Motorcycle Insurance – Ride Protected on the Open Road

There’s nothing like the freedom of riding through the rolling hills of Mercer County, along the Ohio backroads, or up toward Lake Erie on a sunny day. But whether you’re riding a Harley, a sport bike, or a touring motorcycle, Pennsylvania and Ohio law requires you to carry liability insurance—and smart riders go beyond the minimum to protect themselves and their bikes.



Rodgers & Co Insurance helps riders get the right motorcycle insurance in PA & OH—so you can focus on the ride, not the risks.

Coverage for Your Motorcycle Adventures

A motorcycle policy is built to protect both you and your bike. In Pennsylvania and Ohio, you must carry at least state-minimum liability coverage, but you can add options to protect your investment and reduce out-of-pocket costs if something happens.



We can help you choose:

  • Liability Coverage

    Pays for injuries or property damage you cause to others in an accident.

  • Collision Coverage

     Covers repairs to your bike if you hit another vehicle or object.

  • Comprehensive Coverage

    Protects against theft, fire, vandalism, weather damage, and animal strikes.

  • Accessory Coverage

     For custom parts, paint, and riding gear.

  • Uninsured / Underinsured Motorist Coverage

    Pays if you’re hit by a driver without enough insurance.

Discounts for Riders

Lower your premium with discounts you may already qualify for:

  • Motorcycle Safety Course

    Many carriers offer savings for completing a Motorcycle Safety Foundation (MSF) course.

  • Multi-Bike Discount

    Save when you insure more than one motorcycle.

  • Multi-Policy Discount

    Bundle your bike with auto insurance › or homeowners insurance for extra savings.

  • Seasonal Lay-Up

    Pay less during the months you’re not riding.

  • Safe Rider Discount

    Earn rewards for a clean riding record.

Specialized Bikes and Riders

From cruisers and sport bikes to touring motorcycles, trikes, and even vintage or custom builds—we can find a policy that fits. If you own a rare or high-value bike, we’ll help ensure it’s insured for its true value, not just a book number.

Local Riding Conditions and Laws

  • Pennsylvania

    Riders over 21 with two years’ experience or an MSF course may ride without a helmet, but wearing one can sometimes lower your injury risk—and potentially influence insurance costs.

  • Ohio

    No helmet required for riders over 18, but certain passenger and permit rules apply.

  • Local Roads

    Our area offers scenic country routes, but also wildlife crossings, seasonal road conditions, and rural curves—coverage for comprehensive claims like deer strikes is worth considering.

FAQs About Motorcycle Insurance

  • Do I need separate insurance for my motorcycle?

    Yes—motorcycles require their own policy; they aren’t covered under auto insurance.

  • Can I add my bike to my umbrella policy?

    Often yes, if your underlying liability limits meet the umbrella’s requirements. See our umbrella insurance › page for details.

  • Will my gear be covered if damaged in a crash?

    If you have accessory coverage, riding gear like helmets, jackets, and saddlebags may be covered.

  • How can I get the cheapest motorcycle insurance?

    Take a safety course, keep a clean record, bundle with home/auto, and choose the right coverage mix for your needs.

Get Your Motorcycle Insurance Quote Today

Before your next ride, make sure you and your bike are protected with the right coverage. Rodgers & Co will shop multiple carriers so you get a policy that’s both affordable and reliable.