Motorcycle Insurance - Missouri and Kansas

Including: Joplin, Carthage, Webb City, Carl Junction, Diamond,  Carterville and Neosho, MO as well as Galena, Baxter Springs, Columbus and Pittsburg, KS

For over 30+ years, Winnett Insurance has offered full-service motorcycle insurance throughout Missouri and Kansas. We can insure most drivers and their vehicle with tailored protection that always offers great value. Whatever coverage you need, we’re your source for professional solutions.

Call us at (417) 624-5724 or request your free, no obligation quote now!

What is motorcycle insurance?

The Federal Highway Administration (FHWA) estimates that there are approximately 150,000 motorcycles registered in Missouri, along with roughly 96,000 in Kansas. It is critical that every biker has insurance behind them when they ride. If you invest in the right policy for your bike, it can help you pay for the cost of recovery following wrecks, property damage or injuries (both your own and others’).

Why do you need coverage?

Though they only make up a small portion of the total vehicles in each state (2.7% in Missouri and 3.6% in Kansas), motorcycles are just as valuable as the average car or truck, and even more risky to operate.

Stats like these clearly show why all bikers need motorcycle insurance. Rather than suffering thousands of dollars in recovery costs, let your policy help you pay, so that you can remain secure.

What does motorcycle insurance cover?

Motorcycle insurance is more specialized than the average auto policy. However, it can contain multiple types of familiar coverage:

Your policy can also offer additional coverage that’s specific to the bike:

Speak to your agent about the appropriate way to insure excess equipment with appropriate limits.

How much motorcycle insurance do I need?

Both Kansas and Missouri require bikers to carry at least liability and uninsured/underinsured motorist coverage at the following limits:

Kansas also requires personal injury protection, also called PIP/No-Fault coverage. If you get hurt in a wreck, you will first file on your own PIP policy for your injury costs. You can only turn to another driver’s bodily injury liability coverage after you exhaust these limits. The required limits are:

Higher limits are available to offer more coverage. The amounts above are the minimum requirements for Missouri and Kansas. If you don’t have these limits, the authorities can penalize you for driving without the required insurance. You must carry proof of coverage with you when you ride.

Please note: If you finance or lease the bike, lenders might require comprehensive & collision coverage.

What happens if my passenger is injured in a bike accident?

In Missouri, the passenger can file against your medical payments insurance for their injury costs. They can also file on the other driver’s bodily injury liability coverage if that person is at-fault for the wreck.

Because of Kansas’ PIP coverage rules, passengers must file against the insured biker’s PIP policy first. If another driver is at-fault for the wreck, the passenger can only file against that person’s liability insurance once the PIP policy has paid to its limits.

Remember, neither bodily injury liability insurance nor PIP coverage are a substitute for health insurance. That policy will always pay for your medical bills first.

How do I get insurance for my motorcycle? What do I need to know?

It’s important to understand that you cannot insure a motorcycle under a standard car insurance policy. You have to buy specific motorcycle insurance.

Don’t hesitate to talk to your Winnett Insurance agent about the appropriate way to structure your coverage limits, deductibles and enhancements to always maximize the assistance available to you. We understand all the ins and outs of the motorcycle insurance industry, and can make sure you get the policy that always offers you the best protection at an affordable price.

Don't forget; we also offer Auto, SR-22, Boat and RV Insurance

Contact Us Today! (417) 624-5724