Motorcycle Insurance
At Foremost®, we understand motorcycles and the people that ride them. Our bike insurance coverages are designed by passionate professionals that love the open road, so they know what matters most to bikers like you.
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Take care of your insurance needs with a licensed agent in your area.
Get an Online Quote
Online requests will be sent via email within 2-3 business days.
We are unable to provide an online quote for your state. Please visit the agency locator to find an agent in your area.
Foremost covers nearly everything from cruisers to dirt bikes, sport, trikes, classics, electric, scooters and much more! In addition to the liability and physical damage coverages you may find in a traditional auto policy, Foremost motorcycle policies are specifically designed for motorcycle enthusiasts, offering quality coverage at an affordable price.
Motorcycle Insurance Coverages
See what’s covered under a motorcycle insurance policy from Foremost.
Replacement Cost Total Loss Settlement
Foremost policies with the Elite package provide replacement cost coverage for up to five years on bikes purchased new. This coverage does not apply to custom, classic or vintage motorcycles.
Transport Trailer Coverage
This provides coverage for a specifically designed trailer to transport your motorcycle (valued up to $10,000).
Helmets & Safety Apparel Coverage
This provides coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
Optional Equipment Coverage
Optional equipment coverage is included in the Plus and Elite packages. You can also increase your limits on optional equipment coverage up to $30,000, which is great for custom paint, chrome, sidecars and other additions to your ride that were not originally provided by the manufacturer.
Saver
Perfect for the price-conscious shopper who wants basic coverage at an affordable cost.
Includes $500 Helmet and Safety Apparel coverage, First Accident Forgiveness, available Optional Equipment (ACV) and optional Towing and Roadside Assistance.
Plus
Designed for the customer trying to balance both coverage and price.
First Accident Forgiveness, Total Loss Settlement (two yrs.), $3,500 Optional Equipment, $1,500 Helmet and Safety Apparel, Towing and Roadside Assistance, Trip Interruption and Track Day coverage are just a few of the items that make the Plus Package a popular choice.
Elite
For those who want the most coverage to protect their lifestyle.
We've taken the Plus Package and added Diminishing Deductible, Deductible Waiver, Enhanced Rental, Permissive Use Rental, Total Loss Settlement (five yrs.), $5,000 Optional Equipment at Replacement Cost, $2,000 Personal Effects at Replacement Cost, $2,500 Helmet and Safety Apparel and more!
Vintage & Vintage Elite
Created for customers with motorcycles age 25 and older that have been maintained or restored to original condition.
Custom & Custom Elite
Intended for those with limited production, one-of-a-kind motorcycles or bikes with more than $30,000 in optional equipment.
Low-Speed & Low-Speed Elite
Designed for customers who have Low-Speed and Neighborhood Electric Vehicles.
Liability Only
For those who want only Liability coverage. Includes First Accident Forgiveness and available Towing and Roadside Assistance.
Motorcycle Insurance Discounts
Here are just a few of the ways your can save money by choosing Foremost:
Multi-Vehicle
Receive a discount if you have more than one unit insured on the same policy. The more you have, the more you save!
Multi-Policy
Our multi-policy discount applies to policies with all Farmers® companies, including Foremost and Bristol West®.
Endorsement
For riders who have fulfilled their state requirements and have the motorcycle endorsement on their driver’s license.
