--- title: Why Buy NH Motorcycle Insurance? description: Ensure you have NH motorcycle insurance coverage to keep you enjoying the open road. Check out the latest HPM blog on the basics of motorcycle insurance. image: https://hpminsurance.com/hubfs/AdobeStock_48349496-%20motorcycle72.jpg --- [![HPM Insurance](https://hpminsurance.com/hubfs/HPMinsurance-Aug2017/Images/HPM_Logo_Large.jpg)](https://www.hpminsurance.com/) [![Client_Portal_Small_Web_Header_600x120_transparent](https://hpminsurance.com/hs-fs/hubfs/Client_Portal_Small_Web_Header_600x120_transparent.png?width=347&height=70&name=Client_Portal_Small_Web_Header_600x120_transparent.png)](https://insurlink.vertafore.com/end-insured/2005196-1) ** [603-673-1201](tel:6036731201) - [Personal Insurance](https://hpminsurance.com/personal-insurance-quotes-new-hampshire) - [Auto Insurance](https://hpminsurance.com/car-insurance-new-hampshire) - [Corvette Insurance](https://hpminsurance.com/corvette-insurance-new-hampshire) - [Homeowners Insurance](https://hpminsurance.com/homeowners-insurance-new-hampshire) - [Airbnb Insurance](https://hpminsurance.com/airbnb-insurance-new-hampshire) - [ATV Insurance](https://hpminsurance.com/atv-insurance-new-hampshire) - [Boat Insurance](https://hpminsurance.com/boat-insurance-new-hampshire) - [Builders Risk Insurance](https://hpminsurance.com/builders-risk-insurance-new-hampshire) - [Classic Car Insurance](https://hpminsurance.com/insurance-quotes/classic-car-insurance-nh) - [Condo Insurance](https://hpminsurance.com/insurance-quotes/condo-insurance-nh) - [Dental Insurance](https://hpminsurance.com/dental-insurance-new-hampshire) - [Earthquake Insurance](https://hpminsurance.com/earthquake-insurance-new-hampshire) - [EBike Insurance](https://hpminsurance.com/ebike-insurance-new-hampshire) - [Flood Insurance](https://hpminsurance.com/flood-insurance-new-hampshire) - [Health Insurance](https://hpminsurance.com/health-insurance-in-new-hampshire) - [High Value Home Insurance](https://hpminsurance.com/insurance-quotes/high-value-home-insurance) - [Island Home Insurance](https://hpminsurance.com/island-home-insurance-new-hampshire) - [Jewelry Insurance](https://hpminsurance.com/en/jewelry-insurance-new-hampshire) - [Investment Property Insurance](https://hpminsurance.com/investment-property-insurance-new-hampshire) - [Life Insurance](https://hpminsurance.com/insurance-quotes/life-insurance) - [Long Term Care Insurance](https://hpminsurance.com/long-term-care-insurance-new-hampshire) - [Medicare Supplements Insurance](https://hpminsurance.com/medicare-supplements-insurance-new-hampshire) - [Mobile Home Insurance](https://www.hpminsurance.com/mobile-home-insurance-new-hampshire) - [Motorcycle Insurance](https://hpminsurance.com/motorcycle-insurance-new-hampshire) - [Renters Insurance](https://hpminsurance.com/renters-insurance-new-hampshire) - [RV Insurance](https://hpminsurance.com/rv-insurance-new-hampshire) - [Snowmobile Insurance](https://hpminsurance.com/snowmobile-insurance-new-hampshire) - [Tractor Insurance](https://hpminsurance.com/tractor-insurance-new-hampshire) - [Travel Medical Insurance](https://hpminsurance.com/insurance-quotes/travel-medical-insurance) - [Umbrella Insurance](https://hpminsurance.com/personal-umbrella-insurance-new-hampshire) - [Wedding Insurance](https://hpminsurance.com/wedding-insurance-new-hampshire) - [Business Insurance](https://hpminsurance.com/business-insurance-new-hampshire) - [Automotive](https://hpminsurance.com/auto-repair-shop-insurance-new-hampshire) - General Commercial Insurance - [Business Owners Policy](https://hpminsurance.com/business-owners-policy-new-hampshire) - [Business Interruption Insurance](https://hpminsurance.com/business-interruption-insurance-new-hampshire) - [Commercial Auto Insurance](https://hpminsurance.com/commercial-auto-insurance-new-hampshire) - [Commercial