Motorcycle Insurance Coverages

See what’s covered under a motorcycle insurance policy from Foremost.

Replacement Cost Total Loss Settlement

Foremost policies with the Elite package provide replacement cost coverage for up to five years on bikes purchased new. This coverage does not apply to custom, classic or vintage motorcycles.

Transport Trailer Coverage

This provides coverage for a specifically designed trailer to transport your motorcycle (valued up to $10,000).

Helmets & Safety Apparel Coverage

This provides coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.

Optional Equipment Coverage

Optional equipment coverage is included in the Plus and Elite packages. You can also increase your limits on optional equipment coverage up to $30,000, which is great for custom paint, chrome, sidecars and other additions to your ride that were not originally provided by the manufacturer.

Perfect for the price-conscious shopper who wants basic coverage at an affordable cost.

Includes $500 Helmet and Safety Apparel coverage, First Accident Forgiveness, available Optional Equipment (ACV) and optional Towing and Roadside Assistance.

Designed for the customer trying to balance both coverage and price.

First Accident Forgiveness, Total Loss Settlement (two yrs.), $3,500 Optional Equipment, $1,500 Helmet and Safety Apparel, Towing and Roadside Assistance, Trip Interruption and Track Day coverage are just a few of the items that make the Plus Package a popular choice.

For those who want the most coverage to protect their lifestyle.

We've taken the Plus Package and added Diminishing Deductible, Deductible Waiver, Enhanced Rental, Permissive Use Rental, Total Loss Settlement (five yrs.), $5,000 Optional Equipment at Replacement Cost, $2,000 Personal Effects at Replacement Cost, $2,500 Helmet and Safety Apparel and more!

Created for customers with motorcycles age 25 and older that have been maintained or restored to original condition.

Intended for those with limited production, one-of-a-kind motorcycles or bikes with more than $30,000 in optional equipment.

Designed for customers who have Low-Speed and Neighborhood Electric Vehicles.

For those who want only Liability coverage. Includes First Accident Forgiveness and available Towing and Roadside Assistance.

Motorcycle Insurance Discounts

Here are just a few of the ways your can save money by choosing Foremost:


Receive a discount if you have more than one unit insured on the same policy. The more you have, the more you save!


Our multi-policy discount applies to policies with all Farmers® companies, including Foremost and Bristol West®.


For riders who have fulfilled their state requirements and have the motorcycle endorsement on their driver’s license.

FAQ Motorcycle Insurance

Have questions about motorcycle insurance? We have answers!

Yes, custom additions are covered as part of optional equipment coverage, but make sure you purchase the coverage you need for your additions!
Yes, collision and other-than-collision coverages are optional and do not need to be purchased.
Collision is an optional coverage. Depending on the value of your motorcycle and your risk tolerance, you may want to purchase collision coverage. If you have taken a loan out to purchase your motorcycle, though, your lienholder may require you to purchase collision coverage.

Start the Ride to A better Insurance Experience® with a Motorcycle Insurance Quote.