It’s no secret that North Carolina drivers love motorcycles. We know this because there are over a quarter million of them registered in the state. Protective Agency is pleased to offer comprehensive motorcycle insurance solutions for riders across our great state.


Motorbike insurance is designed to not only protect you and your motorbike but your family as well. As great as it is to get on your motorbike and experience the open roads, being unprotected with inadequate insurance is as reckless as refusing to wear a proper helmet. It leaves you and your family vulnerable in the event of an accident or incident.  


Whether your bike is a 100cc scooter to mosey around the neighborhood or a massive hunk of Harley, we’ve got you covered for damages and liability. North Carolina motorcycle insurance is available as a packaged policy that allows the rider to pick and choose the coverage that best meets their budget and their needs.


Our Policy Package


We know how important peace of mind is to you and your family. We also know the joys and risks of riding your motorbike on the open road. As a result of our knowledge and understanding of what it means to ride, we know the best coverage to keep you protected financially, while you ride into the sunset. Here is a comprehensive list of our motorbike policy package:


  • Bodily Injury Liability: This coverage pays in the event you are liable for injuries to another person in an at-fault accident.
  • Property Damage: Property Damage coverage will pay to repair or replace another person’s property if you are liable for the accident.
  • Medical Payments (Med Pay): Med Pay is first person coverage that pays for medical expenses for the motorcycle rider and passenger if either or both are hurt in an accident, no matter who is at fault.
  • Uninsured Motorist Bodily Injury: This valuable coverage will pay for your injuries if you are hit by another driver who is uninsured or underinsured.
  • Uninsured Motorist Property Damage: If an uninsured or underinsured driver damages your motorcycle, this coverage will pay to repair or replace your bike.
  • Comprehensive: This provides protection if your bike is damaged for reasons other than an accident – such as vandalism, hitting an animal, or theft.
  • Collision: If you have a newer bike or a financed one, you’ll want collision coverage that pays to repair or replace your motorcycle in the event of an at-fault accident.


Options to Consider


At Protective Agency, our insurance professionals want you to have options. Our North Carolina motorcycle insurance will also provide coverage for additional personal equipment and services such as:

  • Saddlebags
  • Windshield
  • Helmet and safety gear
  • Electronics
  • Roadside assistance


This coverage will help alleviate the financial burden of any incident that damages your motorbike when out on the open road. Your life-saving helmet gets cracked; we cover that! Your saddlebags are ruined; we cover that! Your iPod is destroyed; we got that too! Even if you break down on the road and need a tow, we will be there to help.

If It’s Legal, We’ll Insure It


We understand that in today’s motorcycle marketplace, there are many different makes, models, and styles. Protective Agency’s motorbike insurance solution can handle the usual and the unusual. Our motto is “If it’s legal, we’ll insure it.” No longer worry about just your motorbike, we cover all recreational vehicles, like:


  • ATVs
  • Cruisers
  • Mopeds
  • Scooters
  • Dirt bikes
  • Three wheelers
  • Vintage and antiques
  • High-performance sports models


Affordable Rates & Discounts


Many motorcycle owners also own an automobile for everyday use but cannot put both vehicles on one policy. Knowing this, our insurance professionals will work to provide comprehensive motorcycle insurance at the most affordable rate. Our licensed agents will work to get all available discounts that you may be entitled to, including discounts for being a safe rider, taking a motorcycle safety course, and having an above-average insurance score.  We also offer bundled policies to further save you money. We will be happy to discuss each coverage option available and how each will benefit you and your passenger whenever you’re on the road.


Just remember, riding and owning a motorbike is a real thrill. But, with great fun, comes great responsibility. Protective Agency helps shoulder the burden so you can enjoy yourself out there.


Protect yourself and your ride with the most comprehensive motorbike insurance coverage in North Carolina -without breaking the bank. Call Protective Agency today for a free quote at (877) 739-9367.

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