Flood Insurance](https://hpminsurance.com/commercial-flood-insurance-new-hampshire) - [Commercial Property Insurance](https://hpminsurance.com/commercial-property-insurance-new-hampshire) - [Commercial Umbrella Insurance](https://hpminsurance.com/commercial-umbrella-insurance-new-hampshire) - [Cyber Liability Insurance](https://hpminsurance.com/cyber-insurance-new-hampshire) - [Directors and Officers Insurance](https://hpminsurance.com/directors-and-officers-insurance-new-hampshire) - [Employment Practices Liability Insurance](https://hpminsurance.com/employment-practices-liability-insurance-new-hampshire) - [Equipment Breakdown Insurance](https://hpminsurance.com/equipment-breakdown-coverage-new-hampshire) - [Errors & Omissions Insurance](https://hpminsurance.com/errors-and-omissions-insurance-new-hampshire) - [Flood Insurance](https://hpminsurance.com/flood-insurance-new-hampshire) - [General Liability Insurance](https://hpminsurance.com/general-liability-new-hampshire) - [Inland Marine Insurance](https://hpminsurance.com/inland-marine-insurance-new-hampshire) - [Pollution Insurance](https://hpminsurance.com/pollution-insurance-new-hampshire) - [Workers Compensation Insurance](https://hpminsurance.com/workers-compensation-insurance-new-hampshire) - Group Benefits - [AFLAC](https://hpminsurance.com/aflac) - [Group Health Insurance](https://hpminsurance.com/group-health-insurance-new-hampshire) - [Key Man Insurance](https://hpminsurance.com/insurance-quotes/business-insurance/key-man-insurance-nh) - Commercial Vehicle - [Box Truck Insurance](https://hpminsurance.com/box-truck-insurance-new-hampshire) - [Food Truck Insurance](https://hpminsurance.com/food-truck-insurance-new-hampshire) - [Snow Plowing Insurance](https://hpminsurance.com/snow-plowing-insurance-new-hampshire) - Contractors - [Builders Risk Insurance](https://hpminsurance.com/builders-risk-insurance-new-hampshire) - [Contractors Insurance](https://hpminsurance.com/contractors-insurance-new-hampshire) - [Electricians Insurance](https://hpminsurance.com/electrician-insurance-new-hampshire) - [Handyman Insurance](https://hpminsurance.com/handyman-insurance-new-hampshire) - [Landscaper Insurance](https://hpminsurance.com/landscaping-insurance-new-hampshire) - [Plumbing Insurance](https://hpminsurance.com/plumbing-insurance-new-hampshire) - [Roofing Insurance](https://hpminsurance.com/roofing-insurance-new-hampshire) - [Septic System Installer and Cleaner Insurance](https://hpminsurance.com/septic-installers-and-cleaners-insurance-new-hampshire) - [Snow Plowing Insurance](https://hpminsurance.com/snow-plowing-insurance-new-hampshire) - [Tree Service Insurance](https://hpminsurance.com/tree-service-insurance-new-hampshire) - Habitational - [Condo Master Insurance](https://hpminsurance.com/condo-master-policy-new-hampshire) - [Investment Property Insurance](https://hpminsurance.com/investment-property-insurance-new-hampshire) - [Landlord Insurance](https://hpminsurance.com/landlord-insurance-new-hampshire) - [Rental Property Insurance](https://hpminsurance.com/rental-property-new-hampshire) - Hospitality - [Bakery Insurance](https://hpminsurance.com/bakery-insurance-new-hampshire) - [Bar Insurance](https://hpminsurance.com/bar-insurance-new-hampshire) - [Catering Insurance](https://hpminsurance.com/en-us/catering-insurance-new-hampshire) - [Coffee Shop Insurance](https://hpminsurance.com/coffee-shop-insurance-new-hampshire) - [Liquor Liability Insurance](https://hpminsurance.com/liquor-liability-insurance-new-hampshire) - [Microbrewery Insurance](https://hpminsurance.com/microbrewery-insurance-new-hampshire) - [Restaurant Insurance](https://hpminsurance.com/restaurant-insurance-new-hampshire) - [Life Sciences](https://hpminsurance.com/life-sciences-insurance-new-hampshire) - Manufacturing - [Manufacturing