Dirt Bike Insurance That Rides With You
Coverage for motocross, trail riding, enduro, and every off-road adventure. Licensed in all 50 states. 15-minute quotes. 24/7 claims support.
Free quotes — call or text anytime
Built for How You Ride
Real coverage for real dirt bike riders
From your first practice lap to your hundredth backcountry mile — and every minute your bike sits in the garage between rides.
Coverage Options
Complete Dirt Bike Insurance Protection
From basic liability to full coverage with all the extras. We build policies that match how you actually ride.
Liability Coverage
Bodily injury and property damage liability protects you if someone gets hurt or their property is damaged while you are riding. Required in most states for off-road vehicles on public land.
Collision Coverage
Covers repairs or replacement if your dirt bike is damaged in a crash, rollover, or collision with another vehicle or object — on the track, trail, or road.
Comprehensive Coverage
Protects against theft, vandalism, fire, animal collisions, and weather damage. Your bike is covered whether it is parked at home, in your truck, or at the track.
Medical Payments
Covers medical bills for you and your passengers after an accident — regardless of who is at fault. Includes ambulance, ER visits, surgery, and rehabilitation costs.
Roadside Assistance
Towing, flat-tire help, battery jump-starts, and fuel delivery when your bike breaks down on the trail or on the way to a ride. Available 24/7 nationwide.
Uninsured Motorist
Covers your injuries and damages if you are hit by an uninsured or underinsured rider. Especially important on shared trails and at busy riding areas.
How It Works
Insured and Riding in 15 Minutes
Getting covered is faster than loading your bike into the truck.
Get Your Quote
Fill out our quick online form or call 844-967-5247. Tell us about your bike, how you ride, and the coverage you need. No obligation, no pressure.
Compare Your Options
We shop multiple carriers to find you the best rate. You will see side-by-side coverage options with transparent pricing — no hidden fees or surprises.
Ride Protected
Pick your policy, sign digitally, and you are covered. Your insurance cards and proof of coverage arrive instantly. Hit the trail with confidence.
Bikes We Cover
Every Type of Off-Road Bike
From pit bikes to purpose-built race machines. We insure them all.
Motocross Bikes
Race-built two-strokes and four-strokes for track competition. Honda CRF, Yamaha YZ, Kawasaki KX, KTM SX, and more.
Honda CRF · Yamaha YZ · Kawasaki KX · KTM SX
Trail Bikes
Versatile off-road machines built for woods riding, desert trails, and exploring unpaved paths across the country.
Honda CRF · Yamaha WR · Suzuki DR · Kawasaki KLX
Enduro Bikes
Street-legal dual-sport and enduro machines for long-distance off-road riding that crosses between trail and pavement.
KTM EXC · Husqvarna FE · Beta RR · GasGas ES
Pit Bikes
Compact dirt bikes for pit riding, backyard tracks, and youth riders. Affordable coverage for entry-level machines.
Honda CRF50 · Kawasaki KLX110 · Yamaha TT-R
Hill Climb Bikes
High-power machines purpose-built for hill climb competition. Specialized coverage for modified and high-value competition bikes.
KTM · Husqvarna · Custom Builds
Dual Sport
Street-legal motorcycles designed for both on-road and off-road riding. Insurance covers highway use and trail riding alike.
Honda CRF450L · KTM 500 EXC · Suzuki DR-Z
Pricing
Affordable Dirt Bike Insurance Rates
Quality coverage does not have to break the bank. Here is what riders typically pay.
Basic Liability
Starting at — actual rate varies
- Bodily injury liability
- Property damage liability
- Meets state minimums
- Proof of insurance card
- Public trail coverage
Standard Coverage
Starting at — actual rate varies
- Everything in Basic
- Collision coverage
- Comprehensive coverage
- Medical payments
- Uninsured motorist
- Roadside assistance
Full Protection
Starting at — actual rate varies
- Everything in Standard
- Custom parts coverage
- Transport trailer coverage
- Submersion coverage
- Enhanced permissive use
- Total loss new bike replacement
Prices shown are starting rates for a typical rider with a mid-range dirt bike. Your actual quote depends on bike value, riding experience, location, coverage selections, and claims history. Contact us for an exact quote.
Rider Reviews
What Dirt Bike Riders Are Saying
“I wrecked my CRF450 at a track day and thought I was out thousands. Contractors Choice had my claim processed in two days and covered the full repair. Best dirt bike insurance I have ever had.”
Marcus Rivera
Motocross Racer, Phoenix, AZ
“I called for a quote and had coverage set up in under 15 minutes. The price was way better than what Progressive and Dairyland quoted me. These guys actually ride and understand what dirt bikers need.”
Jake Thompson
Trail Rider, Denver, CO
“My KTM got stolen from my truck at a race event. The theft coverage kicked in immediately and I had a check in hand within a week. Contractors Choice actually answers the phone when you need them.”
Danielle Kowalski
Enduro Competitor, Portland, OR
Common Questions
Dirt Bike Insurance Questions
The most common questions riders ask about insuring their dirt bikes and off-road motorcycles.
Ready to Ride Protected?
Get your free dirt bike insurance quote in 15 minutes. Licensed in all 50 states with 24/7 claims support.