Do I need a Motorcycle License to purchase Motorcycle Insurance?

Answer:
Insurance companies are in the business of insuring licensed drivers including motorcycle riders.

They want those they insure to be legal and have the appropriate permits and licenses as part of the insurance process. Because of this, you will need to have a motorcycle license, endorsement, or permit as a condition of your motorcycle insurance policy. You may be able to get a motorcycle policy issued on temporarily as you work toward getting your license. For example, if you have a learner’s permit, your insurance company may issue a policy covering your motorcycle for a set amount of time.

Insurance laws and insurance company requirements vary from state to state and company to company. If you have a relationship with an insurance company, a good driving record and you take up motorcycling, the company might add motorcycle insurance coverage to your policy while you take the necessary courses and work toward earning your motorcycle license or endorsement. If you fail to pass the necessary tests, your insurance company will likely cancel the motorcycle insurance after the set period of time.


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