Motorcycle Insurance

Protect You And Your Ride

At Torian Insurance, we know that you love your bike as much as you love life itself. That’s why we offer comprehensive coverage that will keep you safe on the road. Whether you’re cruising down the highway or taking a weekend trip, we have you covered.

Let's Talk!

Call (812) 424-5503 or fill out the form below to get started.

You Should Be Able To Enjoy Your Ride Without Worries

Motorcycle insurance works the same way car insurance does. It relieves you of the financial burdens of an unfortunate accident by covering property damages, bodily injury and liability. Motorcycle insurance generally is cheaper than car insurance however, because motorcycles are less likely to cause serious damages or injuries to someone else. Motorcycles can be enjoyed so much more when you know you are protected.

Protect You And Your Ride With Motorcycle Insurance

Contact A Trusted Insurance Agency

Insurance can be complicated, but that's why we are here to help. With 100 years of experience in the insurance industry we can answer all of your questions.

Find The Right Coverage For You

Based on your specific needs and driving risks, Torian will help customize your motorcycle insurance policy.

Get Protected & Enjoy Your Ride

Your motorcycle should bring you joy not stress. With motorcycle insurance you can have peace of mind knowing you are covered.

We pride ourselves in offering the best insurance coverage and services throughout Southern Indiana.

You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.

Variety Of Insurance Policies

We offer a variety of policies to find the perfect one for YOU!

Peace Of Mind

You'll have peace of mind knowing that your family is protected in case of an emergency.

Trusted Partner

If something happens, our team will be there with you every step of the way.

Bundled Discounts

Bundle discounts save you time and money on all of your insurance needs.

Motorcycle Insurance FAQs

Motorcycle insurance protects you while you enjoy your ride. This type of insurance can cover the costs of damages from a collision, medical expenses, repairs, theft and more. 

Almost every state including Indiana, Kentucky and Illinois require motorcycle insurance.

Motorcycle insurance is important because it can help to protect you financially if you are involved in an accident. These policies can cover the cost of medical bills, damage to your motorcycle, and even legal fees if you are sued. If you are involved in an accident, your policy can help to pay for the repairs to your motorcycle. 
In addition, motorcycle insurance can provide protection from uninsured or underinsured motorists or theft and vandalism. Whether you are a new rider or an experienced rider, motorcycle insurance is an important part of keeping yourself safe on the road.

The average cost of motocycle insurance in Indiana is $577 a year according to Value Penguin, but that can vary. Factors that can influence the cost of motorcycle insurance include:

  • Location
  • Age and riding experience
  • Usage
  • Driving history and record
  • Type of bike
  • Coverage
  • Insurance carrier
  • Credit rating

Similar to your standard auto-insurance policy, there are common discounts that you might come across. It’s important to talk to your insurance agency about what motorcycle insurance discounts you may qualify for. Some common discounts include:

  • Multi-vehicle
  • Homeowners
  • Multi-policy/ Bundle & Save
  • Paid in full
  • Motorcycle safety course
  • Theft recovery device
  • Anti-lock brakes

Most standard motorcycle insurance policies cover collision, comprehensive and liability. More specifically the basic coverages include:

  • Bodily injury liability- helps cover the medical expenses and loss of income when someone else is injured in an accident you caused
  • Property damage liability- pays for the damages and repairs to someone else’s property that you were liable for causing
  • Collision – may be required if your motorcycle is not paid in full
  • Comprehensive – can help cover the expenses if your bike is stolen, vandalized or damaged by the weather
  • Uninsured or underinsured motorist – protects you financially if an uninsured or underinsured motorist causes damages to your motorcycle
  • Medical payments – helps cover medical expenses from injuries regardless who is at fault

If you can ride it, we can insure it. Other types of motor vehicles that can be insured include:

  • ATVs & UTVs
  • Sport bikes
  • Cruiser
  • Dirt bikes
  • Mopeds & Scooters
  • Custom bikes
  • Touring bikes
  • Vintage bikes

In order to get a quote for motorcycle insurance, you will generally need to have:

  • The VIN
  • Make, model and year of your motorcycle
  • Personal information for anyone who will be riding the bike

Minimum motorcycle insurance policies don’t typically cover equipment, but you can purchase additional coverage that would cover the replacement of your helmet and other bike accessories. If you’ve invested a significant amount of money into motorcycle accessories like your helmet, gloves, jacket etc. make sure to reach out to a trusted insurance agency and ask if they are covered.

From my first phone call with Matt Dillow, I felt confident in my decision to choose Torian. He explained coverages, costs and treated me with kindness and understanding. Having moved to Indiana from the east coast and having the same agent for my needs for more than 25 years back home, I had to trust the person and the company I choose for coverage. Matt made my decision easy by being patient, answering questions, and working with me to meet my needs and also considering what I can afford. I would recommend Torian. Thank you very much

Andy Dillow is always available, knowledgeable, and helpful. He makes exploring the many insurance options easy and leaves you with a sense of confidence that your have the coverage you need.

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