{"id":4989,"date":"2021-01-14T00:42:22","date_gmt":"2021-01-14T00:42:22","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=4989"},"modified":"2026-03-03T18:21:52","modified_gmt":"2026-03-03T18:21:52","slug":"motorcycle-insurance-all-year","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/motorcycle-insurance\/understanding-motorcycle-insurance\/motorcycle-insurance-all-year\/","title":{"rendered":"Do You Need Motorcycle Insurance All Year Long?"},"content":{"rendered":"\n<p>You love riding your motorcycle, and you understand the importance of protecting yourself with insurance. Still, you can\u2019t help but ask, \u201cDo I need motorcycle insurance all year?\u201d You don\u2019t ride your bike all year long, so you want to know if you can cancel it when it\u2019s not in use. Find out more about motorcycle insurance, including the answer to the question, \u201cCan I cancel my motorcycle insurance in the winter?\u201d\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Don\u2019t Pay for Motorcycle Insurance When You Don\u2019t Need It | Lay-Up Insurance Explained\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/yTr_-PfArus?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-states-require-motorcycle-insurance\">What States Require Motorcycle Insurance?<\/h2>\n\n\n\n<p>If you drive a motorcycle, you likely need insurance. Forty-nine of the country\u2019s 50 states require insurance. Florida is the one exception to the rule. However, it\u2019s still wise to have coverage if you live in Florida. If you fail to do so, you could end up having to cover property damage and medical expenses if you\u2019re in an accident.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-is-bike-insurance-monthly\">How Much Is Bike Insurance Monthly?&nbsp;<\/h2>\n\n\n\n<p>Now that you know how important it is, you probably want to know the average insurance cost. The&nbsp;<a target=\"_blank\" href=\"https:\/\/www.thebalance.com\/what-is-the-average-cost-of-motorcycle-insurance-527362\" rel=\"noreferrer noopener\">average price was $702 a year in 2020<\/a>. That breaks down to $58.50 a month. Different variables go into the cost, though, so you could end up spending less on coverage. It\u2019s a good idea to get several quotes and compare the prices before choosing your policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-i-cancel-my-insurance-in-the-winter\">Can I Cancel My Insurance in the Winter?&nbsp;<\/h2>\n\n\n\n<p>You might not ride your bike in the winter months, but you should still maintain your insurance coverage. Something might happen while in storage, and if you don\u2019t have coverage, you\u2019ll be on the hook for the expense. Also, if you cancel your policy in the winter, you might not even save any money. Some of the top insurance companies consider the regular riding season when pricing coverage. That means you might not even be paying for the winter months. If you cancel, you won\u2019t have coverage, but you might not get a refund.<\/p>\n\n\n\n<p>You could also encounter an unseasonably warm day during the winter and feel the urge to ride your motorcycle. If you don\u2019t have motorcycle insurance, you can\u2019t do that. That will be a huge disappointment when you\u2019re ready to go for a ride.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-image\" style=\"text-align:center\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/01\/What-states-require-motorcycle-insurance.jpg\" alt=\"parked motorcycle buried in snow\" class=\"wp-image-4995\" width=\"60%\" srcset=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/01\/What-states-require-motorcycle-insurance.jpg 1000w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/01\/What-states-require-motorcycle-insurance-300x199.jpg 300w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/01\/What-states-require-motorcycle-insurance-768x510.jpg 768w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/01\/What-states-require-motorcycle-insurance-960x637.jpg 960w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/01\/What-states-require-motorcycle-insurance-753x500.jpg 753w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/01\/What-states-require-motorcycle-insurance-295x196.jpg 295w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/01\/What-states-require-motorcycle-insurance-320x212.jpg 320w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2021\/01\/What-states-require-motorcycle-insurance-285x189.jpg 285w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n\n\n\n<p>Just because you need to keep your coverage doesn\u2019t mean you can\u2019t save money in the winter months. Some insurance companies offer a lay-up policy. If you go this route, you\u2019ll keep your comprehensive coverage, so you\u2019ll be protected if your bike gets stolen or harmed while in storage. However, you won\u2019t be covered if you get in a collision, so you\u2019ll need to keep the bike in storage.<\/p>\n\n\n\n<p>You can also save by increasing the deductible during winter. Having a higher deductible means you\u2019ll pay less each month. You\u2019ll still be protected if you decide to ride, though.<\/p>\n\n\n\n<p>These are just two ways you can save on your coverage.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-get-help-finding-motorcycle-insurance\">Get Help Finding Motorcycle Insurance<\/h2>\n\n\n\n<p>You might need to keep your motorcycle insurance year-round, but that doesn\u2019t mean you have to spend lots of money. You can get a good deal on insurance by comparing quotes. Speak to a licensed insurance agent to learn more about motorcycle coverage.<\/p>\n\n\n\n<p>Look at different quotes and pick the policy that meets your needs. The insurance agent can also go over options to help you save money while your motorcycle is in storage over the winter.&nbsp;<\/p>\n\n\n\n<p>One of the best ways to take care of your bike is having high-quality insurance. Freeway is open and ready to meet all of your insurance needs. Start your free motorcycle insurance quote online or give us a call today.<\/p>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"link-button__container\" style=\"text-align: center\"><a class=\"link-button link-button_1\" href=\"https:\/\/www.freeway.com\/motorcycle-insurance-quote-form\/\">Get a Quote<\/a><\/div>\n<div class=\"link-button__container\" style=\"text-align: center\"><a class=\"link-button link-button_1\" href=\"tel:800-777-5620\">Call Us<\/a><\/div>\n<div class=\"link-button__container\" style=\"text-align: center\"><a class=\"link-button link-button_1 c-button--blue-green\" href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\">Find Your Office<\/a><\/div>\n\n\n<p class=\"has-white-color has-text-color\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You love riding your motorcycle, and you understand the importance of protecting yourself with insurance. Still, you can\u2019t help but ask, \u201cDo I need motorcycle insurance all year?\u201d You don\u2019t ride your bike all year long, so you want to know if you can cancel it when it\u2019s not in use. Find out more about [&hellip;]<\/p>\n","protected":false},"author":1002615,"featured_media":4994,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[68],"tags":[],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/4989"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1002615"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=4989"}],"version-history":[{"count":15,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/4989\/revisions"}],"predecessor-version":[{"id":12695,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/4989\/revisions\/12695"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media\/4994"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=4989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=4989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=4989"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=4989"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=4989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}