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?

Pennsylvania Law requires that any person who operates or rides a motorcycle (including an autocycle) must wear protective headgear unless he or she is over 21 years of age or older and has either two years of riding experience or has completed a motorcycle safety course approved by PennDOT or the Motorcycle Safety Foundation. In addition, the operator or an occupant of a three-wheeled motorcycle or autocycle equipped with an enclosed cab is exempt from wearing a helmet. In response to this law the Pennsylvania Department of Transportation developed regulations for the minimum performance requirements for helmets designed for use by motorcyclists. Additionally, the regulations specify how the helmet shall be labeled to help identify a helmet that meets both the Federal Motor Vehicle Safety Standards (FMVSS 218) and Pennsylvania regulations (Title 67, Chapter 107) for helmets.

Pennsylvania's Motorcycle Helmet Law FAQs

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.