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MOTORCYCLE INSURANCE     


Is motorcycle insurance required in Pennsylvania?

Like driving a car, if you drive a motorcycle on public roads in Pennsylvania you must have insurance.  The motorcycle insurance market is competitive in Pennsylvania, with many insurers offering this coverage.

 

What safety gear am I required to wear?

Protective headgear, helmets, are optional for most riders under Pennsylvania law.  Helmets are required for anyone 21 years old or younger, unless that person has two years of riding experience or has completed a motorcycle safety course approved by PennDOT or the Motorcycle Safety Foundation.

While helmets are not required for most riders, the National Highway Traffic Safety Administration says riders who wear a helmet are 37 percent less likely to die in a crash, and 67 percent less likely to suffer a brain injury. [1]

 

Are discounts available for motorcycle insurance?

Many insurers offer discounts for motorcyclists who have completed safety courses, have memberships in certain associations, or have safe driving records.  Anti-lock braking systems help maintain control during sudden stops, and some insurers offer discounts for motorcycles with factory installed anti-lock braking systems.  Insurers often also offer discounts for “bundling”, or buying multiple policies, such as car or motorcycle insurance and homeowner’s coverage, from one company.  Consumers should discuss whether any of these discounts is available from their insurer.

 

Get more information on PennDOT’s motorcycle safety program and on Pennsylvania’s motorcycle helmet law, and enjoy the open road in Pennsylvania safely. 


[1] National Highway Traffic Safety Administration. 2008. Traffic safety facts, laws: motorcycle helmet use laws. Report no. DOT HS-810-887W. Washington, DC: U.S. Department of Transportation.