Motorcycle Insurance for Touring
Find the Right Touring Motorcycle Insurance with Roamly
Coverage Options for Full-Dress Tourers, Baggers, and Long-Haul Bikes, From Carriers Who Know the Road
Why Choose Roamly for Touring 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.
- Trip Interruption Options: Carriers we work with may help pay for food, lodging, or transportation when a covered breakdown or crash strands you far from home.
- Two-Up Coverage Options: Carriers we work with may offer guest passenger liability and medical payments options for the person riding with you.
- Accessory Coverage Options: Coverage options may be available for the audio, lighting, seats, and luggage you've added to your bike.
- 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 touring bike is built to be a long way from home. A breakdown three states away, a passenger on the back, and a bike that can cost as much as a car all change what your coverage needs to do, and we'll help you find a policy that fits how you ride.
How Much Does Touring Motorcycle Insurance Cost?
Touring bikes often sit in the middle on price: industry loss data shows they generally cost less to insure for collision than supersport bikes, but they cost more to repair than most cruisers. As of October 2026, Progressive advertises liability-only motorcycle coverage starting as low as about $75 a year (not available in D.C.). One national study puts average full coverage for motorcycles at about $399 a year, though a touring bike's higher value and repair costs can push full coverage above that. Industry loss data shows touring bikes are in fewer collision claims than cruisers, but each claim costs more, so overall collision losses run about a third higher. Your price depends on your bike's value, your age and riding record, how many miles you ride, 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 miles, and who rides with you.
- Discounts You May Qualify For: Carriers we work with may offer savings for a rider safety course, anti-lock brakes, paying in full, 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 Policies: About $399 per year on average for motorcycles in one national study; touring bikes can cost more, depending on the bike's value and the rider.
- Touring vs. Cruisers: Industry collision loss data for 2020–2024 models shows touring bikes have about a third higher collision losses than cruisers.
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, audio, and accessories | Not included | Varies by carrier (some include a base amount) |
Guest passenger liability and medical payments | Varies by state | Varies by state |
Trip interruption | Not included | Varies by carrier |
Belongings carried on the bike | Not included | Varies by carrier |
Features to Look for When Shopping for Touring Coverage with Roamly
- Trip Interruption Coverage: Ask whether the policy helps pay for food, lodging, or transportation when a covered breakdown or crash strands you away from home, and check the dollar limit and how far from home you need to be.
- Guest Passenger Coverage: If you ride two-up, make sure the policy includes guest passenger liability and medical payments limits that fit.
- Custom Parts and Accessory Coverage: Check how much coverage applies to the audio, lighting, seats, and trunks you've added, and add more if your accessories are worth more.
- Carried Contents Coverage: Ask whether the luggage and personal belongings you carry on the bike are covered after a covered loss.
- Value Limits and Total-Loss Terms: Compare the policy's value limits with what your bike and accessories are worth, and ask how a new bike is valued after a covered total loss.
Ready to Protect Your Touring Bike?
Get a Quote on Touring Motorcycle Insurance That Fits How You Ride
Whether it's a weekend loop through the mountains or a coast-to-coast trip two-up, Roamly works with carriers who understand touring bikes. We'll help you find coverage so you can focus on the miles.
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.
They often cost less to insure than supersport bikes but more than many cruisers. Industry collision loss data for 2020–2024 models shows touring bikes are in fewer collision claims than cruisers, but each claim costs more because the bikes are bigger and pricier to repair. Collision coverage pays for damage to the bike, so most of that difference comes from repair costs.
Trip interruption coverage can help pay for food, lodging, and transportation if a covered breakdown or crash leaves you stuck away from home. Carriers handle it differently: some set a dollar limit, some only apply it once you're more than a set distance from home, and some require you to add another optional coverage first. Ask how a policy handles it before a long trip.
Sometimes. Guest passenger liability can cover your passenger's injuries when you cause a crash, and medical payments coverage can help with medical bills for you and your passenger regardless of fault. Some states require guest passenger liability as part of a standard policy and others don't, so check how your policy handles a passenger.
Factory-installed equipment is usually covered as part of the bike. Accessories you've added are typically covered only up to your custom parts and equipment limit, and the belongings inside your bags may need separate carried contents coverage. Check your limits against what your add-ons are worth.
The biggest factors are your bike's make, model, and value, your age and riding record, how many miles you ride each year, where you live and park the bike, your credit in states that allow it, and the coverage and deductible you choose. Anti-lock brakes, a rider safety course, or paying in full may also earn a discount with some carriers.
Policies typically exclude wear and tear and normal maintenance, and mechanical breakdown is usually an optional add-on where it's offered. Accessories beyond your custom equipment limit and modifications you didn't disclose may not be fully covered, and racing or riding on a track is typically excluded. 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 Touring Motorcycle
Find the Right Touring 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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