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Ohio Motorcycle Insurance: Get a Free Quote Today

OHIO MOTORCYCLE INSURANCE

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Ohio roads were made for riders. From the sweeping hills of Appalachia to the open stretches of Route 33, the Buckeye State offers miles of freedom—and every mile deserves to be protected. That’s where Harley-Davidson® Insurance Services comes in.

We offer motorcycle insurance built for Ohio riders—reliable, flexible, and backed by a century of road-tested trust. From Harley-Davidson® models to sport bikes, our coverage fits your ride and your lifestyle.

Get the protection your motorcycle needs—start your personalized quote today and hit the road with confidence.

WHAT ARE THE MINIMUM MOTORCYCLE INSURANCE REQUIREMENTS IN OHIO?

In Ohio, motorcycle riders are required by law to carry minimum liability insurance to legally operate on public roads. These minimum coverage amounts are designed to protect other drivers and property if you're found at fault in an accident.

Mandatory Motorcycle Coverage:

  • Bodily injury liability: $25,000 per person / $50,000 per accident

  • Property damage liability: $25,000 per accident

These are often referred to as 25/50/25 liability coverage limits.

Proof of Insurance:

Ohio doesn’t require a paper insurance card, but you must show proof of financial responsibility. This typically includes:

  • An insurance ID card (physical or digital)

  • A declaration page from your policy

  • A binder or letter from your insurer

For most riders, an insurance card—either printed or displayed on your smartphone—is the simplest way to comply.

Additional Considerations:

Ohio’s minimum liability requirements cover others—not you or your bike. If you value peace of mind and your ride, optional coverages are worth a serious look.

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WHAT ARE OPTIONAL MOTORCYCLE INSURANCE COVERAGES IN OHIO?

From summer rally rides down U.S. Route 23 to fall foliage cruises through Hocking Hills, Ohio riders experience a mix of urban traffic and rural backroads. Optional coverages give you peace of mind no matter where the road takes you - or what surprises it throws your way.

Here’s a breakdown of popular optional motorcycle insurance coverages available in Ohio:

Collision Coverage

Collision coverage kicks in to cover repair costs for your motorcycle if you’re involved in an insurance incident - regardless of who’s at fault.

Comprehensive Coverage

Ohio’s shifting seasons can be tough on motorcycles. Comprehensive coverage shields yours from theft, vandalism, weather damage—even garage fires.

Medical Payments Coverage

MedPay may help cover medical bills for you and your passenger up to a certain amount regardless of who’s at fault. It’s a smart backup if your health insurance has gaps or high deductibles.

Underinsured/Uninsured Motorist Coverage

Not every driver in Ohio is properly insured. UM/UIM coverage may protect you if you're hit by someone with little or no insurance.

Roadside Assistance

Stranded along the banks of the Ohio River or in the middle of Amish Country? Roadside assistance can help with towing, battery issues, or a flat.

Rental Reimbursement

If your motorcycle is in the shop after a covered claim, rental reimbursement helps cover the cost of a temporary replacement—so you don’t miss a ride.

RIDE SMART, SAVE MORE: MOTORCYCLE INSURANCE DISCOUNTS IN OHIO

Available Motorcycle Insurance Discounts for Ohio Riders:

Whether you're cruising along the shores of Lake Erie or just commuting through Columbus traffic, Ohio riders can take advantage of a range of motorcycle insurance discounts that reward experience, safety, and loyalty as their policy ages.

Here are some of the most common motorcycle insurance discounts available to Ohio riders:

  • H.O.G.® Member Discount

  • H-D™ Riding Academy Graduate Discount

  • Military and Law Enforcement Discount

  • Multi-Bike Discount

  • Home Ownership Discount

  • Prompt Payer Discount

  • Claim-Free Renewal

  • Loyalty and Claim-Free Discounts

  • Anti-Theft Device Discount

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Ohio Motorcycle Insurance Discounts

Looking for cheap Ohio motorcycle insurance? It's here, and you'll experience the quality of service you expect from Harley-Davidson®.

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HOW TO GET A QUOTE

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Have information about yourself and your bike[s] ready.

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Select coverage options.

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Review quote.

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Coverages and requirements vary by state. See your policy for complete coverage details.

GET A OHIO MOTORCYCLE INSURANCE QUOTE

Ready to ride with confidence across the Buckeye State? We offer motorcycle insurance built for Ohio riders - with coverage options that go beyond the basics and financial protection that sticks with you mile after mile.

Get coverage that fits your lifestyle, your type of bike, and your road ahead—whether you're riding a Harley® motorcycle or any other make or model. No gimmicks, no guesswork—just trusted protection from the name riders know.

Protect your ride—get your personalized Ohio motorcycle insurance quote now.