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Wenatchee Insurance Agency

413 N Mission St
Wenatchee, WA 98801

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Washington Motorcycle Insurance Coverage

Motorcycle Insurance in Washington

Motorcycle insurance provides coverage for your bike if it becomes stolen or damaged following an accident. Motorcycle insurance policies cover collision-related damage and comprehensive damage resulting from theft, storms, vandalism, and animal destruction. We offer various motorcycle policies here at Wenatchee Insurance Agency in Wenatchee, WA.

Motorcycle Insurance Requirements

Washington state requires all motorcycle owners to purchase and carry insurance. It would be best if you considered purchasing the minimum required by law, which are:

  • Bodily injury for each person for $25,000
  • Bodily injury for each accident for $50,000
  • Property damage for $10,000

Liability insurance only protects you if you cause an accident. It will cover the other person’s medical expenses and lost wages. It will also protect you if the other party tries to sue you for damages.

Motorcycle Insurance Coverage

Motorcycle insurance covers all of the following:

  • Uninsured/underinsured: This is not a requirement, but it protects you if you get into an accident with another driver who doesn’t have insurance. If you are injured, this will cover your lost wages and medical costs.
  • Collision: Collision will protect you if you get into an accident with another motorist, no matter who causes the accident. If your bike is damaged, this will cover the expense of repairing or replacing your motorcycle.
  • Comprehensive: If your bike is damaged by animals, theft, vandalism, or storms, this will cover the expenses of repairing or replacing your bike.
  • Total loss: This is similar to gap insurance and covers your bike if it becomes totaled following an accident.
  • Roadside assistance: While this is optional coverage for your bike, it will cover towing expenses if your bike sustains a flat tire, battery failure, or a breakdown.
  • Medical payments: This covers your medical expenses if you are injured in an accident, regardless of who is at fault.


To receive a motorcycle insurance quote, please call us here at Wenatchee Insurance Agency. Our office is located in Wenatchee, WA.

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