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Motorcycle Insurance · Iowa

Motorcycle Insurance in Iowa

Protect your motorcycle on Iowa's open roads and scenic byways. Brawner Insurance helps Iowa riders across all 99 counties get dedicated motorcycle coverage at competitive rates.

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Iowa Motorcycle Insurance

Why Iowa Riders Need Motorcycle Insurance

Iowa offers incredible motorcycle riding — the Loess Hills, Mississippi River bluffs, and endless country roads. But Iowa riders face risks from farm equipment on highways, deer crossings, gravel roads, and severe weather.

Iowa requires liability insurance for all motorcycles. Brawner Insurance serves Iowa riders from our offices in Northeast Missouri and works with multiple carriers to find coverage that protects you, your passenger, and your bike.

Iowa motorcycle insurance
99Iowa counties where we insure motorcycles
150K+registered motorcycles in Iowa
$0cost to get a motorcycle insurance quote from Brawner

From cruising the Loess Hills to riding the River Road, Brawner compares multiple carriers to find the right motorcycle policy for Iowa riders.

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Iowa riders deserve dedicated agents.

Brawner Insurance serves Iowa riders from just across the border. We shop multiple carriers to protect you and your bike on Iowa roads.

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660-665-1687 · 660-754-1000

Iowa Motorcycle Coverage

Motorcycle Coverage Options in Iowa

Every Iowa rider is different. Here are the coverage options we help motorcyclists put in place.

Liability Coverage

Iowa state-required coverage for bodily injury and property damage you cause to others. We recommend limits above the state minimum.

Collision Coverage

Covers damage to your motorcycle from a crash — whether you hit another vehicle, a guardrail, or lay the bike down on a Iowa road.

Comprehensive

Covers non-collision damage — theft, vandalism, fire, hail, deer strikes, and falling objects. Essential for Iowa bikes stored outdoors.

Uninsured Motorist

Protects you when an uninsured or underinsured driver hits you on Iowa roads. Covers your injuries and bike damage they can't pay for.

Medical Payments

Covers medical expenses for you and your passenger regardless of fault. Important for Iowa riders since motorcycle injuries tend to be more severe.

Ride Protected in IA

Let us insure your IA motorcycle.

We compare carriers to find coverage that fits your bike and your budget.

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Don't ride Iowa roads uninsured.

Every ride without proper coverage is a risk. Brawner agents are ready to build motorcycle insurance for Iowa riders.

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660-665-1687 · 660-754-1000

Know the Difference

Motorcycle Insurance vs. Auto Insurance in Iowa

Motorcycle vs Auto Insurance Iowa

Motorcycle insurance covers liability, collision, comprehensive, and uninsured motorist protection specifically for your bike.

Auto insurance does NOT cover motorcycles in Iowa. Your bike needs its own separate policy.

Iowa requires liability insurance for all registered motorcycles. Brawner helps Iowa riders get coverage that goes beyond state minimums.

Learn about Auto Insurance →
Common Questions

Iowa Motorcycle Insurance FAQ

What are Iowa's motorcycle insurance requirements?

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Iowa requires minimum liability: $20,000 bodily injury per person, $40,000 per accident, $15,000 property damage. We recommend higher limits plus collision and comprehensive.

How much does motorcycle insurance cost in Iowa?

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Costs depend on bike type, engine size, experience, Iowa location, and coverage. We shop multiple carriers for competitive Iowa rates.

Does my Iowa auto insurance cover my motorcycle?

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No. Iowa auto policies exclude motorcycles. A separate motorcycle policy is required.

What types of motorcycles do you insure in Iowa?

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Yes. We insure all motorcycle types across Iowa — cruisers, sport bikes, touring, trikes, and custom bikes.

Does motorcycle insurance cover my passenger?

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Yes. Most Iowa motorcycle policies include passenger coverage. Medical payments can cover both rider and passenger.

Can I save money during winter storage in Iowa?

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Yes. Iowa's winters mean seasonal storage — we can adjust your coverage during off-months to save on premiums.

Protecting Iowa riders with dedication.

Let us build motorcycle coverage that protects you on every Iowa road.

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660-665-1687 · 660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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