In Pennsylvania, motorcycle riders have the freedom to go beyond the state’s minimum insurance requirements. These add-ons are especially important given the unique riding conditions in the Keystone State, from twisty Appalachian backroads to busy Philly streets and icy winters.
Here’s a breakdown of popular optional motorcycle insurance coverages available in Pennsylvania:
Collision coverage helps pay to repair your motorcycle resulting from a collision with another vehicle or object - regardless of who’s at fault.
Pennsylvania’s four-season weather can bring hail, high winds, and even deer on country roads. Comprehensive coverage protects your ride from non-collision threats like theft, vandalism, weather damage, and animal strikes.
Medical payments coverage helps pay medical bills for you and your passengers—no matter who’s at fault. It’s a key safety net for out-of-pocket costs your health insurance may not cover.
Not every Pennsylvania driver has enough, or any, insurance. If they hit you, UM and UIM coverages may help cover medical bills and lost wages.
Optional Equipment Coverage protects aftermarket parts, custom paint jobs, chrome upgrades, saddlebags, GPS systems, and more—beyond the standard $1,000 coverage limit.
Flat tire on Route 6? Dead battery before a weekend ride? Roadside assistance gets you rolling fast with towing, fuel, or a jumpstart.
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.
Looking for cheap PA motorcycle insurance? It's here, and you'll experience the quality of service you expect from Harley-Davidson®.
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Coverages and requirements vary by state. See your policy for complete coverage details.