Insurance](https://hpminsurance.com/manufacturing-insurance-new-hampshire) - [Product Liability Insurance](https://hpminsurance.com/product-liability-insurance-new-hampshire) - Personal Care Services - [Hair Salon and Barber Insurance](https://hpminsurance.com/salon-and-barber-insurance-new-hampshire) - [Home Health Care Insurance](https://hpminsurance.com/home-health-care-insurance-new-hampshire) - [Sports & Fitness Insurance](https://hpminsurance.com/sports-and-fitness-insurance-new-hampshire) - Professional Services - [Consultant Insurance](https://hpminsurance.com/consultant-insurance-new-hampshire) - [Bookkeeping Insurance](https://hpminsurance.com/bookkeeping-insurance-new-hampshire) - [Professional Liability](https://hpminsurance.com/professional-liability-insurance-new-hampshire) - Retail - [Convenience Stores Insurance](https://hpminsurance.com/convenience-store-insurance-new-hampshire) - [Jewelers Block Insurance](https://hpminsurance.com/jewelers-block-insurance) - Social Services & Nonprofit - [Nonprofit Insurance](https://hpminsurance.com/nonprofit-insurance-new-hampshire) - Specialty Commercial Insurance - [Franchise Insurance](https://hpminsurance.com/franchise-insurance-new-hampshire) - [Gig Economy Insurance](https://hpminsurance.com/gig-economy-new-hampshire) - [Hemp Crop Insurance](https://hpminsurance.com/en/hemp-crop-insurance-new-hampshire) - [Jewelers Block Insurance](https://hpminsurance.com/jewelers-block-insurance) - [Life Sciences Insurance](https://hpminsurance.com/life-sciences-insurance-new-hampshire) - [Lumber Insurance](https://hpminsurance.com/insurance-quotes/business-insurance/lumber-insurance-nh) - [Sports Team Insurance](https://hpminsurance.com/sports-team-insurance-new-hampshire) - [Small Business Insurance](https://hpminsurance.com/small-business-insurance-new-hampshire) - [Start Up Insurance](https://hpminsurance.com/insurance-quotes/business-insurance/start-up-insurance) - [Get a Quote](https://hpminsurance.com/instant-quotes-homeowners-auto-renters) - [About Us](https://hpminsurance.com/about-us) - [Contact Us](https://hpminsurance.com/about-us) - [Meet Our Team](https://hpminsurance.com/about-us/meet-our-team) - [HPM Insurance Goffstown](https://hpminsurance.com/meet-the-team/insurance-goffstown-nh) - [HPM Insurance Amherst](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-amherst) - [HPM Insurance Bedford](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-bedford) - [HPM Insurance Bristol](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-bristol) - [HPM Insurance Laconia](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-laconia) - [HPM Insurance Littleton](https://hpminsurance.com/about-us/meet-our-team/hpm-insurance-littleton) - [Companies We Represent](https://hpminsurance.com/about-us/companies-we-represent) - [Testimonials](https://hpminsurance.com/about-us/testimonials) - [Career Opportunities](https://hpminsurance.com/careers-at-hpm-insurance) - [Trusted Choice Agency](https://hpminsurance.com/research-center/trusted-choice-agency) - [Professional Memberships](https://hpminsurance.com/about-us/professional-memberships-and-awards) - [Acquisitions](https://hpminsurance.com/looking-to-sell-an-insurance-agency) - [HPM Referral Rewards](https://hpminsurance.com/client-service/hpm-referral-rewards) - [HPM Press](https://hpminsurance.com/hpm-press) - [HPM Media Page](https://hpminsurance.com/media) - [Testimonials](https://hpminsurance.com/about-us/testimonials) - [Blog](https://hpminsurance.com/blog) - Office Locations - [Amherst, NH](https://hpminsurance.com/office-locations/insurance-in-amherst-nh) - [Bedford, NH](https://hpminsurance.com/office-locations/insurance-in-bedford-nh) - [Bristol, NH](https://hpminsurance.com/insurance-bristol-nh) - [Goffstown, NH](https://hpminsurance.com/insurance-goffstown-nh) - [Laconia, NH](https://hpminsurance.com/insurance-laconia-nh) - [Littleton, NH](https://hpminsurance.com/insurance-in-littleton-nh) - [Client