Skip to main content

Insuring Your Ride: Can You Insure a Motorcycle Without a License? 

Howdy, Georgia bikers! Whether you’re already cruising the backroads or dreaming of your first ride, understanding bike insurance is essential. But what if you don’t have a license yet? Can you still get motorcycle insurance for your shiny new bike? Can you insure a bike without a motorcycle permit? 

The answer is a resounding yes! Dive into this guide to learn why you should insure your ride, even without a license or permit, and how to get the best coverage to keep your bike safe and sound. 

Understanding the Basics of Motorcycle Insurance 

If you’re cruising through Georgia on your bike or just dreaming of the day, you’ve got to get the lowdown on bike coverage. It’s just like a car policy but tailored for those open-road adventures on your bike. From covering damages to protecting against theft, it’s your ticket to riding worry-free. 

Bike insurance typically includes liability coverage (for when you’re at fault in an accident), collision coverage (to cover your own bike’s repairs), comprehensive coverage (for non-collision damage like theft or weather), and uninsured/underinsured motorist coverage (for when the other driver doesn’t have any or enough coverage). It’s a peachy deal for peace of mind. If you still have questions, here’s everything you need to know about motorcycle insurance

Can You Insure a Motorcycle Without a License? 

Now, here’s a head-scratcher for you: Can you insure a motorcycle without a motorcycle license? Can you get motorcycle insurance with a permit? Surprisingly, the answer is yes! Whether you’re a newbie without a license or just keeping a bike for display, insurers can still offer you coverage. But don’t get too excited yet — there’s a bit more to it. 

Companies care more about the vehicle than who’s riding it, so they’ll insure your bike even if you don’t have that magical plastic card yet. However, you’ll likely face higher premiums and a bit more paperwork. 

Why Insure a Motorcycle if You Can’t Ride It? 

You might be thinking, “Why bother insuring my bike if I can’t hit the road?” Good question, partner. There are a few reasons why you’d want to keep that insurance active. 

Man on a motorcycle inside a garage

First off, theft is a real worry. Bikes can be easy targets for thieves, and comprehensive coverage will help you out if yours gets swiped. Then there’s the damage that can happen when you aren’t looking — hailstorms, fallen branches, or even a neighbor’s kid takin’ a baseball to your ride. And let’s not forget, if you’re working on getting that license, you’ll want to make sure your bike’s ready to roll when you are.  

Motorcycle insurance is not expensive when compared to car insurance, but here are three things to help you save on your motorcycle policy

How to Get Motorcycle Insurance Without a License 

Alright, so you’ve decided you need coverage but don’t have a license in hand. Here’s the rundown on how to snag that coverage: 

  • Shop Around: Not all insurance companies are the same. Some are more friendly toward unlicensed folks. 
  • Be Honest: When filling out your application, be upfront about not having a license. Honesty’s the best policy, y’all.
  • Provide an Insured Rider: If you’ve got a buddy or family member with a license who’ll be riding the bike, list ’em as the primary rider. 
  • Consider Storage Insurance: If you’re keeping the bike in the garage, you might opt for a comprehensive-only policy, which covers non-riding-related incidents. 

A knowledgeable agent can help you sort out how to save money on motorcycle insurance and the requirements. 

What Types of Coverage Should You Look for When Insuring a Motorcycle? 

When it comes to picking the right coverage, think about what fits your needs best. Here’s what you should be looking at: 

  • Liability Coverage: Covers damages to others if you’re at fault. This is essential if you plan on hittin’ the road eventually. 
  • Collision Coverage: Fixes up your bike if you get into a crash. 
  • Comprehensive Coverage: Covers theft, weather damage, and other non-collision mishaps. 
  • Uninsured/Underinsured Motorist Coverage: Protects you if the other driver ain’t properly insured. 
  • Personal Injury Protection: Covers medical expenses for you and your passengers. 

Getting Covered Without a License 

So, you’ve learned you can get insurance on your motorcycle before you get your license. The important idea to remember is you must have motorcycle insurance to be legal when you do get your license.  

To get started with your custom quote, give us a call at (855) 468-3569, request a quote online, or visit your local Velox office today! 

Ready to Get a Quick Quote?