If your motorcycle has more than $1,000 worth of upgrades, you should definitely consider custom insurance.
Owning a custom motorcycle is more than
just a passion — it’s a statement of style, performance, and individuality.
Whether you’ve rebuilt your bike from scratch or added premium parts, your ride
deserves protection that matches its value. That’s where custom motorcycle
insurance comes in.
In this guide, we’ll break down everything you
need to know about insuring custom and modified motorcycles in the US,
what’s covered, how it differs from standard motorcycle insurance, and how to
get the best coverage for your ride.
What Is Custom Motorcycle Insurance?
Custom motorcycle insurance is a specialized policy designed to protect bikes that have been modified,
customized, or rebuilt beyond their factory condition.
While standard motorcycle insurance only
covers the bike’s original value, custom coverage ensures your added parts,
accessories, and modifications are also included — protecting your investment
in full.
What Counts as a “Custom” Motorcycle?
A motorcycle is considered custom or
modified if it includes:
- Aftermarket performance parts (engine upgrades, exhaust,
suspension)
- Custom paint jobs or chrome finishes
- Added safety or tech features
- Hand-built frames or vintage rebuilds
- Specialized accessories (e.g., saddlebags, fairings, LED kits)
What Does Custom Motorcycle Insurance Cover?
Coverage options may vary by insurer, but a
typical custom bike insurance policy in the US includes:
Covers theft, fire, vandalism, or natural
disasters — essential for expensive modifications.
Pays for damages if your bike collides with
another vehicle or object.
3. Custom Parts & Equipment Coverage (CPE)
Specifically protects added or aftermarket
parts — usually available as an add-on.
Covers injury or property damage you cause to
others while riding.
5. Uninsured / Underinsured Motorist Coverage
Protects you if the other driver doesn’t have
enough insurance.
How Is Custom Motorcycle Insurance Cost
Calculated?
Insurance companies consider several factors
when calculating premiums:
- Type and value of modifications
- Replacement cost of custom parts
- Bike’s age, make, and model
- Rider’s age, driving history, and location
- Storage and security features
Tip: Always
keep receipts and documentation for every modification — this helps ensure
accurate coverage and faster claims.
Best Companies Offering Custom Motorcycle
Insurance in the US
Here are some popular and reliable insurers
for custom or modified motorcycles:
- Progressive –
Known for flexible custom parts and equipment coverage up to
$30,000.
- GEICO – Offers affordable rates and full
accessory protection.
- Dairyland Insurance –
Great for custom and classic motorcycles.
- Nationwide –
Provides OEM parts replacement and vintage rebuild coverage.
- Markel Specialty –
Focuses on custom and performance bikes.
Always compare quotes — coverage and limits
can vary widely between providers.
Tips to Get the Best Custom Motorcycle
Insurance
- ✅ Document Every Upgrade: Keep photos, receipts, and
descriptions.
- ✅ Don’t Underestimate Your Bike’s Value: Always insure for
its total replacement cost.
- ✅ Ask for “Agreed Value” Coverage: Ensures you receive the
full pre-agreed amount if the bike is totaled.
- ✅ Bundle Policies: Combine with auto or home insurance for
discounts.
- ✅ Review Annually: Update your policy every year or after
major modifications.
Final Thoughts
A custom motorcycle isn’t just
transportation — it’s a reflection of your creativity and craftsmanship.
Protecting it with the right insurance ensures peace of mind every time you hit
the road.
Whether you’ve invested in performance
upgrades or aesthetic transformations, custom motorcycle insurance
guarantees your time, money, and effort don’t go unprotected.
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