Motorcycle Insurance in Worthington, OH & Delaware, OH
Motorcycle insurance is a policy designed to help with the financial impact of accidents, theft or liability claims involving your bike. Similar to auto insurance, you can tailor your motorcycle policy to fit your needs and budget.
What Is Motorcycle Insurance? 
Motorcycle insurance is a policy built to address the unique needs of two- or three-wheeled vehicles. It may help cover the costs of repairs or damage after an accident. Depending on your riding habits and the value of your bike, coverage can be adjusted to suit how and where you ride.
Who Needs Motorcycle Insurance? What Are the Benefits?
In Ohio, all riders are required to carry minimum liability coverage. But even beyond that legal requirement, motorcycle insurance can offer coverage in situations like:
- Paying for repairs after a crash
- Covering medical expenses for you or your passenger
- Replacing your bike if it’s stolen or vandalized
- Handling legal claims if you’re found at fault in an accident
Having appropriate coverage means you can ride knowing that the financial side of an unexpected event is less likely to set you back.
How Much Motorcycle Insurance Do I Need?
At minimum, you’ll need to meet Ohio’s liability coverage requirements. However, most riders go beyond that by adding:
- Collision and comprehensive coverage, for damage unrelated to liability
- Uninsured/underinsured motorist coverage, in case you’re hit by a driver with little or no insurance
- Medical payments, which may help cover accident-related injuries for you and your passenger
- Custom parts and equipment coverage, if you’ve upgraded your bike beyond its factory specs
The coverage you choose depends on the bike you ride, how often you ride and your comfort with financial risk.
Talk to a Local Agent Who Understands Riders
Ankrom Agency helps riders in Worthington, OH & Delaware, OH build policies that reflect real needs, not just legal minimums. Contact us today to request a quote.