Portal](https://hpminsurance.com/client-portal) ## [Why Buy NH Motorcycle Insurance?](https://hpminsurance.com/blog/entryid/11129/motorcycle-insurance-nh-why-buy) Written by [April Weismann](https://hpminsurance.com/blog/author/april-weismann) on 05/06/2016 04:03 AM in [Personal Insurance](https://hpminsurance.com/blog/topic/personal-insurance). New Hampshire is the "Live Free or Die" state, with this free-spirited attitude evident on our open roads with the number of motorcycles cruising around.  For motorcycle drivers in NH, riding is a scenic and enjoyable way to get around.  However, the risks are real - ![AdobeStock_48349496- motorcycle72](https://hpminsurance.com/hs-fs/hubfs/AdobeStock_48349496-%20motorcycle72.jpg?width=1048&height=538&name=AdobeStock_48349496-%20motorcycle72.jpg) # Why NH Bikers Need Motorcycle Insurance Bikers involved in a crash have a higher risk of personal injury and damage to their bike.  In addition to understanding [motorcycle safety,](https://www.msf-usa.org/) NH motorcycle insurance can help protect you financially in case of an accident. ## NH Motorcycle Insurance Unlike riders in other states, New Hampshire has few legal restrictions for motorcyclists.  Helmets are optional for drivers and passengers over 18, and most drivers do not require motorcycle coverage.  However, just because helmets and insurance are not required does not mean you should go without it.  A helmet could prevent severe head trauma or death in an accident, while insurance provides important financial protection that will not extend from your New Hampshire car insurance policy. ### NH Motorcycle Insurance Requirements Most motorcyclists are not required to carry a motorcycle policy; however, you are required to hold a motorcycle license or endorsement on your driver's license.  Those who are required to carry motorcycle coverage include those who are required to file proof of liability insurance (aka: an SR22 filing) with the state due to the following: - You were involved in an accident and did not have insurance at the time - You were convicted of a DUI - You were convicted of reckless driving - You have exceeded the allowable limit of traffic violations If you have an SR22 filing with the state of New Hampshire on your personal auto policy, you are not required to have an additional filing on your motorcycle policy, according to the New Hampshire DMV.  That said, if you chose not to insure your motorcycle and had an SR22 filing on your personal auto policy, the New Hampshire personal auto policy would never extend coverage to that motorcycle, and you would be left personally responsible for paying any damages in an at-fault accident as well as possibly extending the requirement for the SR22. If you are required to purchase insurance, the minimum legal requirements include: - $25,000 in bodily injury per person - $50,000 in bodily injury per accident - $25,000 in property damage - $1,000 in medical payments - $25,000 in un-insured/under-insured motorist coverage per person - $50,000 in un-insured/under-insured motorist coverage per accident These minimum coverages help protect other drivers, as well as yourself, if you cause an accident and will help protect you financially.![NH Motorcycle Insurance](https://hpminsurance.com/hs-fs/hubfs/Assets/Personal%20Insurance/motorcycle-3.jpg?width=2126&name=motorcycle-3.jpg)The Basics of NH Motorcycle Insurance Regardless of whether or not you are required to carry insurance, it is a good idea to have protection.  If your bike is damaged or stolen, or someone is injured from your bike, the costs can be staggering.  If you do not have your motorcycle insured, you could be responsible for paying all expenses out of pocket!  