The Complete Guide to Dirt Bike Insurance

dirt bike insurance

Dirt Bike Insurance Guide

There are few sports that are more thrilling, heart-pounding, and challenging than dirt biking. You are bouncing over hills and truly taking things to the next level. In the past, dirt bikes have always fallen into an insurance gray area. They are not cars or motorcycles so they don’t fall under the typical insurance categories. That said, every dirt bike would like to think that they would never fall, but that’s not necessarily realistic, which is why insurance is important. Here’s some essential information about dirt bike insurance for you to know so that you can make sure are covered.


Type of Bike

A dirt bike is considered as a bike that typically is not street-legal. They are lightweight, have large tires, tough suspensions and no mirrors, taillights, and headlights (this is why they are typically not street legal).

That’s no problem because we can cover you for nearly any type of bike for whatever use. Some of the most popular styles that we cover under our dirt bike insurance plans include:

Pit bikes

Dirt/off-road bikes


Honda CR/CRF



KTM and other brands including some customs


Types of Coverage

There is a wide range of insurance options available for all kinds of riders. Whether you just take it once around the park or hit the major hills at the motocross park, we have something for you. Unlike other companies, dirt bikes fall under our motorcycle coverage policies which ensure you get the best coverage at the best price.


What to Look For in the Insurance Policy

With any type of vehicle insurance, you are going to want to be certain that there are provisions for bodily injury and property damage. This helps cover any damage that you might cause to property, other bikes, and even injuries to other riders and bystanders. It also includes provisions in case you are sued for damages. This is essential because you never know what can happen.


Comprehensive and Collision

This is again another industry standard.  This includes the damage done to your bike and helps you pay for them. With compressive, you choose the deductible. Generally, the higher your deductible, the lower your overall insurance costs. So if you choose a $500 deductible, you pay for that and your insurance company will cover the rest.



You need to be covered in case there is an accident. Even if you have good health insurance, you might not be covered under the circumstances of riding a dirtbike. Whether you are at fault or not, medical covers you so you don’t have to break your wallet to get the treatment you have.


Have Peace of Mind No Matter Where You Are

Riding a dirt bike is the ultimate thrill. It is a fast-paced and exhilarating challenge that tests are all of your nerves. But even if you are the best biker on the road, accidents can happen. So check out our dirt bike and moto insurance options so that you can have the peace of mind to know you are prepared for anything!

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