Pennsylvania Motorcycle Insurance
Motorcycle Insurance for Riders in the Keystone State
Pennsylvania riders can get motorcycle insurance for on and off-road motorcycles, ATV / UTVs, dirt bikes, snowmobiles and other powersport vehicles. Get a Pennsylvania motorcycle insurance quote online or learn more, below.
Motorcycle Insurance Just for Riders
Boundless Rider has rolled out rider-focused motorcycle insurance in Pennsylvania for on and off-road motorcycles and powersport vehicles. By choosing Boundless Rider for insurance, not only will riders in Pennsylvania get affordable coverage, they’ll have access to innovative rider perks and resources. Enjoy low rates, insurance discounts and many optional coverages to choose from for better rider insurance protection, including comprehensive and collision coverage, and optional higher limits.
We’ve got you covered.
Mandatory Insurance in Pennsylvania
Motorcycle Insurance Requirements
In Pennsylvania, you must have liability insurance in order to ride a motorcycle on public roads, and carry proof of insurance. Mandatory coverages include bodily injury liability, guest passenger liability, property damage liability and pedestrian first party benefits.
PA-required minimum limits of liability coverage for bodily injury (BI) and guest passenger liability (GP) are $15,000 per person, $30,000 per accident, $5,000 property damage (PD) coverage per accident and $5,000 First Party Benefits for pedestrians (PED FPB).
Mandatory Coverages, with Higher Limit Options
Limits of Liability for Bodily Injury, Options for Higher Limits (Per Person / Per Accident)
- 15,000 / 30,000 (mandatory minimum)
- 25,000 / 50,000
- 50,000 / 100,000
- 100,000 /300,000
- Call for Higher Limits
Limits for Guest Passenger Liability (Per Person / Per Accident)
- 15,000 / 30,000 (mandatory minimum)
- 25,000 / 50,000
- 50,000 / 100,000
- 100,000 /300,000
- Call for Higher Limits
Limits for Property Damage Liability
- 5,000 (mandatory minimum)
- 10,000
- 25,000
- 50,000
- Call for Higher Limits
Pedestrian First Party Benefits
- 5,000 (mandatory minimum)
Optional Coverages, with Higher Limit Options
Uninsured Motorist – Bodily Injury Coverage, Stacked / Non-Stacked (UMBI / UMBI ST are optional) *
Limit Options:
- 15,000 / 30,000
- 25,000 / 50,000
- 50,000 / 100,000
- 100,000 / 300,000
- Call for Higher Limits
Underinsured Motorist – Bodily Injury Coverage, Stacked / Non-Stacked (UIMBI/ UIMBI ST are optional) *
Limit Options:
- 15,000 / 30,000
- 25,000 / 50,000
- 50,000 / 100,000
- 100,000 / 300,000
- Call for Higher Limits
* Coverage can be reduced or rejected, however it must be rejected in writing. Stacked option is only when more than one vehicle is listed on the policy. Single Vehicle policies are not eligible for the Stacked option.
Medical Payments Coverage (optional)
- $500
- $1,000
- $2,000
- $5,000
Optional Coverages: Comprehensive & Collision
Although not required, in order to protect your motorcycle or powersport vehicle from physical damage, regardless of fault, these coverages should be considered.
Optional Insured Motorcycle and Powersport Vehicle Coverage
- Comprehensive (ACV up to $60k)
- Collision (ACV up to $60k)
Deductible Options (Comp & Collision only)
- $100
- $250
- $500
- $1000
Optional Coverage Enhancements (Comp & Collision only)
- Helmet & Safety Apparel (included), $2k limit
- Helmets cannot be more than 5 years old and must be DOT approved.
- Physical Damage Plus (OEM parts coverage)
- Replacement Cost Coverage (motorcycle only)
Optional Equipment Coverage (Comp & Collision only)
- $5000 included on motorcycles with Comprehensive (including dual-sport bikes)
- $1000 included on off-road vehicles with Comprehensive (including dirt bike, ATV, UTV, snowmobile)
- Limits up to $20K available for purchase
Additional Optional Coverages
Boundless Rider offers several ways for riders to customize their motorcycle insurance coverage, or powersport vehicle insurance coverage, to suit their individual needs.
Whether you transport bikes with a trailer or simply want better protection, our rider-focused insurance coverage enhancements are a great way to fit your insurance policy to your unique needs as a rider.
Check out some of our optional insurance coverage enhancements and endorsements.
Get Ready to Roll
Ride Boundless … from the streets of Philly through the suburbs and rural roads of Pennsylvania!
Get a quick motorcycle insurance quote to discover a new level of rider insurance protection with Boundless Rider. Whether you ride through Erie, Philadelphia, Pittsburgh, Allentown or Reading, we’ve got you covered.
Not an Pennsylvania resident? It’s Chill. We also offer motorcycle insurance in Arizona, Ohio, Texas & Illinois. Chances are we’ll roll into to your state soon. Join our waitlist to be notified.
Content on this page is intended as advertising statements and is not an offer or promise of insurance coverage. This content should not be relied on when determining actual terms, conditions and exclusions applicable to a specific insurance policy. Limits and restrictions may apply. Always check with your agent about specific policy coverages, as well as applicable website(s) for state insurance coverage requirements.