Motorcycle Insurance in Missouri

Whether you ride a sport bike or a cruiser, having the right motorcycle insurance is important to protect yourself, your bike, and others on the road. At Morehead Agency in Lee's Summit, MO, we help Missouri riders explore insurance options tailored to their needs. From legally required coverage to full protection, our knowledgeable agents are here to guide you toward smart motorcycle insurance choices.

What Motorcycle Insurance Policies Are Available?

Motorcycle insurance includes multiple types of coverage to protect riders, their bikes, and their financial assets. Policies available include:

• Liability Coverage: Required by law, this covers property damage and medical expenses if you're at fault in an accident.
• Collision Coverage: Helps pay for repairs to your motorcycle after an accident, regardless of who is at fault.
• Comprehensive Coverage: Protects your bike against non-collision incidents such as theft, vandalism, or weather-related damage.
• Uninsured/Underinsured Motorist Coverage: Covers medical and damage expenses if a driver hits you without adequate insurance.
• Accessory Coverage: Offers protection for added gear or custom modifications to your motorcycle.

What Is Legally Required in Missouri?

Missouri requires motorcycle riders to carry liability coverage for bodily injury and property damage. This minimum coverage protects others in the event of an accident but doesn't cover repair costs for your bike or provide protection against uninsured drivers. Full coverage options, including collision and comprehensive insurance, offer broader protection to safeguard your motorcycle investment.

Benefits of Full Coverage

Full coverage motorcycle insurance provides peace of mind by ensuring your bike is protected against a wide range of risks. If an accident occurs, full coverage can help cover the costs of repairs or replacement for your motorcycle. Additionally, comprehensive and collision insurance protect against theft, weather damage, or other unexpected incidents, making it ideal for riders who want heightened security for their investment.

Sport Bikes vs. Cruisers: Coverage Differences

Sport bikes and cruisers often have different risk profiles, which can affect insurance premiums and coverage needs. Sport bikes, known for their speed and performance, may have higher premiums due to increased risk factors. Cruisers, designed for relaxed road trips, may have lower premiums while still requiring coverage for liability, theft, and damage. At Morehead Agency, we help Missouri riders tailor their policies to their specific bike type and usage.

Contact Morehead Agency for Motorcycle Insurance

Ready to hit the road with confidence? Contact Morehead Agency in Lee's Summit, MO, to learn about the motorcycle insurance options available throughout Missouri. Visit our Contact Us page today to ask questions or connect with an experienced agent. Let us help you protect your bike, whether it's a sport bike or cruiser.