Everything to Know About Dirt Bike Insurance

At first glance, many people assume that dirt bike insurance is similar to motorcycle insurance. While the function and type of insurance both types of vehicles can get are consistent, there are some key differences since a dirt bike and motorcycle aren’t exactly the same. But for the most part, if it has a license plate, then it needs general liability insurance. But what is it that makes motorcycles so different from their off-roading dirt bike counterparts? This post looks at all the details and lays out what the average dirt bike and motocross enthusiasts should do to insure their beloved bikes. 

For the purposes of insurance, dual-sport bikes fall into a different category from pure dirt bikes.


Dirt Bikes at First Glance

Dirt bikes are no motorcycles, but some can still have a hefty price tag depending on the make. The average cost is anywhere from $8,000 to $9,000. Speed capabilities also vary from model to model –some are able to go as fast as motorcycles. Some are also designed for track racing with speeds that can even exceed 200 mph. Pit bikes are another form of dirt bike that is specially designed for racing. Another major difference dirt bikes are noted for is their suspension. Being off-road vehicles, the suspension is far greater in order to absorb impacts. However, they still have a motor and must be registered for legal use as a motorcycle. 

Dirt Bike Laws

As you’ve read and gathered already, dirt bikes are required to be insured and registered just as motorcycles are with a license plate, insurance policy satisfying at least the state’s minimum requirements, and the whole nine yards. Even if the dirt bike isn’t fast enough to be driven on the open road, it will still need that insurance coverage. If you use your dirt bike for off-road excursions, this insurance can save you from having to pay thousands of dollars to fix or repair your dirt bike. However, if you use it for events, then it will be another story. 

General Dirt Bike Insurance

Dirt bike insurance entails three areas of coverage:

  • Bodily injury and property damage – Every instance of liability insurance has this coverage. This isn’t your own injuries and damage to your bike, but injuries and damage that you caused to others. Since dirt bikes are less reinforced and more vulnerable than cars, damage can be extreme most of the time, as can injuries, so you want to be prepared. 
  • Comprehensive and collision – These two coverages make up full insurance for any given vehicle. Collision covers damage to your own bike in an accident that you caused, while comprehensive is there for any damages that occur while your bike is parked or in storage. 
  • Total loss – Since your bike has a higher chance of getting totaled than a car, total loss coverage is especially helpful to have in the event you need to replace your broken dirt bike. Motorcycle drivers also carry this coverage quite commonly.

As for the cost of dirt bike insurance, you can actually find it for as low as about $75 annually. It truly depends on the insurer as they all offer different rates. The best way to shop for dirt bike coverage is to do it like car insurance –take advantage of the free dirt bike insurance quotes and compare as many as you can in order to find the best bang for your buck.

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