Affordable Motorcycle Insurance in NC: Best Rates in Gastonia

Residents of the Tar Heel State are passionate about a few things. Many people think of basketball and BBQ, but they can’t leave out motorcycles.

North Carolinians love to work hard, and nothing makes the payoff sweeter than hitting the highway on two wheels. A beautiful state with hundreds of thousands of miles of asphalt to explore, NC has become the destination for many motorcyclists across the country.

It’s only natural those who live here also love to take the scenic road trips this state has to offer. At Elite Insurance, we aim to provide residents with the best affordable motorcycle insurance in NC.

North Carolina Minimum Coverage

In the state of North Carolina, any motorcycle must be insured before registration. Despite having two of the safest places in the country to ride in, motorcycle accidents can still be serious.

Without it, riders will have to pay out-of-pocket for damages and medical bills that are results of an accident. The state law requires that motorcycle insurance provides the following minimum limits:

$30,000 for Bodily Injury Per Person

$60,000 for Bodily Injury Per Incident

$25,000 for Property Damage Per Incident

Liability coverage pays any damages that riders cause to other people or property. This is the only coverage needed for a motorcycle in NC. Even so, we highly recommend that additional coverage is included.

Additional Motorcycle Insurance Coverage Options

Riders in NC may want to seek additional coverage with their insurance company.

The excellent news that plenty of options are available and riders can customize their insurance plans to protect themselves in nearly any incident. Motorcyclists can tailor their insurance to cover the following:




Roadside Assistance

Collision coverage pays any damages done to the motorcycle by someone else in an accident.
Comprehensive is there to cover any damages that can occur on account of incidences other than an accident. Theft, vandalism, and damages caused by fires or otherwise are covered.

Uninsured/Underinsured coverage is something many riders will want. It is designed to protect riders in the case that an individual does not have insurance, or their insurance does not cover the extent of the damages done.

Roadside assistance provides aid to riders who have broken down and require a jump, tow, or fuel.

How to Save Money on Motorcycle Insurance

Motorcycle insurance costs can vary dramatically. How much you pay depends on the coverage you’ve selected. Still, it is generally more affordable than typical car insurance.

That doesn’t mean there aren’t ways to minimize fees. A safe record goes a long way. Luckily, the state of North Carolina is one of the safest places to ride in the nation. Additionally, bundling car and motorcycle insurance together with Elite is an excellent way to save on both forms of insurance.

Motorcycle Insurance Maintenance

Like with car insurance, North Carolina laws are strict when it comes to not having motorcycle insurance. If your payments lapse or the policy expires, your insurance company is required to notify the DMV.