Hit the Trails, Not Your Wallet: Understanding Dirt Bike Insurance

Whether you’re enjoying time at the track or exploring the great outdoors together with your family, dirt bikes bring excitement and adventure for riders of all ages. Although it is not technically an auto, with every ride comes a bit of risk, which is why having the right dirt bike insurance is so important. At Rollo Insurance, we’re here to help you protect what matters most: your loved ones and your peace of mind. Let us take care of the coverage, so you can focus on making memories, not managing mishaps.

What Types of Coverage are Needed for Dirt Bikes?

While dirt bikes usually aren’t meant for the streets and may not require the same insurance as a regular motorcycle, that doesn’t mean coverage isn’t important. Whether your family rides for fun on private land or hits the trails together on the weekends, having the right protection can make all the difference. Depending on where you ride and what works best for your budget, there are a few key coverage options worth considering to help keep everyone safe:

• Liability Coverage (Bodily Injury & Property Damage): Even if you’re riding off-road, accidents can happen. If you cause injury to another rider or damage someone else’s property (like a fence or another vehicle in a staging area), liability coverage can help protect you from costly lawsuits and out-of-pocket expenses for their medical bills and repairs. Some private riding parks or events may even require a minimum level of liability coverage.
• Medical Payments Coverage: This coverage can help pay for your own medical expenses if you’re injured in a dirt bike accident, regardless of who is at fault. It can be valuable for covering immediate medical bills, co-pays, and deductibles from your health insurance.
• Uninsured/Underinsured Motorist Coverage: While less common in off-road scenarios, there’s still a chance you could be involved in an accident with an uninsured or underinsured vehicle (e.g., another off-road vehicle without insurance). This coverage can help pay for your injuries and damages in such a situation.
• Comprehensive Coverage: This protects your dirt bike from damage or loss caused by events other than a collision, such as theft, vandalism, fire, natural disasters (like hail or wind), or hitting an animal. Given the risk of theft for off-road vehicles, comprehensive coverage can be a smart investment.
• Collision Coverage: This covers damage to your dirt bike if you collide with another object, such as another bike, a tree, or a rock. If you’ve financed your dirt bike, your lender may require collision coverage.
• Transport Trailer Coverage: If you use a trailer to transport your dirt bike, this coverage can protect the trailer itself from damage or loss.
• Coverage for Custom Parts and Accessories: If you’ve invested in aftermarket parts or accessories for your dirt bike, you can often get additional coverage to protect these upgrades.
• Theft Coverage: As mentioned under comprehensive, having specific theft coverage ensures you’re protected if your dirt bike is stolen. This can cover theft from your property or even from a transport trailer.

What is the Average Cost of Dirt Bike Insurance?

The average cost of dirt bike insurance can vary significantly based on several factors, including:

• Your Age and Riding Experience: Younger, less experienced riders are often seen as higher risk and may face higher premiums.
• Your Location: Insurance rates vary by state and even region due to factors like population density, accident rates, and legal requirements.
• The Make and Model of Your Dirt Bike: More powerful or expensive bikes may cost more to insure.
• Your Coverage Choices and Limits: The more coverage you select and the higher your limits, the higher your premium will be. Choosing a higher deductible can lower your premium but increase your out-of-pocket costs in case of a claim.
• Your Riding Habits: If you primarily ride on private land versus public trails or participate in competitive events, this can influence your rates.
• Your Insurance History: A clean riding record with no prior claims will generally result in lower premiums.

While averages can fluctuate, you might expect to see monthly premiums for basic liability coverage for a dirt bike ranging from as low as $10 to $30.

For more comprehensive coverage (including collision and comprehensive), the average monthly cost can range from $50 to $100 or more.

Keep in mind that these are just averages. Your actual cost could be higher or lower depending on your individual circumstances.

Rollo Insurance: Your Partner in Off-Road Protection

With the right insurance in place, you can enjoy every ride with the confidence that you, your loved ones, and your bike are well protected. We’re committed to helping you choose coverage that fits your needs and supports the lifestyle you value. Reach out today for a customized quote, and let’s make sure every adventure is backed by peace of mind.