Ohio Motorcycle Insurance

Motorcycle Insurance for Riders in the Buckeye State

Rider-focused motorcycle insurance for on and off-road motorcycles, ATV / UTVs and other powersport vehicles is available in Ohio. Get a quote online, or learn more about Ohio motorcycle insurance, below.

Ohio state outline.

Rider-Focused Insurance

Boundless Rider has rolled out rider-focused insurance in Ohio for on and off-road motorcycles and powersport vehicles. By choosing Boundless Rider for insurance, not only will riders in Ohio get affordable coverage, they’ll have access to innovative rider perks and resources. Enjoy low rates, insurance discounts and many optional coverages to choose from for better protection, including comprehensive and collision coverage, and optional higher limits.

We’ve got you covered.

Mandatory Insurance in Ohio

Motorcycle Insurance Requirements

In Ohio, you must have liability insurance before registering and operating a motorcycle. Mandatory coverages include bodily injury liability, guest passenger liability, and property damage liability. 

Ohio-required minimum limits of liability coverage for bodily injury (BI) and guest passenger liability (GP) are $25,000 per person, $50,000 per accident, and $25,000 property damage (PD) coverage per accident.

Optional Coverages: Higher Limits, UMPD & Medical Payments

Limits of Liability for Bodily Injury, Options for Higher Limits (Per Person / Per Accident)

  • 25,000 / 50,000 (mandatory minimum)
  • 50,000 / 100,000
  • 100,000 /300,000
  • Call for Higher Limits

Limits for Guest Passenger Liability (Per Person / Per Accident)

  • 25,000 / 50,000 (mandatory minimum)
  • 50,000 / 100,000
  • 100,000 /300,000
  • Call for Higher Limits

Limits for Property Damage Liability

  • 25,000 (mandatory minimum)
  • 50,000
  • Call for Higher Limits

Uninsured / Underinsured Motorist – Bodily Injury Coverage (UMBI is optional)

  • 25,000 / 50,000
  • 50,000 / 100,000
  • 100,000 / 300,000
  • Call for Higher Limits

Uninsured / Underinsured Motorist – Property Damage Coverage (UMPD is optional)

  • 7,500 ($250 deductible)

Medical Payments Coverage (optional)

  • $500
  • $1,000
  • $2,000
  • $5,000

Optional Coverages: Comprehensive & Collision

Although not required, in order to protect your vehicle from physical damage, regardless of fault, these coverages should be considered. 

Optional Insured Motorcycle and Powersport Vehicle Coverage

  • Comprehensive (ACV up to $60k)
  • Collision (ACV up to $60k)

Deductible Options (Comp & Collision only)

  • $100
  • $250
  • $500
  • $1000

Optional Coverage Enhancements (Comp & Collision only)

  • Helmet & Safety Apparel (included), $2k limit
  • Physical Damage Plus (OEM parts coverage)
  • Replacement Cost Coverage (motorcycle only)

Optional Equipment Coverage (Comp & Collision only)

  • $5000 included on motorcycles with Comprehensive (including dual-sport bikes)
  • $1000 included on off-road vehicles with Comprehensive (including dirt bike, ATV, UTV, snowmobile)
  • Limits up to $20K available for purchase

Additional Optional Coverages

Boundless Rider offers several ways for riders to customize their motorcycle insurance coverage, or powersport vehicle insurance coverage, to suit their individual needs.

Whether you transport bikes with a trailer or simply want better protection, our rider-focused insurance coverage enhancements are a great way to fit your insurance policy to your unique needs as a rider.

Check out some of our optional insurance coverage enhancements and endorsements.

Get Ready to Roll

Ride Boundless … on the roads of Ohio!

Get a quick motorcycle insurance quote to discover a new level of protection with Boundless Rider. Whether you ride through Cleveland, Cincinnati, Toledo, Akron or Dayton, we’ve got you covered. 

Not an Ohio resident? No worries. We also offer motorcycle insurance in Arizona, Texas & Illinois. Chances are we’ll be heading to your state soon. Join our waitlist to be notified when we roll into your state. 

Content on this page is intended as advertising statements and is not an offer or promise of insurance coverage. This content should not be relied on when determining actual terms, conditions and exclusions applicable to a specific insurance policy. Limits and restrictions may apply. Always check with your agent about specific policy coverages, as well as applicable website(s) for state insurance coverage requirements.

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