Dirt motorcycles are usually covered by motorcycle insurance, although they need have their own coverage if they are street legal.

Cheapest Dirt Bike Motorcycle Insurance

Although there are distinctions between dirt bikes and motorcycles, such as engine size and off-road performance, they are comparable enough that both types receive the same coverage and savings.

Owners of dirt bikes should consider getting insurance even if it is not legally required in their area.

The regulations for dirt bike insurance vary depending on where you reside and ride. Dirt motorcycles and all-terrain vehicles (ATVs) must be insured in some jurisdictions, such as New Jersey, if they are to be driven on public roadways. Low-speed bikes that are not street legal may nevertheless require evidence of insurance in specific situations, such as commercial sites designated for off-road vehicles.

Because dirt motorcycles may be dangerous, especially for rookie riders, we always recommend dirt bike insurance. Liability insurance can protect you if you injure or damage someone else's property while riding, and medical coverage can cover some of your own injuries.

Full coverage insurance can also assist pay for bike damage, regardless of who is at blame in an accident.

Is A Dirt Bike Equivalent To A Motorcycle?

Dirt bikes feature two wheels and an engine, making them motorcycles for insurance and registration reasons.

Dirt bikes are lightweight and optimised for off-road riding, which distinguishes them from other types of motorcycles. Many dirt motorcycles may lack sufficient engine power or safety features to be road legal. In fact, some states prohibit riding a dirt bike on public roadways.

Companies often provide dirt bike insurance as part of a motorbike insurance coverage, regardless of whether your dirt bike is street legal. Yet, some insurance firms specialise on off-road motorcycles and ATVs.

How Much Does Dirt Bike Insurance Cost?

On Average, Dirt Bike Insurance Premiums Cost $13 Per Month For Basic Coverage And $66 Per Month For Comprehensive Coverage.

Dirt bike insurance is usually less expensive than motorcycle insurance. Because dirt motorcycles are not legally permitted on public roads or highways, there are less opportunities for accidents. This is because dirt bikes, which are far less powerful than motorcycles, cannot operate at highway-safe speeds for lengthy periods of time.

The difference in engines between motorcycles and dirt bikes affects insurance costs as well. Dirt bikes for the ordinary rider often have engines ranging from 250cc to 450cc, whereas most motorcycles have engines ranging from 400cc to 1,000cc.

Cheap Dirt Bike Insurance Quotes By Company

Minimum coverage
Company Monthly rate
Geico $10
Progressive $14
Allstate $17
Full coverage
CompanyMonthly rate
Geico $54
Progressive $68
Allstate $76

Discounts On Dirt Bike Insurance

There are several methods for dirt bike riders to save money on insurance.

Although it is strongly advised that all riders wear a helmet when riding a dirt bike, helmets are not always required by law and do not qualify you for a dirt bike insurance discount.

Best cheap dirt bike insurance: Geico

Geico Offers Some Of The Most Affordable Dirt Bike Insurance Policies Available.

Geico's minimal coverage insurance costs about $115 per year for liability-only coverage, while comprehensive coverage costs about $644 per year on average. Geico has motorcycle insurance payment plans, which is a wonderful option for riders who are on a limited budget and would like not to make a huge lump-sum payment.

In addition to low dirt bike insurance premiums, Geico has one of the top insurance business mobile applications. It can help you save time on simple chores like paying bills, receiving ID cards and changing your motorbike insurance coverage.

Progressive Is The Best Brand For Custom Dirt Motorcycles.

Pros and cons

For anyone who appreciates personalising their dirt bike, Progressive provides the finest dirt bike insurance.

Progressive's base motorbike policy includes $3,000 in custom-parts coverage, with riders able to add up to $30,000 in extra coverage.

This policy also covers full replacement cost and no portion depreciation. That instance, if you are in an accident and your bike is destroyed, Progressive will pay to have it repaired with brand new components, regardless of wear and use. Few other dirt bike insurance providers provide such comprehensive coverage for custom dirt motorcycles.

Although Progressive coverage is more expensive than Geico coverage, users may take advantage of a variety of discounts to reduce dirt bike insurance costs. If you have a clean driving record, sign up for automatic payments, or seek a quotation at least one day before your policy begins, you might save money.

Allstate Is The Best Option For Many Dirt Motorcycles.

