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Motorcycle Insurance · Missouri

Motorcycle Insurance in Missouri

Protect your motorcycle on every Missouri road — from the Ozark twisties to the open highways. Brawner Insurance helps Missouri riders across all 114 counties get the right coverage at competitive rates.

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Missouri Motorcycle Insurance

Why Missouri Riders Need Motorcycle Insurance

Missouri is one of the best states for motorcycle riding — the Ozarks, Route 66, and miles of scenic back roads draw riders from across the Midwest. But Missouri roads also bring risks: distracted drivers, deer crossings, gravel on curves, and unpredictable weather.

Standard auto insurance won't cover your motorcycle. You need a dedicated motorcycle policy that covers liability, collision, comprehensive, and uninsured motorists. Brawner Insurance is headquartered in Kirksville, MO and works with multiple carriers to find Missouri riders the best coverage at competitive rates.

Missouri motorcycle insurance
114Missouri counties where we insure motorcycles
200K+registered motorcycles in Missouri
$0cost to get a motorcycle insurance quote from Brawner

From Harley cruisers on Route 66 to sport bikes in the Ozarks, Brawner compares multiple carriers to find the right motorcycle policy for Missouri riders.

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Missouri riders deserve Missouri agents.

Brawner Insurance is headquartered in Missouri. We understand Missouri riding conditions and shop multiple carriers to protect you and your bike.

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660-665-1687 · 660-754-1000

Missouri Motorcycle Coverage

Motorcycle Coverage Options in Missouri

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

Liability Coverage

Missouri 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 Missouri road.

Comprehensive

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

Uninsured Motorist

Protects you when an uninsured or underinsured driver hits you on Missouri 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 Missouri riders since motorcycle injuries tend to be more severe.

Ride Protected in MO

Let us insure your MO motorcycle.

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

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Don't ride your Missouri roads uninsured.

Every ride without proper motorcycle insurance is a risk you don't need to take. Brawner agents are ready to build coverage for your bike.

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660-665-1687 · 660-754-1000

Know the Difference

Motorcycle Insurance vs. Auto Insurance in Missouri

Motorcycle vs Auto Insurance Missouri

Motorcycle insurance is specifically designed for bikes — it covers liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection for your motorcycle.

Auto insurance does NOT cover your motorcycle. Even if you have full coverage on your car, your bike needs its own separate policy.

Missouri requires liability insurance for all registered motorcycles. Brawner helps Missouri riders get proper coverage that goes beyond the state minimum — protecting you, your passenger, and your bike.

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Common Questions

Missouri Motorcycle Insurance FAQ

What are Missouri's motorcycle insurance requirements?

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Missouri requires minimum liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. However, we recommend higher limits plus collision, comprehensive, and uninsured motorist coverage.

How much does motorcycle insurance cost in Missouri?

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Costs depend on your bike type, engine size, riding experience, location in Missouri, and coverage limits. Sport bikes typically cost more than cruisers. We shop multiple carriers to find competitive rates.

Does my Missouri auto insurance cover my motorcycle?

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No. Missouri auto insurance policies exclude motorcycles. You need a separate, dedicated motorcycle policy to be properly covered.

What types of motorcycles do you insure in Missouri?

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Yes. We insure Harleys, sport bikes, cruisers, touring bikes, dirt bikes (for road use), trikes, and custom motorcycles across Missouri.

Does motorcycle insurance cover my passenger?

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Most Missouri motorcycle policies include passenger liability coverage. We can also add medical payments coverage that covers both rider and passenger injuries.

Can I save money during winter storage in Missouri?

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Yes. If you store your motorcycle during Missouri winters, you may be able to reduce coverage (drop collision) during storage months and save on premiums. We help you set up seasonal adjustments.

Protecting Missouri riders since 1992.

Let us review your motorcycle coverage and make sure you're properly protected on every Missouri 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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