dirt bike insurance

Does Dirt Bike Insurance Cover On-Road Use As Well?

Do you love riding dirt bikes? If you do, then you know how expensive it can be to purchase one and add all of the extras to make it personal. But one thing you cannot forget about is dirt bike insurance. 

Even though you might just be using it for fun, it’s still important to have the right coverage in case of an accident. 

Some states even require all off-road vehicles to have insurance regardless if you’re using them in your backyard or to race professionally. 

Let’s talk a little bit more about dirt bike insurance, what it covers, and if dirt bike insurance covers on-road use! 

What Does Dirt Bike Insurance Cover?

A dirt bike has 2 wheels and an engine.  That means a dirt bike is considered a motorcycle in terms of insurance and registration.  

However, this does not mean that a dirt bike is street legal.  We will get to that in the next section. 

When looking at coverage for your dirt bike, you want at least the general dirt bike coverage it provides.  

That coverage includes: 

  • Bodily Injury and Property Damage – This is part of what liability insurance covers. This covers the injuries you caused to others and damage to property that isn’t yours. So, for example, if you are in an accident that shows to be your fault, your insurance can kick in and help you cover the costs of the damages and injuries you caused. 
  • Comprehensive and Collision – Collision covers damage to your own bike in an accident that you caused, and comprehensive has you covered when you are parked in a parking lot or storing your bike in a garage. 
  • Total Loss – If you are in an accident, chances are high that your bike is totaled.  This coverage helps you replace your dirt bike if it is deemed a total loss. 

dirt bike insurance

Does Dirt Bike Insurance Cover On-Road Use?

Stock dirt bikes are not approved for public roads or sidewalks.  They do not meet the criteria for being street legal. This is because they are made for off-road use only and don’t have the appropriate equipment needed to ride on the road. 

Insurance will not cover you if you ride illegally on the road and get into an accident. 

Check with your insurance agent to see if your policy will cover the crossing of a road to get to a path or other area where you can legally drive.

You can also have a dual-purpose bike which makes it legal to drive on the road.  If you have a dirt bike that meets the requirements to be driven on the road, then you would have coverage.

It is also important to note that if you have a street-legal, dual-purpose dirt bike, then you need a license plate and a motorcycle license. 

It is important to talk to your insurance agent (like us) if you have a dual-sport bike and are intending to use it for on and off-road use.  

Need More Help Knowing If Dirt Bike Insurance Covers On-Road Use? See RVInsurances.com

Here at RVInsurances.com, we are dedicated to getting you the proper coverage for whatever vehicle you drive.  Whether you are a full-time RVer, a weekend dirt bike warrior, or an avid boater, we want to give you the peace of mind that you are protected in case of an accident. 

If you own a boat, read our most recent article, “What Type Of Boat Insurance Do I Need?” for helpful insight! 
For more information on insurance for your dirt bike, off-road vehicle, or any vehicle that you own, contact us today to get a quote!

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