Motorcycle Insurance for Dirt Bikes & Off-Road
Find the Right Dirt Bike Insurance with Roamly
Coverage Options for Trail, Enduro, and Off-Road Bikes, From Carriers Who Know the Trail
Why Choose Roamly for Dirt Bike Insurance?
- Multiple Carriers, One Quote: For motorcycle and off-road coverage, Roamly compares policies from a panel of carriers, so you're not limited to one company's option.
- Liability Options for the Trail: Carriers we work with may cover damage or injuries you cause to other riders, fences, and property while you're riding off-road.
- Theft Protection Options: Comprehensive coverage from carriers we work with may help replace a dirt bike that's stolen from your garage, truck, or trailer.
- Coverage for the Whole Family: We'll help you make sure everyone who rides your bike is listed, so the policy fits how your household actually rides.
- 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 a dirt bike lives a different life than a street bike. It rides in the back of a truck, gets passed between family members, and spends weekends on trails and in riding parks, and we'll help you find a policy that fits how you ride.
How Much Does Dirt Bike Insurance Cost?
Dirt bikes are usually among the least expensive motorcycles to insure, partly because most aren't ridden on public roads. As of October 2026, Progressive advertises liability-only coverage for dirt bikes starting as low as about $75 a year (not available in D.C.). One comparison site found average dirt bike insurance costs of about $13 a month for minimum coverage and about $66 a month for full coverage, averaging rates from three national carriers. Your price depends on your bike's value, who rides it, your riding record, where you live and store the bike, 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, everyone who rides it, and where you keep it.
- Discounts You May Qualify For: Carriers we work with may offer savings for a rider safety course, an anti-theft device, or insuring more than one vehicle.
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.).
- Minimum Coverage, Average: About $13 per month, according to one comparison site's average of three national carriers.
- Full Coverage, Average: About $66 per month in the same comparison, depending on the carrier.
Coverage Type | Liability-Only Policy | Full Coverage Policy |
|---|---|---|
Liability for damage or injuries you cause | ✓ | ✓ |
Damage to your bike in a crash | Not included | ✓ |
Theft, vandalism, and fire | Not included | ✓ |
Medical payments | Optional | Optional |
Racing, motocross events, and track riding | Typically excluded | Typically excluded |
Coverage under a homeowners policy | Usually little or none off your property | Usually little or none off your property |
Features to Look for When Shopping for Dirt Bike Coverage with Roamly
- The Right Policy Type: Make sure the policy matches your bike. A street-legal, registered dirt bike usually goes on a motorcycle policy, while an off-road-only bike may be covered under a motorcycle policy or a separate off-road policy, depending on the carrier.
- Liability Coverage: Look for liability limits that protect you if you injure another rider or damage property on the trail, and that meet any requirement where you ride.
- Comprehensive Coverage for Theft: Dirt bikes are easy to load and haul away, so look for comprehensive coverage that protects the bike in your garage, truck, or trailer.
- All Riders Listed: If family members or friends ride your bike, ask the carrier who needs to be listed on the policy and whether any age rules apply.
- Clear Racing and Track Terms: Ask exactly how the policy treats motocross tracks and organized events, since most policies exclude racing and timed events.
Ready to Protect Your Dirt Bike?
Get a Quote on Dirt Bike Insurance That Fits How You Ride
Whether it's weekend trail rides with the family or a long day at the riding park, Roamly works with carriers who understand off-road bikes. We'll help you find coverage so you can focus on the trail.
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.
It depends on your state and where you ride. Some states require liability insurance for off-road motorcycles, while others only require a registration or permit. Some riding parks and tracks may require proof of insurance, and a street-legal dirt bike needs to meet your state's motorcycle insurance requirements. Check the rules where you live and ride.
Usually not much. Homeowners policies often provide little or no coverage for off-road vehicles, especially once you ride off your own property, and they usually won't cover theft or damage to the bike itself. A separate dirt bike policy is the safer way to be covered.
Typically no. Most dirt bike and motorcycle policies exclude races, timed events, speed tests, and riding on a track. If you race, ask the track or event organizer about event coverage, and check whether a riding organization you belong to offers an accident medical plan.
Often, but they may need to be listed on the policy. Listing everyone who rides your dirt bike helps make sure your quote is accurate and that coverage applies when they ride. Carriers set their own rules for younger riders, so ask before you buy.
Yes, if you have comprehensive coverage. Liability-only policies don't cover your own bike, so if your dirt bike is stolen from your garage, truck, or trailer, you'd need comprehensive coverage for the theft to be covered, subject to your policy's terms and deductible.
Policies typically exclude racing, timed events, and track riding, along with wear and tear and normal maintenance. Liability-only policies don't cover damage to or theft of your own bike, and riding gear or aftermarket parts may not be covered unless the policy includes them. 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 a Dirt Bike
Find the Right Dirt Bike 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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