Motorcycle Insurance/ Off-Road Insurance

Ride like the wind with a Guardian watching over you.

Not everyone is an easy rider when it comes to riding. Motorcycles are also vulnerable to accidents. It is vital that basic insurance plans are provided for you to be covered. All motorcycle riders need special motorcycle insurance. Just as in the case of cars, motorcyclists too cannot ride their bikes on highways or public roads without insurance, if you fail to insure your motorcycle then you would be liable for negligence. Not all insurance companies offer motorcycle coverage.
We are continually adapting to the ever-changing world of motorcycle insurance. Our goal is to find motorcycle enthusiasts the best prices, policies and continue to support the motorcycle community. Ride with a peace of mind when you’re on the open road. Start building your policy today with Guardian Plus motorcycle insurance quote, and check out our affordable motorcycle insurance rates.


We accept a wide variety of motorcycles and ATVs, including:

  • ATV-Off Road Vehicles
  • Classic Bikes
  • Custom Cycles
  • Cruisers
  • Dirt Bikes
  • Motocross
  • Mopeds
  • Scooters
  • Snowmobiles
  • Sport Cycles- High Performance
  • Standards
  • Trike Conversions
  • Touring Bikes
  • And more!

Motorcycle Insurance Coverage

Whether you own a Vespa or one of a kind Harley-Davidson, we’re here to find the right policy. You can choose how much and what kind of coverage your bike needs. We offer bikers more protection and more value with our policies with many coverage options including increased limits of liability, uninsured motorist, and accessory coverage. Our goal is to help you pinpoint the coverage options that best match your lifestyle and budget.

Protect your bike with the following types of motorcycle insurance coverage

Collision Motorcycle Coverage:

Provides coverage for your motorcycle on loss and damages caused by a collision with another vehicle and/or object. This covers the costs of custom parts and accessories, including the replacement of helmets, saddlebags, backrests, seats, chrome pieces and CB radios.

Comprehensive Physical Damage Motorcycle Coverage:

Pays for covered losses or damages resulting from incidents other than collision – such as theft, vandalism, glass breakage, falling objects, fire, flood or other covered disasters.

Bodily Injury and Property Damage Liability:

Insures you against certain damages if they injure or kill someone while operating their bike, up to the limit of liability you select; this coverage also provides a motorcyclist with a legal defense if another party in an auto accident files a lawsuit against you.

Uninsured Motorists Coverage:

Provides coverage when you or your passenger is injured in an accident caused by a person or a hit-and-run driver who does not have insurance, or does not have enough financially responsibility to cover your damages. This option will cover expenses for bodily injury/property damage sustained by you and your passengers that is not your fault.

Medical Payments Motorcycle Coverage:

Provides coverage for you, your family, or occupants of your motorcycle for medical care and funeral expenses incurred by you and certain others insured under your policy as a result of bodily injury or death caused by an accident regardless of who is at fault.


Covers emergency towing costs (up to the limit selected) when your covered motorcycle cannot be driven.

When you’re out riding, the last thing you want to worry about is whether you have the right insurance policy. Be the king of the road with Guardian Plus motorcycle coverage. No worries, no hassles.