If you just bought a new bike and need cheap coverage, Direct Auto sells more than just basic liability insurance for every budget. Let’s take a deeper dive into all coverage options for your scooter, cruiser, moped, or electric bike with Direct Auto motorcycle insurance.

Does Direct Auto offer motorcycle insurance?

Yes—Direct Auto Insurance sells motorcycle coverage starting with simple

liability coverage

in 12 states, including

Georgia

Texas

, and

Virginia

To get a motorcycle insurance quote from the

Tennessee

-based auto insurance company, all you have to do is call 1-877-GO-DIRECT (1-877-463-4732) and give the representative your motorcycle’s make, model, year, and vehicle identification number (VIN). You can also retrieve an online quote through the

Direct Auto website

with just your email, last name, and birthdate.

MORE:

How to get motorcycle insurance without a license

Cost

The cost of a Direct Auto motorcycle insurance policy is based on many factors, such as your type of motorcycle, riding experience, motorcycle value, age, credit score, and driving record. Additionally, your insurance provider will also review your history of accidents and insurance claims. You could look at paying an average of $60 per month for motorcycle coverage.

Coverage options

Direct Auto provides numerous add-on coverage options to customize your motorcycle insurance policy to your exact needs. Policyholders can opt for basic liability coverage or go all out with

full-coverage insurance

options depending on their preferences.

Let’s check out the table below to see what your coverage options are at Direct Auto Insurance.

Coverage	Description	Example	Included automatically?	Do I need it?
Bodily injury liability coverage	If you’re at fault in an accident, this coverage pays for the injuries of others.	You run through a stop sign and crash into another rider, who sustains severe road rash. Direct Auto covers their medical expenses up to your policy’s limit.	No	Probably. Bodily injury liability is required by law in most states.
Property damage liability coverage	If you’re at fault in an accident, this coverage pays for repairs to other drivers’ property.	You accelerate too quickly and crash into another rider, causing great damage to their bike. Direct Auto will pay for the cost of repairs up to your policy’s limit.	No	Probably. Property damage liability may be required by your state’s laws.
Comprehensive coverage	This coverage will pay for the loss or damage to your motorcycle due to theft, vandalism, natural disasters, and more.	Your bike is picked off the streets and declared a total loss. Direct Auto will pay for the actual cash value of the motorcycle after the deductible has been paid.	No	Not required by law, but it may be worthwhile if you drive a newer or high-value bike.
Collision coverage	Pays for the loss or damage of your bike if it’s damaged in a collision with another bike or object.	Another driver hits the side of your bike and damages your frame. Direct Auto covers the cost of repairs.	No	Not required by law, but it may be worthwhile if you drive a newer or high-value bike.
Motorcycle guest passenger liability	Covers medical expenses to a passenger if you’re at fault in an accident.	You lose control of your bike and your passenger suffers a broken arm. Direct Auto covers their medical expenses up to your policy’s limit.	No	Good for states where this coverage is separate from bodily injury liability.
Medical payments	Pays medical expenses for you and your passengers no matter who is at fault.	Your friend falls off your bike and breaks their collarbone. Direct Auto will pay their medical bills up to your policy’s limits.	No	Not required. But if you don’t have health insurance, this may be a good option.
Personal injury protection (PIP)	Like medical payments, PIP covers the medical expenses of you and your passengers, regardless of who is at fault.	You’re driving too fast and can’t slow down fast enough to turn a corner and fall off your bike. Direct Auto will pay your medical expenses up to your policy’s limits.	No	Not required. But if you don’t have health insurance, this may be a good option.
Uninsured motorist coverage	Pays for medical bills, loss of wages, and repairs if you get into an accident with an uninsured driver.	An uninsured driver hits and damages your bike on the road. Direct Auto will pay your expenses up to your policy’s limits.	No	Maybe. UIM is required by law in some states.
Custom parts and equipment or accessories coverage	Pays for custom parts and accessories in collision and comprehensive claims.	That new comfy backrest you just installed got destroyed in an accident. Direct Auto will pay for the cost of replacing the custom part after your deductible.	No	Not required. But it may be worthwhile if you make a lot of custom upgrades to your bike. This coverage is not available in North Carolina .
Motorcycle replacement coverage	Pays the full manufacturer’s suggested retail price for a motorcycle replacement if yours is totaled in collision and comprehensive claims.	You just purchased a brand-new motorcycle for $30,000 and totaled it one year later. Direct Auto covers the full cost of a new bike after your deductible.	No	This coverage is a good idea if you’ve just purchased an expensive new motorcycle.
Towing	Covers emergency towing costs if your motorcycle becomes undrivable.	You’re taking a weekend trip out to a secluded area when your bike breaks down in the middle of nowhere. Direct Auto covers towing costs up to your policy’s limit.	No	Not required, but worthwhile if you travel frequently.

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How to save on Direct Auto motorcycle insurance

Want to save on motorcycle insurance coverage? Of course, you do! Direct Auto offers a long list of discounts that can help you lock down lower rates on motorcycle insurance, such as:

DynamicDrive discount: Save up to 10% when you sign up for Direct Auto’s DynamicDrive program and download the Routely app to share your driving insights.

Multi-policy discount: Got

car insurance

homeowners insurance

from Direct Auto too? If so, you can save on all your policies.

Safe driver discount: If you’ve maintained a clean driving record with no accidents or violations for a certain length of time, Direct Auto will reward you with a discount on your premium.

Good student discount: Full-time students who maintain a B average may be eligible for a discount through Direct Auto.

Military discount: If you are on active duty in the military, you could save up to 25% on your insurance policy with proof of military documentation.

Safety course discount: You can get a discount on your insurance premium when you take an approved motorcycle safety course.

Payment discount: You can save up to 9% by signing up for automatic payments, paperless billing, or paying your policy in full.

Prior coverage discount: Recieve a discount of up to 25% if you have been insured with a previous insurance company for at least six months with no lapse exceeding 90 days.

MORE: Essential tips for motorcycle winter storage

The cheapest motorcycle insurance companies

If you don’t live in one of the 12 states where Direct Auto motorcycle insurance is available, you’ll have to look elsewhere for cheap motorcycle coverage. But thankfully, most top insurance companies offer motorcycle insurance coverage in all states.

Not sure where to start? Here are some of the cheapest insurance providers for motorcycle owners:

Cheapest all-around insurance:

Progressive

(about $25 to $52 per month)

Cheapest insurance for young drivers: Dairyland (about $22 to $74 per month)

Cheapest insurance for sport bikes:

GEICO

(about $28 to $51 per month)

Cheapest insurance for high-value bikes: Markel (about $35 to $69 per month)

Cheapest insurance for collectors:

Nationwide

(about $49 to $55 per month)

MORE: 10 ways to get cheap car insurance that’s actually good

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What states does Direct Auto provide insurance for?

Direct Auto provides insurance coverage in 12 states, including Arkansas, Florida, Georgia, Illinois, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, and Virginia.

Does Direct Auto cover all types of motorcycles?

No. Direct Auto doesn’t cover motorcycles used for racing, stunt jumping, speed tests, business interests, or commercial or emergency use. They also don’t cover bikes with an after-market frame, no listed NADA value, short-term leases, rentals, and motorcycles over 25 years old.

Is it cheaper to insure a motorcycle than a car?

Yes. Motorcycle insurance coverage costs about an average of $240 per year. On the other hand, the average car insurance rate costs about $1,600 per year.

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