Motorcycle
Insurance

Affordable Motorcycle Insurance in Greensboro, NC

Traveling by motorcycle involves considerably more risk than driving a car, which means that those who choose this mode of transport must have specialized motorcycle insurance. The state of North Carolina requires motorcyclists to have liability coverage at the very least. Tom Needham Insurance Agency can offer the best rates on this coverage, and offer some additional provisions.

What motorcycle insurance does NC state law require?

Like other motorists, motorcycle owners are required to buy liability insurance for their vehicles. A valid insurance card should be carried at all times. Liability insurance provides financial protection when there is an accident where the insurance holder in question is deemed to be at fault. Basic liability coverage for motorcycle or motor scooter owners provides the following coverage:

$25,000 for property damage for which the insured person is deemed responsible

$30,000 per person or $60,000 per accident for bodily injury, to pay claims to those who are injured or killed in an accident

These amounts are the legal minimum coverage that the state requires you to have as a motorcyclist.

Additional motorcycle insurance coverage

In addition to the state minimum, Tom Needham Insurance can offer additional motorcycle insurance coverage to provide that extra protection you need on North Carolina’s roads.

The minimum amounts required by the state are usually far less than you would need to cover damages resulting from an accident. When purchasing insurance coverage for your motorcycle, it is better to carry much more than the $25,000, $30,000 or $60,000 coverage mandated by the Department of Insurance. You should also consider the following:

Non-Collision Damage

Coverage for damage caused by non-collision damage such as fire or natural disasters, or theft

Medical payments coverage

Medical payments coverage to pay for the cost of your medical treatments in the event of an accident.

Uninsured/ underinsured motorist coverage

Uninsured/ underinsured motorist coverage to keep you covered if you are involved in an accident with a driver or other motorcyclist who is underinsured or not insured at all.

Speak to one of our insurance agents about the best motorcycle insurance that will provide comprehensive coverage for all possible risks. Contact Tom Needham Insurance for a motorcycle insurance quote.

Learn more about Tom Needham Insurance Agency in Greensboro, NC

Frequently Asked Questions

Yes. North Carolina law requires all motorcycle riders to carry liability insurance before riding on public roads. Riders should also keep proof of insurance with them while operating the motorcycle. According to the North Carolina Department of Insurance motorcycle coverage guidance, maintaining active liability coverage is mandatory for legally operating a motorcycle in the state.

Motorcyclists in North Carolina must carry at least $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage. These minimum limits help cover injuries or property damage you may cause to others in an accident. These requirements are outlined by the North Carolina Department of Insurance.

Yes. Beginning July 1, 2025, North Carolina introduced updates affecting vehicle insurance policies, including adjustments related to minimum coverage limits and uninsured motorist protections. Details about these regulatory updates are explained in the state’s overview of automobile insurance rating changes effective July 1, 2025.

The liability insurance required by the state mainly covers injuries or property damage you cause to other people. Protection for your own motorcycle usually comes from optional coverages such as collision or comprehensive coverage, which many riders add depending on the value of their bike and how often they ride.

North Carolina requires uninsured motorist coverage as part of vehicle insurance policies. This coverage may help pay for medical expenses or other losses if you’re involved in an accident with an uninsured driver or a hit‑and‑run vehicle. The state explains how this protection works in its guide to uninsured and underinsured motorist coverage.

Yes. In addition to insurance, riders must obtain a motorcycle endorsement on their driver’s license before legally riding on public roads. Licensing requirements are explained by the North Carolina Division of Motor Vehicles.

Insurance premiums can vary depending on the type of motorcycle, coverage limits, riding history, location, and how frequently the bike is used. Local risk factors and statewide insurance regulations may also influence how policies are priced.

Yes. Because not every driver carries adequate insurance, uninsured motorist coverage helps protect riders financially if they are injured in an accident caused by someone without insurance. This coverage is designed to help cover medical costs and other losses when the at fault driver cannot pay.

Yes. While North Carolina sets minimum liability limits, many riders choose higher coverage limits or optional protections to better protect themselves financially after an accident. Reviewing coverage options with an insurance professional can help determine what level of protection fits your riding habits and risk tolerance.

Call us now at 336-855-1223 or contact us for an insurance quote online and one of our agents will be in touch with you shortly.  

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