What States Require Dirt Bike Insurance? | Hunt or Shred

Do you know if your state requires you to have insurance for your dirt bike? If you're unsure, don't worry; I've got you covered.

While some states require insurance for all off-road vehicles, others have more specific requirements for insurance cover. For example, New Jersey requires dirt bikes and ATVs to be insured if you plan to drive on public roads, but many states don’t require insurance for off-road vehicles at all. 

It's important to know your state's dirt bike laws to ensure you're not breaking any rules. As an avid dirt bike rider, I understand that dirt biking is more than just a hobby - it's a lifestyle. That's why I’ve researched to bring you all the information you need to know about dirt bike insurance cover in various states. With this information, you can ride with confidence knowing that you're protected. So, read on to learn more...

Table of contents


What is Dirt Bike Insurance?

Just like car insurance, you also need a dirt bike or motorcycle insurance to protect yourself and others in case of an accident or dirt bike theft. A dirt bike insurance cover can help pay for damages or injuries resulting from an accident while riding your bike.

Most states do not require insurance for off-road dirt bikes. However, some states may require dirt bike registration and insurance if you plan to ride on public roads. If you're unsure whether insurance is required in your state, you should check with your state's Department of Motor Vehicles (DMV) or consult with an insurance agent.

Dirt bike insurance typically includes liability insurance coverage without or with liability limits depending on the policy you choose when purchasing insurance. This coverage often includes personal injury protection covers  which can help pay for damages or injuries you cause to others while riding your bike.

The liability coverage may include property damage liability, which can help pay for damage to someone else's property, and bodily injury coverage, which can help pay for medical expenses or other costs if you injure someone while riding your bike.

In addition to liability coverage, you may also want to consider optional coverage such as comprehensive coverage, collision coverage, and total loss coverage. Comprehensive coverage can help pay for your bike damages that result from theft, vandalism, or natural disasters. 

If you’re always hitting the road for your off road riding adventures, it’s wise to also include personal injury protection covers. These policies often cover medical bills or medical payments through personal injury protection. 

Before purchasing a policy, you should carefully review the motorcycle insurance requirements and the coverage options. Also, speak with an insurance agent to help you choose the best dirt bike insurance that will ensure you have the coverage you need to protect yourself and your bike.

What States Require Dirt Bike Insurance?

If you own a dirt bike, you might be wondering if you need insurance to ride it legally. The answer is not straightforward, as the rules and regulations vary from state to state. 

In this section, I’ll take you through states that require dirt bike insurance and what the insurance requirements are.

States that Require Dirt Bike Insurance

Some states require all dirt bike riders to have dirt bike insurance. In most cases, if a state requires you to register your dirt bike, it will also require you to have insurance. For example, in California, Florida, Idaho, New Jersey, and Pennsylvania, you must have liability insurance for your dirt bike.

On the other hand, some states don’t require dirt bike insurance. If you live in Arizona, New Hampshire, or Virginia, you are not required to carry a motorcycle insurance policy for your dirt bike. 

However, keep in mind that these states hold you responsible for any damage you cause in an accident. Additionally, you may be required to prove your financial responsibility, and the exact requirements vary by state. 

Below is a table listing a state-by-state breakdown of states that require dirt bike liability insurance and their specific insurance requirements.

State Dirt Insurance Required?
Arizona No
California Yes
Florida Yes
Idaho Yes
New Hampshire No
New Jersey Yes
Pennsylvania Yes
Virginia No
Alabama Yes
Alaska Yes
Colorado Yes
Connecticut Yes
Georgia Yes
Delaware Yes
Hawaii Yes
Illinois Yes
Kentucky Yes
Iowa Yes
Louisiana Yes
Indiana Yes
Kansas Yes
Maine Yes
Maryland Yes
Nebraska Yes
Michigan Yes
Mississippi Yes
Minnesota Yes
Missouri Yes
Massachusetts Yes
Nevada Yes
New Jersey Yes
New York Yes
Oklahoma Yes
Oregon Yes
Pennsylvania Yes
Rhode Island Yes
South Carolina Yes
South Dakota Yes
Tennessee Yes
Texas Yes
Utah Yes
Vermont Yes
Washington Yes
West Virginia Yes
Wisconsin Yes
Wyoming Yes

Keep in mind that this table is accurate as of the current date and is subject to change. It's always best to check with your state's DMV or an insurance provider for the most up-to-date information.