This could be much more devastating than simply having to give up your bike, but it could mean an attachment of your wages until medical bills and damages are paid off. There are a variety of coverages to choose from, in addition to the mandatory minimum, should you decide to purchase the insurance listed above.  In addition, you could increase the limits (which is strongly suggested), as well as add the following: - **Collision** helps pay for repairs to your motorcycle if damage is caused by an accident. - **Comprehensive **helps pay for repairs or to replace your bike if stolen, vandalized, or damaged in some other way besides a collision.  This could include fire damage, flood, falling objects, wind, or animal collisions. - **Customized parts and equipment** is an option with some motorcycle insurance policies. - **Roadside assistance** which can include towing and other basic emergency services. Most people who own motorcycles are passionate about their bikes.  If you have invested significantly in your bike, a customized motorcycle policy can help you restore it and keep you on the road.  If you have a bike to tool around town on, motorcycle coverage is still a critical protection for your finances as you do not have to have a nice bike to cause injury or damage to another's property. New Hampshire is unique among states in that it does not require motorcycle insurance in most cases.  However, driving without insurance is taking a considerable risk.  A single accident can cost more than most people can afford to pay on their own.  Investing a small amount in insurance can provide protection for you, your bike, your passengers and others on the road needed to keep on rollin'. ### Possibly related posts: - [How Does a Speeding Ticket Impact My Auto Insurance in New Hampshire?](https://hpminsurance.com/blog/how-does-a-speeding-ticket-impact-my-auto-insurance-in-new-hampshire) - [How Will Tariffs Likely Impact Your NH Home & Auto Insurance Rates?](https://hpminsurance.com/blog/how-will-the-tariffs-impact-your-nh-home-auto-insurance-rates) - [When is the Best Time to Buy Life Insurance?](https://hpminsurance.com/blog/when-is-the-best-time-to-buy-life-insurance) - [How to Insure an Engagement Ring](https://hpminsurance.com/blog/how-to-insure-an-engagement-ring) ## Request Free Insurance Quotes! ### [Rss Feed](https://hpminsurance.com/blog/rss.xml) - [Personal Insurance (61)](https://hpminsurance.com/blog/topic/personal-insurance) - [Homeowners Insurance (44)](https://hpminsurance.com/blog/topic/homeowners-insurance) - [Business Insurance (35)](https://hpminsurance.com/blog/topic/business-insurance) - [Car Insurance (26)](https://hpminsurance.com/blog/topic/car-insurance) - [Agency News (24)](https://hpminsurance.com/blog/topic/agency-news) - [Commercial Insurance (21)](https://hpminsurance.com/blog/topic/commercial-insurance) - [Safety Tips (14)](https://hpminsurance.com/blog/topic/safety-tips) - [Health Insurance (9)](https://hpminsurance.com/blog/topic/health-insurance) - [Claim Information (8)](https://hpminsurance.com/blog/topic/claim-information) - [Auto Insurance (7)](https://hpminsurance.com/blog/topic/auto-insurance) - [Insurance Tips (6)](https://hpminsurance.com/blog/topic/insurance-tips) - [Boat Insurance (5)](https://hpminsurance.com/blog/topic/boat-insurance) - [Commercial Auto Insurance (5)](https://hpminsurance.com/blog/topic/commercial-auto-insurance) - [Workers Compensation Insurance (5)](https://hpminsurance.com/blog/topic/workers-compensation-insurance) - [Jewelry Insurance (4)](https://hpminsurance.com/blog/topic/jewelry-insurance) - [Landlord Insurance (4)](https://hpminsurance.com/blog/topic/landlord-insurance) - [Small Business Insurance (4)](https://hpminsurance.com/blog/topic/small-business-insurance) - [save money (4)](https://hpminsurance.com/blog/topic/save-money) - [Cyber Insurance (3)](https://hpminsurance.com/blog/topic/cyber-insurance) - [Flood Insurance (3)](https://hpminsurance.com/blog/topic/flood-insurance) - [NH Homeowners Insurance (3)](https://hpminsurance.com/blog/topic/nh-homeowners-insurance) - [renters Insurance (3)](https://hpminsurance.com/blog/topic/renters-insurance) - [Life Insurance (2)](https://hpminsurance.com/blog/topic/life-insurance) - [NH Auto Insurance (2)](https://hpminsurance.com/blog/topic/nh-auto-insurance) - [Property Insurance (2)](https://hpminsurance.com/blog/topic/property-insurance) - [Agency Happenings (1)](https://hpminsurance.com/blog/topic/agency-happenings) - [Business Insurance New Hampshire (1)](https://hpminsurance.com/blog/topic/business-insurance-new-hampshire) - [Condo Insurance (1)](https://hpminsurance.com/blog/topic/condo-insurance) - [Employee Benefits (1)](https://hpminsurance.com/blog/topic/employee-benefits) - [High Value Home Insurance (1)](https://hpminsurance.com/blog/topic/high-value-home-insurance) - [High-Value Homeowners Insurance (1)](https://hpminsurance.com/blog/topic/high-value-homeowners-insurance) - [Home Insurance (1)](https://hpminsurance.com/blog/topic/home-insurance) - [Motorcycle Insurance (1)](https://hpminsurance.com/blog/topic/motorcycle-insurance) - [New Hampshire Insurance (1)](https://hpminsurance.com/blog/topic/new-hampshire-insurance) - [RV Insurance (1)](https://hpminsurance.com/blog/topic/rv-insurance) - [Travel Insurance (1)](https://hpminsurance.com/blog/topic/travel-insurance) - [commercial property insurance (1)](https://hpminsurance.com/blog/topic/commercial-property-insurance) - [homeoweners insurance (1)](https://hpminsurance.com/blog/topic/homeoweners-insurance) ## Subscribe to Our Blog - ### Don't Wait. Get a quote today! - [** Start Now ](https://www.hpminsurance.com/insurance-quotes) - or - Call Us At [603-673-1201](tel:603-673-1201) ** 603-673-1201 #### Find out more - [Insurance Quotes](https://www.hpminsurance.com/insurance-quotes) - [Research Center](https://www.hpminsurance.com/research-center) - [About Us](https://www.hpminsurance.com/about-us) - [Client Service](https://hpminsurance.com/client-portal/) - [Blog](https://www.hpminsurance.com/blog) - [Office Locations](https://www.hpminsurance.com/about-us) #### Stay connected [Read Our Blog](https://www.hpminsurance.com/blog) [** ](https://www.facebook.com/HPMinsurance) [** ](https://www.linkedin.com/company/hpm-insurance) #### Main Office HPM Insurance Learn how to protect yourself, your family and your business. Visit http://www.hpminsurance.com to get all the information you need. 101 Ponemah Road Amherst, NH 03031 **Hours:** 8:00am - 5:00pm, M - F Phone: 603-673-1201 [![Paid Family and Medical Leave Insurance New Hampshire](https://res.cloudinary.com/expertise-com/image/upload/f_auto,fl_lossy,q_auto/w_auto/remote_media/awards/nh_manchester_car-insurance_2021_transparent.svg)](https://www.expertise.com/NH/manchester/car-insurance) © 2026 HPM Insurance | [Privacy Statement](https://hpminsurance-3427324-hs-sites-com.sandbox.hs-sites.com/about-us/privacy-statement) | This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication. Website Built & Powered by [Jump Suit Group](https://www.jumpsuitgroup.com/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "April Weismann", "url" : "https://hpminsurance.com/blog/author/april-weismann" }, "dateModified" : "2025-01-02T21:35:04.449Z", "datePublished" : "2016-05-06T08:03:00.000Z", "headline" : "Why Buy NH Motorcycle Insurance?", "image" : [ "https://hpminsurance.com/hubfs/AdobeStock_48349496-%20motorcycle72.jpg" ], "mainEntityOfPage" : { "@id" : "https://hpminsurance.com/blog/entryid/11129/motorcycle-insurance-nh-why-buy", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://hpminsurance.com/hubfs/HPMinsurance/Images/HPM_Logo_Large.jpg" }, "name" : "HPM Insurance" } } ```