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Your Guide to Motorcycle Insurance in Upstate New York: Coverage, Costs & Tips


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.


Riding a motorcycle in New York
Motorcycle Insurance in Upstate NY: Everything You Need to Know


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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