Motorcycle Insurance That Covers How You Actually Ride

Independent guidance, real carrier options, and coverage built around your bike — not a one-size-fits-all policy.

Coverage for Every Rider, Every Ride

Whether you commute on two wheels, take weekend runs through the mountains, or keep a classic in the garage, your motorcycle insurance should reflect how and where you ride. As an independent agency serving Maryland, D.C., Virginia, Pennsylvania, Delaware, and Ohio, Grady Wright & Associates shops your coverage across multiple carriers to find a policy that fits your bike, your budget, and your riding habits.

 

We've been placing personal lines coverage since 2000, and our licensed team holds designations including AAI, CRIS, and LUTCF. That experience matters when you're comparing policy terms that aren't always easy to read side by side.

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What a Motorcycle Policy Can Cover

A standard motorcycle insurance policy can include a range of protections depending on the carrier and the options you choose:

 

  • Liability coverage for bodily injury and property damage to others
  • Collision coverage for damage to your bike from an accident
  • Comprehensive coverage for theft, fire, weather, and non-collision losses
  • Uninsured and underinsured motorist protection
  • Medical payments coverage for rider injuries
  • Custom parts and equipment coverage for aftermarket additions
  • Roadside assistance and trip interruption benefits

 

Not every rider needs every layer. We'll walk through what makes sense based on how you use your bike and what you already carry on your auto or umbrella policy.

Why an Independent Agency Makes a Difference for Motorcycle Coverage

Captive agents represent one company. We represent you. As an independent agency, Grady Wright & Associates compares options across multiple carriers — including recognized names like Travelers and Progressive — so you're not limited to a single set of rates or policy terms. If your needs change, we can shop the market again without you having to start from scratch with a new agent.

 

Our agency is also a certified Maryland DOT/DBE EDWOSB, reflecting a standard of accountability we hold across every client relationship, personal lines included.

Riders We Work With Across the Mid-Atlantic

We place motorcycle coverage for a wide range of riders throughout Maryland, Washington D.C., Virginia, Pennsylvania, Delaware, and Ohio:

 

  • Daily commuters who need reliable liability and medical coverage
  • Weekend and recreational riders looking for comprehensive protection
  • Touring riders who put serious miles on and want roadside and trip coverage
  • Collectors and vintage bike owners with agreed-value or storage considerations
  • New riders getting licensed and building their first policy

 

If you're already a Grady Wright client for auto, home, or flood insurance, bundling your motorcycle coverage with your existing policies can often reduce your overall premium.

Frequently Asked Questions About Motorcycle Insurance

  • Is motorcycle insurance required in Maryland?

    Yes. Maryland requires all registered motorcycles to carry minimum liability insurance. The state minimums cover bodily injury and property damage to others, but many riders carry higher limits and add comprehensive and collision coverage for broader protection.

  • Does my auto insurance cover my motorcycle?

    In most cases, no. Auto policies do not extend to motorcycles. A separate motorcycle policy is required to cover your bike for liability, damage, theft, and rider injury. If you have an umbrella policy, ask us whether it applies to your motorcycle liability as well.

  • What factors affect my motorcycle insurance rate?

    Carriers typically consider your riding experience, the type and engine size of the bike, how many miles you ride annually, where the motorcycle is garaged, and your claims history. Completing a recognized safety course can also reduce your premium with some carriers.

  • Can I insure a motorcycle I only ride seasonally?

    Yes. Some carriers offer storage or lay-up options that reduce your premium during months when the bike isn't on the road, while maintaining comprehensive coverage against theft or weather damage year-round. We'll help you find carriers that offer this flexibility.

  • Do you insure custom or modified motorcycles?

    Yes. If you've added aftermarket parts, custom paint, or performance modifications, standard coverage limits may not fully cover those additions. We'll make sure your policy includes adequate custom parts and equipment coverage for what your bike is actually worth.

Get a Motorcycle Insurance Quote Today

You put thought into your ride. Your coverage should reflect that. Contact Grady Wright & Associates to compare motorcycle insurance options across carriers and find a policy built around how you actually ride.