Motorcycle Insurance in Moore, PA - Compare Quotes & Save
Navigating the roads around I-78, PA Route 33, and the Lehigh Valley Thruway requires coverage tailored for suburban and highway riding. We’ll set the right liability, UM/UIM, and MedPay, protect your bike with comprehensive & collision, and schedule accessories-all while unlocking rider discounts for safety and storage.
Pennsylvania Requirements (What You Must Know)
Minimum Liability
Current PA minimums are $15,000/$30,000 bodily injury and $5,000 property damage. We’ll quote higher limits to better suit Moore’s driving conditions and potential claims.
No PIP on Motorcycles
Standard PA auto PIP does not apply to motorcycles. Add Medical Payments (MedPay) to cover medical expenses regardless of fault.
Helmet Law
PA requires helmets for riders under 21 or with less than 2 years of experience. Always use approved helmets and eye protection for safety.
Inspection & Lane Splitting
Annual safety inspections are required for motorcycles in PA. Lane splitting is not permitted-follow traffic laws to avoid penalties.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Moore Riding
Liability (BI/PD)
- Start at $100k/$300k or $250k/$500k BI for area risks
- Property Damage: $50k-$100k to cover potential damages
UM/UIM
- Match to your BI limits to protect from underinsured drivers
- Stacking options available depending on the carrier
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Covers theft, weather, animal strikes, and crash damage
- Select deductibles based on your financial situation
Custom Parts / Accessories
- Most policies include basic coverage (e.g., $1,000)
- Schedule additional value for custom items like bars and luggage
Roadside & Trip Interruption
- Towing, jumpstarts, and more for peace of mind on local roads
- Hotel and meal coverage after breakdowns (carrier-specific)
Safety pays: ABS-equipped bikes often qualify for discounts and have lower crash rates according to studies.
Moore Riding Realities (and How We Insure Around Them)
- Highway and suburban traffic: Around I-78 and local routes, visibility is key-opt for higher BI/PD and UM/UIM limits.
- Theft and weather risks: Garaging your bike can reduce premiums; pair with comprehensive coverage.
- Seasonal weather: Consider lower deductibles for comp/collision due to snow and rain in PA.
Getting Your PA Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved rider safety course
- Complete the course and use the certificate at PennDOT
- Add the endorsement without a road test in many cases
Permit + Testing Path
- Obtain a motorcycle permit through knowledge and vision tests
- Practice riding under permit restrictions
- Pass the road test at PennDOT to get your endorsement
Bike Size & Restrictions
Restrictions may apply based on bike size; completing a course can often waive them-check with us if needed.
What Our Customers Are Saying
What Moore Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $100k/$300k/$50k or $250k/$500k/$100k | For PA's traffic and claim potentials |
| UM/UIM | Match BI | Protection from underinsured motorists |
| MedPay | $5k-$25k | No PIP for motorcycles in PA |
| Comp/Collision | $250-$1,000 deductibles | Adjust for seasonal riding |
| Accessories | $3k-$10k+ | Document all custom additions |
| Roadside | Included or add-on | Essential for PA's varied terrain |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers, match UM/UIM to your BI, and ensure accessories are covered.
Get Your Motorcycle Insurance Quote in Moore
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Moore, PA
Is lane splitting legal in Pennsylvania?
No, lane splitting is not permitted in PA. Riders should adhere to traffic laws to avoid citations.
Do motorcycles get PIP benefits in PA?
No. PA’s PIP benefits do not apply to motorcycles. Consider MedPay and UM/UIM for protection.
What are the current PA minimum insurance limits?
For policies now, at least 15/30/5. We recommend higher limits for better coverage in areas like Moore.
Do I need a helmet in PA?
Yes, for riders under 21 or with less than 2 years experience. Eye protection is also advised for safety.
Do motorcycles require inspections in PA?
Yes, annual safety inspections are required. Ensure your bike meets all standards.
Will ABS lower my premium?
Many carriers offer discounts for ABS, as it reduces crash risks based on safety studies.
