Roadside Assistance
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Towing to nearest shop, jump starts, flat tire help, lockout assistance, and fuel delivery reimbursement (limits vary).
Ride Protected. Ride Free
Motorcycle insurance designed for riders who value freedom, safety, and peace of mind, whether you’re cruising highways or city streets.
Protecting your life and future
Protect What Drives You, From the Car to the People Inside.
Whether exploring, One Point Insurance has you covered.
What We Insure: From Classic Cars to Off-Road Adventures
Why Motorcycle Insurance Matters?
Protection that keeps up with your ride
Meets state insurance requirements
Covers medical expenses & liability
Optional gear & accessory protection
Flexible deductibles & premiums
Coverage Options
Custom Parts & Accessories
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Covers aftermarket add‑ons like exhausts, fairings, saddlebags, lighting, paint, and more. Pick a limit that matches your mods.
Trip Interruption
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If a covered loss strands you far from home, helps reimburse hotels, meals, and alternate transportation up to daily caps.
Uninsured/Underinsured Motorist
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Protects you if the at‑fault rider lacks adequate insurance—covers your injuries and, in some states, property damage.
Liability
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Covers bodily injury and property damage you cause to others when you’re at fault. Required in most states. Does not cover your own bike or injuries.
Collision
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Pays to repair or replace your motorcycle after a crash, regardless of who’s at fault, minus your deductible.
Comprehensive
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Protects your bike from non‑collision losses like theft, vandalism, fire, hail, falling objects, and animal strikes—subject to deductible.
Auto Insurance Coverages
Liability Insurance
The Legal Foundation of Every Policy
- Covers injuries and property damage you cause to others in an accident where you’re at fault.
- Pays for medical expenses, vehicle repairs, and legal fees if you’re sued.
- Does not cover your own injuries or your car’s damages.
- Required by law in most states to drive legally.
- We recommend limits high enough to protect your assets and future earnings.
Collision Coverage
Protecting Your Own Vehicle
- Pays for damage to your car if you hit another vehicle or object, regardless of fault.
- Covers accidents with cars, poles, fences, guardrails, and more.
- Helps get your car repaired or replaced quickly.
- Often required if you finance or lease your vehicle.
- Comes with a deductible you choose — higher deductibles mean lower premiums.
Comprehensive Insurance
The Unexpected Safety Net
- Protects your vehicle from non-collision events like theft, fire, vandalism, or weather damage.
- Covers incidents like hailstorms, floods, falling trees, or hitting an animal.
- Helps pay for repairs or replacement if your car is totaled.
- Required by lenders for financed or leased cars.
- Pairs well with collision coverage for full vehicle protection.
Uninsured & Underinsured Motorist (UM/UIM)
Shielding You from Risky Drivers
- Covers your expenses if you’re hit by a driver with no insurance or not enough insurance.
- Pays for medical bills, lost wages, and sometimes vehicle damage.
- Protects you in hit-and-run accidents.
- Essential in states with high rates of uninsured drivers.
- Helps avoid financial hardship from someone else’s irresponsibility.
Medical Payments (MedPay) / PIP
Healing Without the Hassle
- Covers medical expenses for you and your passengers, regardless of fault.
- PIP may also cover lost wages, rehabilitation, and essential services.
- Helps avoid out-of-pocket costs after an accident.
- Available in most states; PIP is required in “no-fault” states.
- Provides peace of mind knowing treatment costs are handled quickly.
Roadside Assistance
Peace of Mind on Every Journey
- Provides help if your vehicle breaks down or you’re stranded.
- Includes towing, battery jump-starts, fuel delivery, tire changes, and lockout service.
- Covers emergencies 24/7, anywhere in the covered area.
- Costs far less than paying out-of-pocket for each service.
- Great for long drives, road trips, and daily commuters.
Rental Reimbursement
Stay Mobile After a Claim
- Covers the cost of a rental car while yours is being repaired after a covered accident.
- Helps you stay mobile for work, school, or errands.
- Usually pays a set daily limit for rental costs.
- Available for both at-fault and not-at-fault claims (when covered).
- Ensures you’re not left without transportation.
Gap Insurance
Covering the "In‑Between" on New Cars
- Pays the difference between your car’s value and what you owe on your loan or lease.
- Vital if your vehicle is totaled and you owe more than it’s worth.
- Prevents you from being stuck with a loan for a car you can’t drive.
- Often required for leased vehicles.
- Usually inexpensive but saves thousands in the right situation.
OEM Parts Coverage
Original Parts for Better Repairs
- Ensures your vehicle is repaired with Original Equipment Manufacturer parts.
- Maintains your car’s safety, performance, and resale value.
- Prevents the use of cheaper aftermarket parts.
