but standard policies have limits. If you've added custom exhaust, paint, saddlebags, or other aftermarket equipment, ask about Custom Parts & Equipment coverage so the value of those upgrades is actually protected if the bike is damaged or stolen.
What if someone hits me and they don't have insurance?
That's what uninsured/underinsured motorist coverage is for. Especially on a motorcycle, where the rider absorbs more of the impact, this coverage can pay for medical bills and bike repairs when the at-fault driver can't.
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Coverage that meets Ohio requirements

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