Motorcycle, Scooter & ATV Insurance: Protection for Every Rider
Whether you're commuting on a scooter, cruising on a Harley, or tearing up trails on an ATV, the right insurance coverage makes all the difference. Compare quotes from 20+ top carriers and get covered beyond Ohio's minimum requirements.
What Motorcycle, Scooter & ATV Insurance Covers
Ohio law requires all motorcycle and scooter riders to carry liability insurance - and riding without it means risking license suspension, fines, and potential jail time. ATV riders also face significant liability exposure, especially when riding on shared trails or private property. But meeting the legal minimum is just the starting point. The right policy protects you against medical costs after an accident, damage to your bike or machine, and drivers who don't carry enough coverage of their own. Whether you ride year-round or only pull out your ATV on weekends, our experienced agents compare options across 20+ top carriers to make sure you have real protection at the right price.
Enhanced Coverage Options
Standard liability coverage meets the legal requirements, but most riders need more than the bare minimum. Additional coverage options include:
- Medical payments coverage for rider injuries regardless of fault
- Collision protection for damage to your motorcycle, scooter, or ATV
- Comprehensive coverage for theft, vandalism, fire, and weather damage
- Custom parts and accessories coverage for aftermarket upgrades
- Roadside assistance and towing for breakdowns on or off the road
- Uninsured/underinsured motorist protection
- Trailer coverage for transporting ATVs and off-road vehicles
Let our team build the right coverage for your specific ride and how you use it. Reach out to us today!
Insurance Policies Tailored to Your Needs and Budget
Get Covered Today
in 4 simple steps
Share Your Details
Tell us about your bike and riding history - just 5 minutes online or by phone.
Compare Options
Review personalized quotes from our top carriers.
Choose Coverage
Select your protection with our teams expert guidance.
Ride Protected
Hit the road with confidence and complete coverage.
Why Ohio Riders Trust Stanley Insurance Group
Join thousands of motorcycle, scooter, and ATV riders who've trusted Stanley Insurance Group since 1984. Our Google rating and A+ BBB score reflect our commitment to keeping every type of rider protected.
"Any time I have any questions about insurance, I know I can call the people here and get an honest answer!"
"Got referal this place from a friend. Asked for a few quotes and they gave me best deals in town. Ethan helped me out though the process. He is knowledgable, responsive, and very helpful. Ended up with 3 cars and 2 houses insurance. Happy customers."
"I've been insured by the company for few years and the service is exceptional! Having a contact that can help explain my coverage and answer questions really makes a difference. Most recently, I've worked with Kaisen to update my policy due to a move, he was awesome!"
"Ethan was a lifesaver when it came to our insurance needs. He took the time to review our current policies and found several areas where we could save money without sacrificing coverage. His expertise and attention to detail were truly impressive."
"Brandon and his staff are friendly, professional and knowledgeable. They offer a lot of insurance carriers and products to help you find the best option given your price point and coverage needs. They've been there for a long time also so the trust factor should be there."
"Dealing with Stanley Insurance Group was a great experience, especially Chase, who helped me get new coverage for my home and auto. He took a lot of time to answer all my questions and he made sure to follow up with any concerns I had. I highly recommend Chase because he definitely went the extra mile for me."
Motorcycle, Scooter & ATV Insurance Questions Answered
Real answers about protecting yourself and your ride
Ohio requires minimum liability ($25,000/$50,000 bodily injury, $25,000 property damage), but most riders need more protection. We'll help evaluate your needs for comprehensive coverage.
From safety courses to multi-bike discounts, we help find savings others miss. Many riders save 15-25% through our comparisons and discount programs.
We offer seasonal coverage options to help manage costs. However, year-round protection ensures you're covered for unexpected riding opportunities.
Standard policies may limit custom part coverage. We'll help structure coverage for your specific bike modifications and accessories.
Key factors include bike type, riding history, location, and coverage levels. We'll help find the best value while maintaining proper protection.
Ohio requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This applies to motorcycles and scooters operated on public roads. Most riders find these minimums aren't enough to cover a serious accident, which is why we recommend reviewing your full exposure and adding medical payments and uninsured motorist coverage at a minimum.
No. Motorcycles, scooters, and ATVs are each classified differently by insurers and require separate policies. ATVs are considered off-road vehicles and need their own coverage, whether you ride on private land, trails, or transport the ATV to different locations. We can help you bundle coverage across multiple vehicles to keep costs manageable.
Ohio doesn't require ATV insurance by law, but that doesn't mean you're protected without it. If your ATV damages someone's property, injures another rider, or gets stolen, you're personally on the hook for every dollar. Many homeowners policies also exclude ATV-related incidents. A dedicated ATV policy is the only reliable way to make sure you're covered.
Safety course completions, multi-vehicle discounts, bundling with your auto or home policy, and maintaining a clean riding record all bring your rates down. Storage location and annual mileage also factor in. We compare rates across 20+ carriers to find savings others miss - many riders save 15-25% through our process.
Standard policies often set low limits on custom parts and accessories, which can leave you seriously underinsured if you've upgraded your bike. We'll make sure your policy reflects the actual value of your modifications, custom paint, aftermarket exhaust, upgraded seats, and any other equipment you've added.
Smart Ways to Save on Motorcycle, Scooter & ATV Coverage
Most Ohio riders don't know about these money-saving opportunities.
You can SAVE big with:
- Safe rider course discounts
- Multi-bike or multi-vehicle savings
- Bundle discounts with home or auto policies
- Seasonal coverage options for ATVs and recreational riders
- Safety course and training credits
- Claims-free rider discounts
Let our team find every discount you qualify for or check out our blog for more ways to save on your coverage.
Our Carrier Partners