- Especially important for newer or luxury vehicles.
- Helps keep your car as close to factory condition as possible.
Custom Equipment Coverage
Protecting Add‑Ons and Upgrades
- Protects aftermarket and custom parts added to your vehicle that aren’t covered by standard policies.
- Includes rims, sound systems, lift kits, custom paint, performance upgrades, and specialty lighting.
- Pays for repair or replacement if custom parts are stolen or damaged in a covered event.
- Ideal for car enthusiasts, off-road vehicles, or work trucks with specialized gear.
- Keeps your investment in upgrades protected without risking out-of-pocket loss.
Liability Insurance: The Legal Foundation of Every Policy
Collision Coverage:
Protecting Your Own Vehicle
Comprehensive Insurance: The Unexpected Safety Net
Roadside Assistance: Peace of Mind on Every Journey
Uninsured & Underinsured Motorist Coverage (UM/UIM): Shielding You from Risky Drivers
Uninsured & Underinsured Motorist Coverage (UM/UIM): Shielding You from Risky Drivers
Medical Payments (MedPay) or Personal Injury Protection (PIP): Healing Without the Hassle
Medical Payments (MedPay) or Personal Injury Protection (PIP): Healing Without the Hassle
Gap Insurance: Covering the "In-Between" on New Cars
OEM Parts Coverage: Original Parts for Better Repairs
Custom Equipment Coverage: Protecting Add-Ons and Upgrades
Bundle and save!!
We reward loyalty with bundle discounts that make managing your insurance easier and more affordable
Motorcycle + Auto Insurance
Cover your ride and your car together—get simplified protection and bigger savings.
Motorcycle + Home Insurance
Protect both your bike and your home under one bundle for maximum value.
Motorcycle + Renters Insurance
Bundle renters and motorcycle coverage to save while protecting your lifestyle.
More Motorcycle Bundles
Ask about other bundling options like motorcycle + boat or umbrella coverage.
Ready to Start Driving Smarter?
Let OnePoint Insurance help you compare coverages, maximize your discounts, and protect your drive
Save More, Ride Smart
OnePoint offers several discount options to help lower your premium without sacrificing protection:
Safe Driver Discount
If you’ve had no accidents or violations in the past 3–5 years, you may qualify for a lower rate.
Multi-Policy Discount
Bundle your motorcycle insurance with your home, renters, or life policy and save more.
Safety Course Discount
Riders who has completed the safety driving courses get discounts
How It Works
Three quick steps to ride with confidence.
Tell us about your bike
Share your make, model, and how you ride—commute, cruise, or conquer trails.
Compare customized coverage options
We match your needs to smart, transparent plans—no fluff, just facts.
Hit the road protected
Bind your policy in minutes and ride on—coverage that keeps up.
Get the coverage you need today and ride with confidence tomorrow
Customize Your Coverage
Whether you're seeking basic protection or full peace of mind, we offer flexible auto insurance options built around your life
Exclusive Insurance Discounts
Safe Driver Discount
If you’ve had no accidents or violations in the past 3–5 years, you may qualify for a lower rate.
Learn MoreMulti-Policy Discount
Bundle your auto insurance with your home, renters, or life policy and save more.
Learn MoreAuto Insurance + Home Insurance
Save more when you insure both your home and vehicle through OnePoint.
Read More →Auto + Condo Insurance
Live in a condo? Combine your condo and auto policies for extra savings.
Read More →Auto + Renters Insurance
Protect your apartment and your car under one policy and cut your rate.
Read More →More Bundles = More Savings
Ask about additional bundling options, including boat, personal items, and umbrella insurance.
Read More →Featured Carriers We Trust
Learn with OnePoint
Real answers. Straight talk. Insurance made simple.
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Question
Do I need motorcycle insurance in every state?
Yes, most states legally require at least liability coverage for motorcycles. The exact limits vary by state, so it’s important to check local laws before riding
Does motorcycle insurance cover my helmet, gear, or custom parts?
Standard policies usually cover the bike itself, but you can add accessory coverage for helmets, riding gear, saddlebags, and custom parts or upgrades
What factors affect the cost of motorcycle insurance?
Your premium is influenced by your age, driving record, type of bike, location, and how often you ride. Completing a safety course or bundling with other policies can lower your rate.
Can I insure a vintage, custom, or sport bike?
Absolutely! most insurers cover a wide range of motorcycles, including cruisers, sport bikes, touring bikes, custom builds, and vintage rides. Coverage can be tailored to match the bike’s value and use.
Does motorcycle insurance include roadside assistance?
It can. Many policies offer optional roadside assistance to cover towing, flat tires, or emergency fuel delivery, so you’re never stranded
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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