We cover cruisers, sport bikes, touring, scooters and custom builds from Reno to Carson City. We include coverage for your helmet, jacket and personal gear — something many agencies skip. Free quote in English or Spanish, no commitment.
What's covered
Motorcycle insurance isn't the same as auto. Your personal gear costs more, losses tend to be more severe, and there are specific coverages most agencies forget to offer. Here's what we include:
Covers damage you cause to others (people or vehicles). Nevada requires the same 25/50/20 as auto, though we recommend higher limits due to the typical severity of motorcycle accidents.
Repairs your bike if you collide with another vehicle or object, regardless of fault. Essential if your bike is worth more than $5,000 or you're still paying it off.
Protects against theft (common on bikes), vandalism, fire, hail, glass and animal collisions. Motorcycles are more vulnerable to theft than cars — this coverage is almost mandatory.
Covers helmet, leather jacket, gloves, boots, intercom systems, GPS and accessories. Typically $1,000-$5,000 of coverage. Quality full gear can exceed $2,000 — without this, you pay.
If you modified your bike (exhaust, wheels, custom paint, seats) standard coverage only pays the value of original parts. Custom Parts and Equipment covers the real value of your modifications.
Covers your passenger if you have an accident together. Critical if you ride two-up with family. Some carriers include it, others charge separately — we always flag this.
Bike types
A sport bike pays more than a cruiser for statistical reasons (higher speeds, more claims). We give you typical ranges so you know what to expect:
Specific situations
Three typical rider situations that generic carriers handle poorly or overcharge for:
November to March the bike sleeps in the garage. With "lay-up coverage" you keep comprehensive (theft, fire) but drop collision and liability. Save 40-60% during 4-5 months per year.
Ask us →For customized Harleys, restored classics or personal builds worth more than blue book. You need Agreed Value Coverage — we lock in the exact amount you'll receive if something happens.
Call →Young rider motorcycle rates are the highest. Carriers specialized in young riders + MSF course (Motorcycle Safety Foundation) can drop your price by up to 25%.
Quote my bike →How to quote
Quoting a bike is fast if you have make/model details handy. We do it in under 15 minutes:
Make, model, year, VIN if handy, modifications, year of your M endorsement. If you have a certified MSF course, bring it — discount guaranteed.
We run your data through 5+ motorcycle-specialized carriers (Dairyland, Progressive, Foremost, etc). We explain the top 2-3 options and their real differences.
You choose, pay first month, policy active instantly. Digital insurance card in your inbox in minutes. If you already have active coverage, we cancel the old one with no gap.
FAQ
If your question isn't here, call us. We speak rider language, not desk jockey jargon from people who never threw a leg over.
Free Quote
No obligation, no hidden fees. The best insurance in Nevada at the lowest guaranteed price.