Personal Insurance
Motorcycle Insurance for Riders Who Know These Roads
From the Boise foothills to the Owyhee desert, Bittick helps you build a motorcycle policy that fits how and where you actually ride.
Motorcycle insurance is a package of coverages that protects you financially if you're in an accident, your bike is stolen or damaged, or someone else on the road causes a crash and can't cover your losses. Idaho law requires every registered motorcycle to carry minimum liability coverage, and that legal floor is often a starting point, not a stopping point. Bittick Insurance is an independent agency, so we shop your coverage across multiple carriers to match the right policy to your bike, your riding habits, and your budget. We're licensed in CA, CO, ID, NV, OR, TX, VA, and WA.
Riding comes with real risks, and your motorcycle deserves real protection.
We'll help you understand what your bike and your wallet actually need to stay covered.
What this coverage includes
Liability coverage: the legal baseline
Idaho sets a minimum liability limit for motorcycle riders, just as it does for car drivers. Liability coverage pays the other party's medical bills and vehicle repair costs when you're at fault in an accident. That minimum is a legal floor, not a financial safety net. A single serious injury claim can exceed state minimums quickly, so most riders benefit from carrying higher limits than the law requires.
Collision and comprehensive coverage
Collision coverage pays to repair or replace your bike after a crash, regardless of fault. Comprehensive coverage handles losses that happen off the road: theft, vandalism, fire, hail, or a deer crossing Highway 55 at the wrong moment. If you're financing your motorcycle, your lender will likely require both. Even if you own it outright, replacing a totaled bike out of pocket is a hard conversation to have.
Uninsured and underinsured motorist coverage
Not every driver on I-84 is properly insured. If an uninsured or underinsured driver hits you while you're on your bike, this coverage steps in to pay for your medical bills and lost wages that the at-fault driver can't cover. Motorcyclists are especially vulnerable in these collisions, and medical costs for a serious road injury add up fast.
Coverage for other riders and passengers
A basic liability-only policy typically covers only you. If you regularly ride with a passenger or occasionally lend your bike to a family member, ask about coverage options that extend protection to other riders. The answer varies by carrier and policy structure, so it's worth addressing before someone else ever swings a leg over your seat.
Custom parts, accessories, and roadside assistance
A standard policy values your bike as it came from the factory. Aftermarket exhaust systems, custom paint, GPS units, saddlebags, and trailers you've added typically require a separate endorsement to be covered at their actual value. Roadside assistance is another optional add-on worth considering: a mechanical breakdown or flat tire on a rural stretch of road in Owyhee County is a different problem than it would be in a parking lot downtown.
Pairs well with
Personal Auto Insurance
Many riders own a car in addition to a motorcycle. Bundling both with the same carrier often unlocks multi-vehicle discounts and keeps your coverage review in one place.
Learn more ›Umbrella Insurance
A personal umbrella policy adds a layer of liability protection above your motorcycle policy limits. If a serious at-fault accident generates a claim that exceeds your policy limit, the umbrella covers the gap.
Learn more ›Renters or Homeowners Insurance
Your home or renters policy may cover gear and accessories stored at your residence, but coverage for items on the bike itself is a separate question. Knowing where one policy ends and the other begins avoids surprises at claim time.
Learn more ›ATV and Off-Road Vehicle Insurance
Riders who take their adventures beyond paved roads often own an ATV or dirt bike alongside their street motorcycle. Off-road vehicles need their own coverage, since a standard motorcycle policy does not follow you onto a trail.
Learn more ›