Erie Motorcycle Insurance
Erie motorcycle insurance offers a multitude of coverage options, so you can customize your policy for your specific needs.
Written by Matthew Lynaugh
Reviewed by Kathleen Flear
Erie sells customizable motorcycle insurance with a bunch of different coverage options and built-in protection for any damage to any equipment and accessories on your motorcycle.
If you’re in the market for motorcycle insurance that can be tailored to your exact needs and budget, Erie policies are among the most popular in the Northeast. Read on to learn all about the available coverages offered by Erie
motorcycle insurance
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes Erie offer motorcycle insurance?
Yes, Erie sells motorcycle insurance policies along with standard auto insurance.
An Erie motorcycle insurance policy is structured for 12 months so you get a full year of protection. As a policyholder, you will be granted the following standard coverage:
- Gear and safety apparel protection: Items including your helmet, eyewear, and riding boots are automatically covered.
- Special touches protection: Coverage for any custom details like paint, chrome, and saddlebags will also be included in your policy.
You can get a motorcycle insurance quote from Erie by calling (800) 458-0811 or by filling out their
online form
. No matter which way you choose to contact Erie, you will have to provide personal information, as well as details about your bike, such as its make, model, and vehicle identification number (VIN). Cost
The cost of Erie motorcycle insurance is not made public, but you can reach out for a quote over the phone or online.
Quotes are going to vary for every rider, and your age, location, riding history, motorcycle type, and previous insurance claims will all affect exactly how much you pay for Erie insurance.
Coverage options
One of the best parts of a motorcycle insurance policy from Erie is that they offer a wide variety of coverage options. Of course, they have minimum liability insurance and full-coverage protection, including
collision coverage
and comprehensive coverage
—but Erie also has attractive add-ons so you can truly make your policy yours.Browse the table below to explore all the motorcycle coverage options from Erie.
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
Pays for injuries to others in an accident you cause | You run a stop sign and crash into someone, causing them to break a bone. Erie will pay their medical expenses up to your policy’s BIL’s limit. | No | It depends on your state’s laws—BIL is legally required in most states. | |
Pays for any bike damage to the other rider in an accident you cause | You swerve into another lane and collide with another rider, damaging their bike. Erie will cover the cost of repairs up to your policy’s limit | No | It depends on your state’s laws—but is recommended regardless | |
Pays for medical expenses, bike repairs, and lost wages if you are hit by a rider without insurance | An uninsured driver of a car collides with you. If that driver cannot pay out of pocket, Erie will offset your costs up to your policy’s limit | No | It depends on your state’s laws—it is legally required in some, but not all | |
Collision coverage | Covers the cost of repairs or replacements after your bike is damaged in a collision | You lose control and crash into a telephone pole, damaging your front wheel. Erie will pay the repair bill. | No | Not legally required, but a wise investment unless your motorcycle holds very little value |
Comprehensive coverage | Pays to repair or replace your bike if it is stolen, vandalized, or damaged from severe weather | Your motorcycle was parked under a tree that was struck by lightning and the tree fell on your bike. Erie will pay to have it fixed. | No | Not legally required, but a wise investment unless your motorcycle holds very little value |
Covers medical expenses for you and your passengers no matter which rider is at fault | You get into an accident with a passenger riding behind, and they get injured. Erie will pay for their medical bills up to your policy’s limit | No | Not legally required, but a smart purchase for those who don’t have health insurance or frequently ride with passengers | |
Similar to MedPay, PIP will cover additional losses, like lost wages or even funeral costs | You crash your bike while your friend is riding on the back and they have to miss work because they are injured. Erie will recoup their lost wages. | No | Not legally required, but a smart purchase for those who don’t have health insurance or frequently ride with passengers | |
Emergency roadside assistance | Pays for any services you may need on the side of the road | You’re taking a trip down an unfamiliar highway and pop a tire. Erie will cover the cost of the tow or tire replacement after you call in for help | No | No required but a good idea for anyone who roadtrips or frequently rides in remote areas |
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How to save on Erie motorcycle insurance
Erie doesn’t offer nearly as many motorcycle insurance discounts as some of the bigger players, but here are the two that can put some money back in your pocket:
- Anti-lock brake system discount: Motorcycles with ABS technology improve safety and reduce risk on the road—and Erie will lower your rates because of it.
- Internal safety features discount: Erie appreciates safe riders, so if you own a motorcycle with safety features such as seatbelts and airbags, you could qualify for cheaper insurance rates.
The cheapest motorcycle insurance companies
There are plenty of motorcycle insurance companies other than Erie that offer great deals. The list below has our best picks for every kind of motorcycle owner:
- Best all-around: Progressive ($25 to $52/month)
- Best for high-value bikes: Markel ($35 to $69/month)
- Best for teen riders: Dairyland ($22 to $74/month)
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Is it cheaper to insure a motorcycle or a car?
A motorcycle is significantly cheaper to insure than a car, primarily because repairs are cheaper and they are less likely to cause significant damage to another person or property in a collision. The average insurance rate for a motorcycle is about $250 per year, while the average rate to insure a car is around $1,600 per year.
Does Erie offer any motorcycle insurance discounts?
Yes, Erie currently offers motorcycle insurance discounts for bikes with an anti-locking braking system, and for bikes with internal safety features, like seatbelts and airbags. Adding safety to your motorcycle lessens your risk on the road, and Erie will reward you with discounted rates.
