Motorcycle insurance in the United States starts with liability: bodily injury and property damage you cause. Most states require it to register a street motorcycle. Minimum limits are often too thin for a real crash — many riders buy 100/300/100 or higher.
Collision pays for your bike after a crash that is your fault. Comprehensive covers theft, vandalism, fire, and weather. Uninsured and underinsured motorist cover the other rider or driver who has little or no insurance. Custom parts and aftermarket exhaust need an accessory or stated-amount endorsement or they are not on the policy.
Quotes are expensive relative to cars because injury severity is high. Age, years licensed, MSF completion, garage vs street parking, annual miles, and the bike’s MSRP all move the number. Cruisers and touring bikes often price differently than sportbikes of the same year.
“Motorcycle insurance” is a high-volume commercial query. Compare liability limits and deductibles, not only the monthly price. Ask whether the policy covers a passenger, track days, or riding in another state.