Motorcycle Insurance for Adventure & Dual-Sport
Find the Right Adventure and Dual-Sport Motorcycle Insurance with Roamly
Coverage Options for Adventure Bikes and Street-Legal Dual-Sports, From Carriers Who Know the Road
Why Choose Roamly for Adventure and Dual-Sport Motorcycle Insurance?
- Multiple Carriers, One Quote: For motorcycle coverage, Roamly compares policies from a panel of carriers, so you're not limited to one company's option.
- Straight Answers on Dirt Roads: We'll help you ask how each policy treats gravel, forest service, and other unpaved roads before you buy, not after a crash.
- Accessory Coverage Options: Carriers we work with may offer custom parts and equipment coverage for panniers, crash bars, skid plates, lights, and GPS.
- Gear and Luggage Options: Some carriers we work with may cover riding gear and the belongings you carry on the bike after a covered loss.
- Licensed Agents Who Ride: Our licensed agents ride too, and they'll help you compare coverage in plain language.
At Roamly, we're not just insurance agents — we're riders who know an adventure bike doesn't stop where the pavement does. Dirt roads, border crossings, and a bike loaded with gear all raise questions a standard quote doesn't answer, and we'll help you find a policy that fits how you ride.
How Much Does Adventure and Dual-Sport Motorcycle Insurance Cost?
Adventure and dual-sport bikes are usually among the less expensive motorcycles to insure, though the price climbs with the bike's value. As of October 2026, Progressive advertises liability-only motorcycle coverage starting as low as about $75 a year (not available in D.C.). One personal finance site estimates full coverage for an adventure bike like the Honda Africa Twin at about $400 to $800 a year, and one national study puts average full coverage for all motorcycles at about $399 a year. Industry loss data shows dual-purpose motorcycles have the lowest collision claim rate of any motorcycle class. Your price depends on your bike's value and engine size, your age and riding record, where you live and park, and the coverage you choose.
- Quotes From Multiple Carriers: Compare options side by side instead of taking one company's price.
- Personalized Quotes: Based on your bike, your add-ons, and how and where you ride.
- Discounts You May Qualify For: Carriers we work with may offer savings for a rider safety course, anti-lock brakes, or bundling with other policies.
Average Cost Range (as of October 2026):
- Liability-Only Policies: From about $75 per year (Progressive's advertised starting price for one motorcycle; not available in D.C.).
- Full Coverage, Adventure Bikes: About $400 to $800 per year for a bike like the Honda Africa Twin, according to one personal finance site.
- Bike Value Matters: A new single-cylinder dual-sport can cost around $7,000, while a flagship adventure bike can top $20,000, so full coverage on the two won't cost the same.
Coverage Type | Liability-Only Policy | Full Coverage Policy |
|---|---|---|
Liability for damage or injuries you cause | ✓ | ✓ |
Damage to your bike (collision, theft, vandalism, fire) | Not included | ✓ |
Custom parts and accessories (panniers, crash bars, lights) | Not included | Varies by carrier (some include a base amount) |
Riding gear and carried belongings | Not included | Varies by carrier (some include a base amount for gear) |
Riding on unpaved roads | Varies by policy | Varies by policy |
Riding in Other Countries | Not included | Generally not included (a Mexican policy is required for liability if you ride in Mexico) |
Features to Look for When Shopping for Adventure and Dual-Sport Coverage with Roamly
- Clear Terms for Unpaved Roads: Ask the carrier directly whether gravel, dirt, and forest service roads are covered, and how closed trails are treated.
- Custom Parts and Equipment Coverage: Add up what your panniers, crash bars, skid plate, lights, and GPS are worth, and make sure your limit covers them.
- Riding Gear and Carried Contents: Look for coverage that helps replace your helmet, jacket, and the camping or travel gear strapped to the bike after a covered loss.
- Policy Territory: Check where the policy applies before a trip to Canada, and plan on buying a separate Mexican policy before riding south of the border.
- Value and Total-Loss Terms: Make sure the policy's value reflects what your bike is worth, especially on a higher-priced adventure model.
Ready to Protect Your Adventure Bike?
Get a Quote on Adventure and Dual-Sport Motorcycle Insurance That Fits How You Ride
Whether it's a gravel loop after work or a months-long trip with everything you own on the bike, Roamly works with carriers who understand adventure and dual-sport riding. We'll help you find coverage so you can focus on the road ahead, paved or not.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Usually not, compared with other motorcycles. Industry collision loss data for 2020–2024 models shows dual-purpose motorcycles have the lowest collision claim rate of any class and overall collision losses about a third of the average motorcycle. The bike's value still matters, so full coverage on a flagship adventure bike will usually cost more than on a smaller dual-sport.
It depends on the policy. Some street motorcycle policies exclude or limit off-road riding, and the terms for unpaved public roads versus closed trails aren't always spelled out. Ask the carrier or your agent directly before you head off pavement, and don't assume a crash on a dirt road will be covered.
Many U.S. motorcycle policies extend to Canada, but check your policy's coverage territory before you go. U.S. policies generally don't meet Mexico's legal requirements, so plan to buy a separate Mexican motorcycle policy before you cross the border.
Aftermarket add-ons are typically covered only up to your custom parts and equipment limit. Adventure builds can add up fast, so total what you've added and raise your limit if it's higher than what your policy includes.
A street-legal dual-sport that's titled and registered for the road is usually insured on a standard motorcycle policy. An off-road-only dirt bike may be insured differently, depending on the carrier. Rules for converting an off-road bike for street use vary by state, so check with your DMV and your insurer.
Policies typically exclude racing, timed events, and riding on a track, along with wear and tear and normal maintenance. Off-road riding may be excluded or limited depending on the policy, and accessories beyond your custom equipment limit may not be fully covered. Roamly can help you compare optional coverages that may fill some of these gaps.
Still have questions?
Call us at 877.725.1245
Buy Insurance for an Adventure Motorcycle
Find the Right Adventure and Dual-Sport Motorcycle Insurance with Roamly
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
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