Motorcycle Insurance in Indiana
Local Indy guidance—statewide protection for the way you ride
From Broad Ripple to Brown County and everything between, Indiana riders trust AOG Group | Allstate for clear, budget-smart motorcycle insurance. We pair local, friendly service with Allstate’s strength—so you can focus on the ride, not the what-ifs.
Who we cover
- Cruisers & touring bikes
- Sport bikes & standards
- Adventure/dual-sport & trikes
- Scooters & mopeds (eligibility varies)
- Garaged collections & seasonal riders
Tell us how and where you ride, and we’ll tailor coverage accordingly.
What motorcycle insurance typically includes
- Liability (bodily injury & property damage): Helps protect your finances if you’re at fault in an accident.
- Uninsured/Underinsured Motorist: Helps when the other driver doesn’t have enough—or any—insurance.
- Medical Payments (MedPay): Helps with medical costs for you and your passenger after a covered accident (limits vary).
- Collision: Helps repair or replace your bike after a covered crash, regardless of fault.
- Comprehensive: Helps cover theft, fire, vandalism, and certain weather damage.
Popular add-ons for Indiana riders
- Custom Parts & Accessories (CPE): Extra limits for upgrades like pipes, bars, seats, fairings, and chrome.
- Riding Gear Coverage: Helps replace helmets, jackets, gloves, and boots after a covered loss.
- Roadside Assistance: Tows and help if you’re stranded—ask about trip interruption for lodging/meals after a covered breakdown.
- OEM Parts Preference: Where available, specify original equipment parts for repairs.
- Loan/Lease Gap: Helps with certain gaps if your bike is totaled and you owe more than its value (availability varies).
Coverages, limits, deductibles, and availability vary by policy and state. We’ll walk you through the details before you buy.
Smart ways to save (subject to qualification)
- Bundle & save: Combine motorcycle with auto, home, condo, or renters.
- Multi-bike discount: Insure more than one motorcycle.
- Safety course credits: Completed rider training can help.
- Device/anti-theft credits: Garaging, alarms, and GPS trackers may qualify.
- Claims-free & responsible payer savings.
Real-world scenarios we plan for
- Hit-and-run at a stoplight: UM/UIM can help cover injuries and damages.
- Low-side on gravel: Collision helps repair the bike; gear coverage helps with your helmet and jacket.
- Storm knocks over the bike: Comprehensive addresses certain weather damage.
- Touring mishap far from home: Roadside + trip interruption helps you get back on track.
Why AOG Group | Allstate
- Local experts, statewide reach: Indianapolis, Carmel, Fishers, Zionsville, Noblesville, Westfield, Greenwood, Avon, Brownsburg, Bloomington, Lafayette/West Lafayette, Muncie, Terre Haute, Fort Wayne, South Bend, Evansville—we cover all of Indiana.
- Plain-English guidance: We translate the fine print and build side-by-side options.
- Fast proof of insurance: Digital ID cards and lender/DMV docs—handled quickly.
- Proactive reviews: Update coverage when you add a bike, change gear, or extend your riding season.
FAQs
Do I need motorcycle insurance year-round?
Many riders keep coverage year-round for theft, fire, and storage risks. We’ll structure your policy to fit how you ride and where you store your bike.
How are custom parts covered?
Policies include a base amount for accessories; heavy customization often needs higher CPE limits. We’ll help you document upgrades.
What deductible should I choose?
Higher deductibles can lower premiums but increase out-of-pocket costs at claim time. We’ll model options so you can pick your comfort zone.
Is my gear covered?
You can add riding gear coverage for helmets and apparel—ask us about limits and eligible items.
Can I bundle with home and auto?
Yes—bundling is one of the easiest ways to save. We’ll price it both ways.
Does my policy cover passengers?
Passenger coverage varies by policy and selected limits (e.g., MedPay, liability). We’ll clarify how your setup works.
Our simple process
- Quick ride profile: Bike, upgrades, mileage, storage, and routes.
- Custom quote: Clear choices for limits, deductibles, and add-ons.
- Bind & ride: Instant ID cards; we coordinate with lenders if needed.
- Annual tune-up: Review coverages before peak season or after upgrades.
Ready to gear up with the right coverage?
Let’s build a motorcycle policy that rides as well as your bike. Request a custom quote from AOG Group | Allstate in Indianapolis—serving riders across Indiana.
Disclosures: Product features, discounts, underwriting, and availability vary by policy form and state. Terms, limits, conditions, and exclusions apply. Coverage is determined by the policy documents issued. We’ll review specifics with you before you buy.
