Motorcycle Insurance in Yardley, PA - Compare Quotes & Save
Riding around I-95, US-1, PA-32, and near the Delaware River demands coverage for suburban and highway travel. We’ll set the right liability, UM/UIM, and MedPay, protect your bike with comprehensive & collision, and schedule accessories-all while unlocking real rider discounts.
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 that better fit Yardley’s suburban and highway riding.
First-Party Benefits
PA’s no-fault system provides Personal Injury Protection (PIP) for medical expenses, but it may not fully cover motorcycles. Add Medical Payments (MedPay) for extra protection.
Helmet & Eye Protection
PA has a universal helmet law for riders under 21 or with less than two years of experience; all must wear eye protection unless the motorcycle has a windshield.
Inspection & Lane Splitting
PA requires annual safety inspections for motorcycles. Lane splitting is not permitted-ride safely within your lane.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Yardley Riding
Liability (BI/PD)
- Start at $100k/$300k or $250k/$500k BI for highway areas
- Property Damage: $50k-$100k common
UM/UIM
- Match to your BI limits to protect from underinsured drivers
- Stacking options vary by carrier
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Theft, vandalism, weather, animal strikes, crash damage
- Choose deductibles that fit your cash cushion
Custom Parts / Accessories
- Most policies include a small amount automatically (e.g., $1,000)
- Schedule added value for luggage, bars, windscreens, lighting, seats
Roadside & Trip Interruption
- Towing, jumpstarts, flats-peace of mind on I-95
- Hotel/meals after a covered breakdown or claim (carrier-specific)
Safety pays: ABS-equipped models show lower crash rates-many insurers offer an ABS discount.
Yardley Riding Realities (and How We Insure Around Them)
- Highway and suburban traffic: From I-95 to local roads, visibility and speed matter-favor higher BI/PD and UM/UIM.
- Theft risk: Secure garaging can help pricing. Pair with higher comprehensive and accessories limits.
- Weather variations: Seasonal riders should consider appropriate deductibles and roadside assistance.
Getting Your PA Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Basic RiderCourse (BRC)
- Pass the course; bring completion card to PennDOT
- Add the M endorsement (often no road test needed)
Permit + Testing Path
- Get motorcycle examination permit (knowledge + vision)
- Practice under permit restrictions
- Take PennDOT road test; add M endorsement
Bike Size & Restrictions
Testing on a small-displacement bike can trigger restrictions. Completing an approved course typically removes this-ask us if you’re unsure.
See Why Customers Love Us
What Yardley Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $100k/$300k/$50k or $250k/$500k/$100k | For highway and suburban risks |
| UM/UIM | Match BI | Protects you from low-limit drivers |
| MedPay | $5k-$25k | Supplement to PA’s no-fault benefits |
| Comp/Collision | $250-$1,000 deductibles | Adjust based on riding frequency |
| Accessories | $3k-$10k+ | Document with photos & receipts |
| Roadside | Included or add-on | Towing and trip interruption vary by carrier |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers side-by-side, match UM/UIM to your BI, and schedule accessories so you’re fully covered.
Get Your Motorcycle Insurance Quote in Yardley
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Yardley, PA
Is lane splitting legal in Pennsylvania?
No, lane splitting is not permitted in PA. Ride within your lane to avoid citations.
Do motorcycles get PIP benefits in PA?
PA’s no-fault PIP may apply, but coverage can vary. Add MedPay and strong UM/UIM for full protection.
What are the current PA minimum insurance limits?
For policies now, at least 15/30/5. We’ll quote higher limits for better protection in suburban areas.
Do I need a helmet and eye protection?
Riders under 21 or with less than two years’ experience must wear a helmet; eye protection is required unless your bike has a windshield.
Do motorcycles require inspections?
Yes, annual safety inspections are required in PA.
Will ABS lower my premium?
Many carriers discount ABS due to its safety benefits.
