Motorcycle insurance in North Carolina is mandatory on all motorbike or motor scooters in the state. This type of insurance for motorcycle owners may be added to an existing automobile insurance plan as a “miscellaneous type vehicle endorsement”, or motorcyclists may purchase a separate motorbike insurance policy if they prefer. However, all standard or full coverage motorcycle insurance policies must meet minimum liability requirements under the North Carolina Division of Vehicles (NCDMV) and the state Department of Insurance (NCDOI). Fortunately, many affordable motorcycle insurance policies are available that meet these minimum coverage requirements. As such, motorists can save money by comparing motorcycle insurance quotes online. To learn more about how to get motorcycle insurance, including basic or cheap motorcycle insurance policies, review the sections below.
North Carolina Motorcycle Insurance Requirements
All motorbike owners must get motorcycle insurance to meet the requirements under the NCDMV and the state’s motor vehicle law. These NC motorbike insurance requirements provide drivers with financial protection if they are held legally responsible for property damages or the bodily injury of another person. Whether drivers obtain a policy from motorcycle insurance companies in North Carolina or they add a “miscellaneous type vehicle endorsement” to their current automobile policy, motorbike insurance coverage must include the following:
- $30,000 per person or $60,000 per accident (for bodily injury liability)
- $25,000 per occurrence (for property damage liability)
Additionally, motorcycle owners must keep their motorbike insurance identification card with the vehicle at all times, or they must retain the card with them whenever they operate the vehicle. To find a basic liability or full-coverage motorcycle insurance policy that meets state requirements, motorists can get an NC motorcycle insurance quote online here.
Note: If drivers do not purchase insurance for a motorcycle in North Carolina, or if they do not add a “miscellaneous type vehicle endorsement” to their current automobile insurance policy, they may need to pay a civil penalty fee of $50, $100 or $150. Failure to pay the civil penalty fee results in additional fees, driving penalties and a possible revocation of the motorcycle’s license plates. Additionally, if drivers cancel their motorcycle insurance policy for any reason, they must notify the NCDMV and surrender the motorcycle’s license plates to any local license plate agency.
North Carolina Insurance for Motorcycle Benefits
Motorcycle insurance is mandatory in North Carolina, but motorcyclists only need to obtain liability coverage to meet the state’s minimum requirements. While the motorcycle insurance cost of basic liability coverage pays for bodily injury and/or property damages (up to a certain amount), it does not cover many additional expenses such as medical payments or damages from falling objects such as hail. However, full coverage motorbike insurance (or a more comprehensive policy) provides drivers with additional financial protection in the event of an accident. For instance, policies offering full-coverage insurance for motorcycles in NC include the following:
- Medical payments coverage – pays for necessary funeral and medical expenses
- Collision/other than collision (comprehensive coverage) – pays for accident-related damages or issues arising from hail, contact with animals, theft and more
- Uninsured motorist coverage (UM) – protects motorcyclists if an uninsured and at-fault driver hits them
- Underinsured motorist coverage (UIM) – protects drivers if an underinsured and at-fault motorist injures them
Drivers can get an online motorcycle insurance quote if they wish to purchase a more comprehensive motorcycle insurance policy, or they may contact a local motorcycle insurance company for estimates if they prefer. To compare motorcycle insurance costs in North Carolina, drivers can get motorbike insurance quotes here.
How much is motorcycle insurance in North Carolina?
The cost of motorcycle insurance in North Carolina varies depending on several factors, including the vehicle type and the driving record of the motorist. For instance, motorcycle insurance is often more expensive when drivers insure a high-performance vehicle or if the driving record of the motorist is poor. Additionally, the cost of insurance for motorcycles varies depending on the following:
- The motorbike insurance company
- The motorcycle owner’s age, gender and marital status
- Location and usage
- The accident history of the motorcyclist
- Safety features on the motorcycle (if applicable)
Furthermore, North Carolina motorbike insurance quotes may vary depending on whether drivers purchase coverage from a motorcycle insurance company, or if they add a miscellaneous vehicle endorsement to their existing automobile policy. Additionally, motorbike insurance is generally more expensive if motorcycle operators live in a household with poor drivers. Motorcycle insurance rates vary depending on the driving history of motorcycle owners, as well as the driver records of the motorists in their household. For this reason, it is important to get motorcycle insurance quotes from various companies and do plenty of research before purchasing a new policy.
To find the best motorcycle insurance premiums for any budget or motorcycle type, drivers can search for North Carolina motorcycle insurance online, as long as the company is licensed to do business in the state. To get started, drivers can compare motorcycle insurance quotes in North Carolina online here.
How can I get motorcycle insurance in North Carolina?
There are several ways to get affordable motorcycle coverage in NC, including online, through motorcycle insurance companies, or from an existing automobile insurance provider. If drivers wish to add a motorcycle insurance endorsement to their current automobile policy, they must purchase a “miscellaneous type vehicle endorsement” and pay an additional premium. However, insurance coverage for motorcycles is not included under a standard automobile policy. Instead, motorcycle owners must add motorbike insurance coverage to an existing automobile policy, or they must purchase coverage from another provider. Furthermore, drivers may obtain an online motorcycle insurance quote if they wish to purchase a standalone policy. As such, drivers can compare motorcycle insurance quotes in North Carolina online here.