Dirt Bike Insurance

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…

  • Theft
  • Damage
  • Liability

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.