Your Guide to Motorcycle Insurance in Upstate New York: Coverage, Costs & Tips
- Lindsay Frye
- May 7
- 3 min read
As spring rolls into upstate New York, motorcycles are coming out of winter storage and back
onto the scenic country roads, from the Adirondacks to the Catskills. Whether you’re riding
through the Finger Lakes or cruising along Route 90, having the right motorcycle insurance is
just as important as your helmet and gear.
If you’re searching for the best motorcycle insurance in upstate New York, you’re in the right
place. At Dempsey Insurance, we specialize in helping riders find affordable, reliable coverage
that fits their lifestyle and budget.
Is Motorcycle Insurance Required in New York State?
Yes. New York motorcycle insurance laws require all motorcyclists to carry at least minimum
liability coverage before riding on public roads. This includes:
● $25,000 for bodily injury per person
● $50,000 for bodily injury per accident
● $10,000 for property damage per accident
However, the minimum limits may not fully protect you in the event of a serious accident. That’s
why many riders choose to add collision, comprehensive, and uninsured motorist coverage for
peace of mind.
Types of Motorcycle Insurance Coverage You Should Know
Here’s a breakdown of essential motorcycle insurance coverage options to consider in upstate
New York:
● Liability Insurance: Covers injuries or damage you cause to others. Required by law in
New York.
● Collision Coverage: Helps pay for repairs to your motorcycle after an accident.
● Comprehensive Coverage: Covers non-collision events such as theft, fire, vandalism,
or weather-related damage (especially relevant in areas prone to storms or falling
branches).
● Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver with
insufficient or no insurance.
● Accessory & Gear Coverage: Optional, but great for protecting helmets, saddlebags,
riding jackets, and other expensive gear.
● Medical Payments: Though not required for motorcycles in NY, it can help with
medical expenses.
Top Motorcycle Insurance Tips for Upstate NY Riders
If you’re looking to get the most out of your motorcycle insurance policy in New York, here are
some smart tips:
1. Bundle Your Insurance Policies. Save money by bundling motorcycle insurance with your auto, home, or renters
insurance.
2. Take a New York Motorcycle Safety Course. Not only will it make you a safer rider, but completing a DMV-approved safety course
can help you qualify for insurance discounts.
3. Ask About Discounts. Common motorcycle insurance discounts include:
○ Safe rider discount
○ Multi-bike discount
○ Loyalty or renewal discounts
○ Anti-theft device discount
4. Do an Annual Policy Review. Your coverage needs can change. Whether you’ve bought a new bike, moved, or have a change in drivers, a quick annual review ensures your policy stays up to date.
Why Work with a Local, Independent Insurance Agency?
As an independent insurance agency in upstate New York, we aren’t tied to one carrier. That
means we can shop multiple insurance companies to find the best coverage and rates for your
unique needs.
We understand the challenges and joys of riding in this part of the state—from unpredictable
weather to winding mountain roads. Let us help you get the motorcycle insurance coverage that works for you, with personalized service and local expertise.
Get a Free Motorcycle Insurance Quote Today
Ready to hit the road with confidence? Contact us for a free motorcycle insurance quote in
upstate New York. We’ll walk you through your options and find a policy that fits your bike, your
budget, and your riding habits. Call us, stop by, or request a quote online, your ride deserves the right protection!
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