Affordable Motorcycle Insurance in New Hampshire

Important NH Motorcycle Insurance Considerations

Is a “lay-up” policy right for your motorcycle use?

When you can’t ride your bike in the winter, a lay-up policy gives you the benefit of increased savings.

A motorcycle that is stored for an extended period of time does not need to be fully insured. With a lay-up insurance policy, all coverage except comprehensive is suspended for a specific period of time. Contact our motorcycle insurance agency in Franklin NH to discuss this great seasonal coverage option.

Talk To Us About Optional Motorcycle Equipment Coverage in NH

Look into purchasing optional equipment coverage if you want to customize your motorcycle. The majority of motorcycle insurance policies cover only the factory-standard parts, and we want to make sure your NH motorcycle insurance covers your entire investment.

Motorcycle Coverage Basics

A. Liability Insurance Coverage

If you cause bodily injury or property damage to another person in a motorcycle accident, your liability insurance will cover that.

B. Collision Coverage:

In the event of an accident, collision insurance covers damage to your motorcycle, minus your deductible. Motorcycle collision insurance typically covers the bike’s book value before the loss.

C. Comprehensive Coverage

Fire, theft, vandalism and other damage not caused by a collision are covered by comprehensive coverage. As with collision insurance coverage, your policy will pay for damage, minus your deductible, but will only cover the bike’s book value.

So How Much Does Motorcycle Insurance cost in New Hampshire?

According to the Motorcycle Legal Foundation

Based on a 45-year old male the average cost for motorcycle insurance in NH is $352/year. This is also based on coverage limits of $300,000 per accident for bodily injury coverage, and $50,000 in property damage coverage.