Peace of Mind Under One Roof

Click to Call Click to Text
Rich Insurance Agency LLC

5752 N Broadway
Kansas City, MO 64118

Get Directions

Missouri Motorcycle Insurance Coverage

Motorcycle Insurance in Missouri

The best way to protect your motorcycle investment is to obtain insurance. We offer various types of motor coverage here at Rich Insurance Agency LLC in Kansas City, MO. Without insurance, you can face license suspension, fines, and other penalties. If you get into an accident, your insurance will cover damage to your bike and even pay for medical expenses if you are injured.

Motorcycle Insurance Requirements

Motorcycle insurance is legally required in the state of Missouri. Missouri is also an “at fault” insurance state. If you do not have the required coverage and cause an accident, this is where those penalties and fines come in.

You should maintain liability insurance with the following limits:

  • Bodily injury for one person $25,000
  • Bodily injury for two or more persons for $50,000
  • Property damage coverage for $10,000

Motorcycle Insurance Coverage

Besides the minimum liability requirements, you can also aim for full coverage as follows:

  • Collision- This will protect your motorcycle following an accident with another motorist.
  • Uninsured/underinsured- Getting into an accident with a motorist who doesn’t have insurance can be frustrating. However, this coverage will protect you against these types of drivers who happen to cause an accident. It will cover your medical expenses and any lost wages.
  • Comprehensive- If your bike becomes damaged from water, theft, vandalism, fire, or wind, this will cover the costs of replacing or repairing your bike.
  • Medical payments- Following an accident, if you or your passengers are injured, this will cover your medical payments, including co-payments, deductibles, prescriptions, etc.


To obtain a quote for motorcycle insurance, give us a call here at Rich Insurance Agency LLC. We are located in Kansas City, MO. Our agents will work with you to find the most appropriate coverage for your needs.

Request a Quote

Servicing States

  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Georgia
  • Iowa
  • Illinois
  • Indiana
  • Kansas
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • Nevada
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming


Partner Carriers

  • Aegis
  • AIG
  • American Modern
  • American National
  • Ameritas
  • Amtrust
  • Argenia
  • Assurity
  • AU Gold
  • biBERK
  • Canal
  • Cover Whale
  • Crum & Forster
  • Elephant
  • Encompass
  • Ethos
  • Foresters Financial
  • Heritage Insurance
  • Hippo
  • Hiscox
  • John Hancock
  • Lemonade
  • Markel
  • Minnesota Life – Securian
  • Mutual of Omaha
  • National General
  • National Indemnity
  • Nautilus Insurance Group
  • NEXT
  • North American Company for life and health insurance
  • Northland Ins Co
  • Openly
  • Prime
  • Progressive
  • Protective
  • Prudential
  • SafeCo
  • SafePoint Insurance
  • Sagicor Life
  • SBLI
  • Transamerica
  • Travelers
  • USLI
  • Vacant Express
  • Velocity