Motorcycle Insurance

Hitting the open roads on your motorcycle can be a relaxing way of seeing the world in your spare time. But before you go cruising the scenic back roads of Tulsa and beyond, make sure you carry motorcycle insurance.

The state of Oklahoma requires owners of motorbikes to present proof of financial responsibility when getting a motorcycle endorsement or stopped by law enforcement. It guarantees that you have the means to pay for any damages if you figure in an accident while riding your motorcycle. One of the easiest ways of proving financial responsibility is by buying a minimum liability policy.

The required minimum motorcycle insurance coverage in the state is as follows:

$25,000 bodily injury or death liability for one person
$50,000 total bodily injury or death liability for multiple persons in one accident
$25,000 property damage liability in one accident

Given that Oklahoma is an at-fault state, the motorist who is at fault in a motor vehicle accident pays for the other party’s losses and damages. Your liability insurance covers these but not you or your bike. While the required minimum limits seem high, they can fall short and you have to pay from your own savings.

Protect Yourself, Your Motorbike, and Others with Full Coverage

We tell our Tulsa clients to add more coverage for full protection. Including other options to your basic policy means you also provide coverage for your injuries and your bike’s damages. Some of the add-ons you may consider are:

Comprehensive: Pays for damages to your motorbike caused by non-collision-related incidents such as vandalism, fire, and theft.

Collision: Covers damages to your motorcycle caused by a collision with an object or another vehicle.

Uninsured/underinsured motorists: Pays for your injuries sustained from an accident caused by an uninsured/underinsured motorist or a motorist with insufficient liability coverage.

Medical payments: Covers medical bills or funeral expenses resulting in a motorcycle accident regardless of who caused it.

Custom parts and equipment: Covers the parts, accessories, and enhancements in custom bikes.

Roadside assistance: Provides aid when your bike becomes inoperable due to mechanical or battery failure, or fuel and tire problems.

Oklahoma, Texas, & Missouri Independent Insurance Agents

Don’t have any idea which motorcycle insurance policy is right for you?

We at Hometown Insurance Agency can help you identify which suits your specific lifestyle and financial situation. As independent agents, we have access to many insurance companies to provide you with the coverage you need.

Call us at 918-221-7686 so we can start customizing your policy today.