Motorcycle Insurance in Oklahoma City, OK

Motorcycle insurance is an essential safeguard for riders, offering financial protection from unforeseen events resulting in hefty repair costs and other expenses. Similar to owning a car, carrying specific insurance coverage is legally required in most states, including Oklahoma. Selecting the right coverage can be challenging, but Metro Insurance Agencies, LLC is ready to assist you in finding a suitable policy.

What Does Motorcycle Insurance Cover?

While a motorcycle insurance policy varies depending on different factors such as your budget and needs, it typically offers the following:

• Liability coverage

• Comprehensive coverage

• Collision coverage

• Medical payments coverage

• Uninsured/underinsured motorist coverage

In Oklahoma, all motorcycle owners must carry minimum liability insurance to cover potential damages or injuries resulting from an accident.

However, just satisfying the required coverage may not be enough since a single incident could potentially exhaust that limit and leave you with significant out-of-pocket costs. Having additional coverage will give you confidence that any expenses following a covered event may be properly taken care of. As a motorcycle owner, you should also consider coverage for custom parts, equipment and accessories, as well as trip interruption coverage, transport trailer coverage and roadside assistance coverage.

How Much Is Motorcycle Insurance?

Your insurer will consider your location, age, driving record and claims history to determine your policy rate. Typically, a rider with a clean driving record and no previous claims will pay less for coverage than someone with a poor driving record and multiple claims. Insurance premiums will also be based on your motorcycle’s age, model and mileage per year.

Where to Get the Right Coverage

If you are a motorcycle owner in Oklahoma City, Oklahoma, our team at Metro Insurance Agencies, LLC can work with you to evaluate your risk profile and finances to help you choose the right policy for you and your ride. Contact us today to learn more.