Tool
Coverage Quiz: What Motorcycle Insurance Do You Need?
A short quiz that returns a recommended motorcycle coverage level from your bike value, financing, and state. A starting point, not insurance advice.
Your situation
Suggested coverage level
Full coverage or liability-only — a genuine judgment call
Your bike sits in the range where either choice is defensible. Full coverage protects the bike; liability-only is cheaper but pays nothing toward your own bike in an at-fault crash. Read the guides before deciding. Alabama's minimum liability is your legal floor — most riders should carry well above it.
Read before you decide
This is an illustrative starting point, not insurance advice. motoinsure is neither a broker nor a carrier. A custom build, a seasonal storage pattern, or a passenger you carry often can shift the answer — read the linked guides.
The coverage quiz returns a recommended motorcycle coverage level from a few quick inputs: your bike's value, whether it is financed or owned outright, your state, and your tolerance for risk. It is built for the rider who knows they need insurance but is not sure whether state-minimum liability is enough or whether the bike needs full coverage and add-ons. The quiz gives you a starting point and routes each recommended coverage type to the guide that explains it. It is not advice and not a substitute for reading those guides.
What this tool does
The quiz takes four inputs and returns a coverage level: typically state-minimum liability, full coverage, or full coverage with specific add-ons. The inputs do real work. A financed bike forces collision and comprehensive — the lender requires them, so the quiz returns full coverage regardless of anything else. An owned-outright bike's value drives the recommendation: a low-value bike can defensibly run liability-only, a higher-value one usually should not. Your state sets the legal floor, and your risk tolerance breaks ties in the middle.
What the quiz does not do is account for your full situation — a custom-parts bike, a stored seasonal bike, a passenger you carry often. Those shift the answer, and the guides the result links to cover them.
Coverage quiz
The quiz is the panel above. Set your bike value, whether it is financed or owned outright, and your risk tolerance, and it returns a recommended coverage level with a link to the guide that explains each recommended coverage type.
How to read your result
The result is a starting point, not a decision. The quiz returns a coverage level that fits the four inputs you gave it, drawn from motoinsure's disclosed methodology and the coverage logic in the coverage section [Insurance Information Institute, 2024]. It is not insurance advice, and it cannot be — advice requires a licensed agent looking at your whole picture, and motoinsure is neither a broker nor a carrier.
Read the result as the question narrowed, then verify it against the matching guide. If the quiz returns full coverage because your bike is financed, that is a hard rule, not a judgment call — the lender requires it. If it returns liability-only for a low-value owned bike, that is a defensible call, but read the liability-only guide before you accept it, because a single dropped bike with no other vehicle involved pays nothing on liability-only. If it returns full coverage with add-ons, the add-ons matter: custom-parts and lay-up coverage are situational, and the linked guides say who needs them [National Association of Insurance Commissioners, 2024].
The quiz cannot see a custom build, a heavily aftermarket bike, or a seasonal storage pattern. If any of those describe you, treat the result as a floor and read further.
Next step
A recommended coverage level is the start of the decision. Take the result into the coverage section, where each coverage type — liability-only, full coverage, custom-parts, lay-up, uninsured-motorist — has a full guide naming who it fits and who should skip it. Then read how much motorcycle insurance costs to see what your chosen coverage level will run, and quote it with several carriers. The tools hub has the cost estimator if you want a price range alongside the coverage call.