Pros and cons

Because of its multi-motorcycle discount, Allstate is ideal for motorcyclists who own numerous dirt motorcycles, ATVs, and utility task vehicles (UTVs). Moreover, Allstate provides transport trailer coverage for riders, which protects your trailer as well as any motorcycles you're moving.

Riders who have a loan on their bike should look into Allstate since it provides gap coverage. If your bike is stolen or wrecked in an accident, this coverage will reimburse the difference between its market value and the amount of your loan.

What Is Covered By Dirt Bike Insurance?

Standard dirt bike insurance plans include bodily injury and property damage liability coverage, but dirt bike owners should also consider acquiring a variety of supplementary coverages.

Most motorcycle insurance policies include dirt motorcycles (as well as mopeds and scooters), thus all-terrain vehicles are covered as well.

INSURANCE AGAINST LIABILITY

Liability coverage for bodily injury and property damage is necessary for street-legal vehicles and is included in every dirt bike insurance policy. They cover any injuries or damage caused by a rider while riding a dirt bike.

While dirt bikes are often not permitted on city streets, property damage claims may appear less likely, yet they can still occur. A dirt biker may collide with another biker or ride someplace they are not authorised, causing damage to a path, grass, or crop that they must subsequently restore.

PIP OR MEDICAL PAYMENTS

In certain states, personal injury protection (PIP) or medical payments coverage is obligatory, while in others, it is optional. These policies reimburse your medical fees if you are hurt while riding your dirt bike, regardless of who is at fault.

COLLISION AND COMPREHENSIVE

Collision and comprehensive coverage compensate for damage to your motorbike regardless of who is at blame.

Collision coverage pays for damage caused by a collision with another vehicle, an object, or a rough area of terrain.

Comprehensive coverage will compensate for damage caused by events beyond your control, such as theft, vandalism, or weather damage.

When a rider obtains collision and comprehensive coverage, he or she selects a deductible for each.

If you use your bike for anything other than recreation, you should consider collision and comprehensive coverage. For example, whether you're a farmer who uses a dirt bike to cross your own land, or a child who rides his or her dirt bike to school, it's critical that your bike be fixed or replaced as soon as possible.

MOTORIST UNINSURED/UNDERSURED

Uninsured/underinsured motorist coverage (UM/UIM) safeguards motorcyclists and their dirt motorcycles from other riders who lack enough insurance.

This coverage can assist pay for medical and property damage charges if an uninsured or underinsured driver causes an accident and is unable to pay for damage to a rider or their bike.

Motocross and racing are not covered.

A regular dirt bike insurance coverage will not cover motocross or organised racing bikes. This is due to the fact that racing is more risky than recreational riding.

Racetracks typically provide a unique motocross insurance policy or coverage that participants might purchase.

Commonly Asked Questions

Even if it is not required in their jurisdiction, dirt bike riders should always purchase insurance. Dirt bike insurance will assist in the payment of any damages or injuries sustained while riding your bike. Full coverage insurance can also protect against theft and damage to dirt bikes.

Dirt bike insurance, at a bare minimum, covers injuries to others and damage to their property caused by riding your bike.

Cyclists can also purchase additional protection. Comprehensive and collision coverage, which will help pay to replace your bike if it is stolen or cover the cost of repairs after damage, are two of the most typical add-ons, as is medical payments coverage, which will pay your medical fees if you are hurt while riding. Several providers additionally provide additional coverage for unique items and roadside assistance.

Minimum coverage dirt bike insurance costs about $13 per month on average. Full coverage insurance is around $66 per month and covers your bike from damage or theft.

A dirt bike, like a motorbike or ATV, is most likely not covered by your homes insurance policy. Even if you keep your dirt bike inside your house, garage, or shed on your property, it is unlikely to be protected if it is damaged or stolen.

Methodology

Value Penguin researched rates for addresses in five of California's major cities to get the most inexpensive dirt bike insurance. We examined costs from three of the most well-known insurance providers that provide online motorbike insurance quotes: Allstate, Progressive, and Geico.

The prices are based on a 30-year-old single male with 10 years of riding experience and a clean driving record who owns a 2023 Honda CRF250F.

Minimum coverage rates are determined by the state of California. Higher liability limits, as well as comprehensive and collision coverage, are included in full coverage premiums.