Note that minimum liability coverage requirements vary from state to state. For instance, the minimum coverage in California is $15,000 for any bodily injury per person, $30,000 for any bodily injury per single accident, and $5,000 for property damage for a single accident. 

In Florida, the minimum coverage is $10,000 for property damage liability and $10,000 for bodily injury liability per person. It’s always best to confirm the dirt bike insurance cost of different companies in your state so that you get the best deal on your motorcycle insurance policy.

Street-Legal Dirt Bikes

Just like car insurance, most states will require you to have motorcycle insurance coverage if you own a street-legal dirt bike. You’ll need to have insurance just like other dirt bikes to maintain a clean driving record. 

Street-legal dirt bikes meet the requirements for on-road use, such as turn signals, mirrors, and other safety equipment. Just like car insurance, most states will require coverage. 

Off-Road Riding

If you plan to ride your dirt bike off-road only, you may not need insurance in some states. However, note that some states require insurance for off-road vehicles that are used on public land or designated trails.

Competition and Racing

If you plan to compete in motocross or other dirt bike racing events, you may need additional insurance coverage for your motocross dual sport bikes. Some events require you to have liability insurance, and you may also want to consider comprehensive and collision coverage to protect your bike.

Why Do You Need Dirt Bike Insurance?

If you own a dirt bike, you may wonder if you need insurance. The answer is that it depends on your state and how you use your dirt bike. However, even if your state doesn't require insurance, it's still a good idea to have it for a safety course.

A Dirt Bike Insurance Covers Injuries and Property Damages 

Dirt bike accidents can result in serious injury or private property damage. If you cause an accident while riding your dirt bike, you could be held financially responsible for any damages. 

This could include medical bills for injuries sustained by other people or property damage to someone else's vehicle or property. Having insurance can help protect you from these financial liabilities, meaning they’ll cover for the medical payments in case you injure someone.

Your Dirt Bike Can Be Stolen 

Dirt bikes are often targets for theft. If your dirt bike is stolen, having insurance can help cover the cost of replacing it. This is especially important if you have invested a lot of money into your dirt bike or if it’s your primary mode of transportation.

You Might Need Financial Responsibility in Some Areas 

If you're riding your dirt bike on public land or trails, you may be required to have insurance as a form of financial responsibility. This means that if you cause damage to public property, you will be able to cover the cost of repairs.

A Dirt Bike Insurance Can Help When Filing a Claim 

Lastly, having insurance can help you in the event that you need to file a claim. If you are involved in an accident, or your dirt bike is stolen, filing a claim can help you recoup some of the financial losses you may have incurred.

To summarize, the insurance requirements for dirt bikes vary depending on the state and how you plan to use your bike. That said,  having it's still a good idea even if your state does not require you to have one. 

Dirt bike insurance can protect you from financial liabilities and give you peace of mind while riding. If you're unsure about what insurance you need, you can always contact an insurance provider for a quote. Consider shopping around to find the best dirt bike insurance rates.

Key Takeaways

  • Even if your state doesn’t require motorcycle insurance, having one is important.
  • You may still be held financially responsible for any damages caused in an accident.
  • Some states require insurance for all off-road vehicles, including dirt bikes.
  • Your insurance may vary depending on your needs and your state's requirements.
  • Carry motorcycle insurance so you don’t find yourself on the wrong side of the law.




25 years old. I'm from PA. I love horseback riding and riding ATV's. My husband and I own a farm and our ATV's help us work and have fun.

Read More About Elizabeth