Need to insure a dirt bike? Whether you are hitting the local motocross track, ORV park, or private trail network, dirt bike insurance is a good idea. In fact, if you ride public land or state-maintained trails, there is a good possibility that liability coverage is legally required on your bike. At Dirt Bike Insurance, we can help you insure your motocross or dirt bike against…
How Much Does Dirt Bike Insurance Cost?
The amount you will pay to insure your dirt bike depends on a multitude of factors, including:
- Make/Model/Year of Dirt Bike
- State Liability Requirements (if any)
- Coverage Options You Select
- Driving Record and Credit
Typically, you can insure your dirt bike for significantly less than you would pay to insure your a street bike.
What about Health Insurance for Dirt Riders?
If you ride off-road – and certainly if you race motocross – you really should consider medical insurance (if you don’t already have a policy). We all know that, if you ride enough, it’s not a matter of if you’ll get hurt, but when. If your employer does not provide you with medical coverage of some kind, you may be afraid that an individual or self-employed policy will be too expensive. However, in our experience, you can typically get a high-deductible plan for under $150 a month, as long as you don’t have any serious pre-existing conditions. That might sound like a lot, but consider that the cost of a broken leg is in the neighborhood of $2500 – and that’s if you don’t require surgery. If you do require surgery, the costs jumps to $15,000 to $35,000! As you can see, the cost of those monthly premiums begins to look like a bargain.