Motorcycle Mania: Your spring guide to insurance, safety, training, laws and more


Despite the good news that motorcycle fatalities are trending down in recent years, motorcycle riders still represent a disproportionate share of traffic fatalities. May is Motorcycle Safety Awareness Month, a good time for riders and those who share the road with motorcyclists to double down on safety as we all get ready for the warmer weather and summer road trips. Here’s a guide to important information that you need to be prepared and to ride safely, as well as to comply with licensing, insurance and other legal requirements. .

Motorcycle Laws

If you operate your motorcycle on public roads, you must register it with your appropriate state authority and must be licensed to drive it.

AAA Digest of State Motor Laws – Motorcycles

State-by-State Guide to Motorcycle Laws – helmets, headlights, passengers, noise restrictions and more

III: State Motorcycle Helmet Use Laws (chart form)

State Highway Offices

Motorcycle insurance

Most states require that you carry at least a minimum insurance coverage – Florida, Montana and Washington are exceptions. Those states that do require insurance vary as to coverage requirements; most require a minimum of liability insurance to cover bodily injury and property damage.

Whether required or not, we think it’s pretty risky to go without coverage. Should an accident occur resulting in an injury or property damage, without insurance, you are on the hook. In fact, it is generally worth looking into expanding your coverage beyond the minimum. Options to consider are comprehensive and collision, which would cover other potential losses, such as replacement if your bike were stolen or damaged.. In some states, uninsured/under-insured motorist coverage is required; in others, you may be required to have specific coverage for passengers.

Motorcycle owners sometimes ask if they can cancel insurance in the winter when they aren’t riding but that can be risky and leave you exposed if the bike is stolen. Some insurers offer winter lay-up insurance options.

Talk to your independent insurance agent, who will be able to recommend the best coverage for your local requirements and your particular circumstances. Be sure to ask if there are any discounts that you may qualify for, such as for bundling multiple policies, for being a safe driver, for having participated in training, or any other circumstances.

For more, see the Insurance Information Institute (III): Find the right coverage for your bike

Motorcycle Safety

The Motorcycle Safety Foundation is a valuable resource. It is a not-for-profit resource, internationally recognized for comprehensive, research-based, Rider Education and Training System (RETS), which promotes lifelong-learning for motorcyclists and continuous professional development for certified coaches and trainers. MSF also actively participates in government relations, safety research and public awareness campaigns.

Check for available trainings and download their popular guide, You and Your Motorcycle: Riding Tips. Check out their other guides for three-wheelers, scooters, off-highway riding and more.

III: Background on: Motorcycle crashes

NHTSA: Motorcycle Safety

Choose the right helmet – how to find the right fit for safety

Helmet safety ratings – Make sure your helmet has the DOT symbol on the outside back; this means it meets Federal Motor Vehicle Safety Standard (FMVSS) No. 218.

Motorcycle Industry Council Tire Guide

NHTSA: Safety Issues and Recalls – search by VIN

Additional Resources

How to Prepare your Motorcycle for Spring

Consumer Reports: Motorcycle Buying Guide & Ratings

Motorcycle Club Listings

Motorcycle Insurance Coverage and a Toolkit for Spring


Don’t let last week’s snow fool you – it’s just about time to take that motorcycle out of mothballs and get it on the road. But first, before you do anything else, check to be sure that you have motorcycle insurance to protect that investment.

The Insurance Information Institute (III) offers the lowdown on motorcycle insurance:

“Most states require motorcyclists to carry a minimum amount of liability insurance, to cover bodily injury and property damage costs caused to other people involved in an accident. In addition, uninsured/underinsured (UI/UIM) motorist coverage is recommended, or even required, in many states as part of a motorcyclist’s policy to cover expenses for damage were caused by another driver who either does not have insurance, or whose insurance is inadequate.
The mandatory minimum limits for these coverages in states where they are required for motorcyclists are generally similar to those required for automobiles.”

We think its a good idea to have some of the optional coverages, too: collision, first party medical coverage, emergency road service and coverage for customization and equipment.

III offers more details on motorcycle coverage here with tips on saving money such as a lay-up policy or those who suspend use in the winter and multibike discounts.

Motorcycle laws, safety tools & other resources

msfThe Motorcycle Safety Foundation (MSF) is an internationally recognized developer of the comprehensive, research-based, Rider Education and Training System (RETS). Some insurers offer discounts for certified safety training so check to see if your insurer does. In addition to courses, MSF offers many free resources in their online library. One we like is the booklet You and Your Motorcycle Riding Tips – MSF says that many manufacturers include this booklet with their new motorcycles. They also have similar booklets for 3-wheeled motorcycles and scooters. Their Tire Guide looks pretty handy, too.

The American Motorcyclist Association has a good resource on motorcycle laws by state.
The guides cover information like eye protection, handlebar height, lane splitting and other information that bikers need to know.

The Insurance Institute for Highway Safety has a good guide on Motorcycle helmet laws by state. They note that, “Currently, 19 states and the District of Columbia have laws requiring all motorcyclists to wear a helmet, known as universal helmet laws. Laws requiring only some motorcyclists to wear a helmet are in place in 28 states. There is no motorcycle helmet use law in three states (Illinois, Iowa and New Hampshire).” IIHS also has a good Q&A about motorcycle safety and related topics

BikeBandit offers some excellent tips on how to prep your motorcycle for spring – he touches on everything from batteries to fluids.