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  • Personal Insurance

Motorcycle Insurance
for Iowa Riders

Hit the open road with confidence. Comprehensive motorcycle coverage that protects you, your bike, and your passion for riding.

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Call (515) 967-3390
  • Ride Protected

Insurance Built for Motorcycle Enthusiasts

Whether you ride a cruiser, sportbike, touring bike, or vintage classic, your motorcycle deserves specialized protection. Standard auto insurance doesn’t cover the unique risks that come with riding on two wheels.

At Densmore Insurance Strategies, we understand the passion that drives Iowa riders. We work with top-rated carriers who specialize in motorcycle coverage to find you the best protection at competitive rates.

Full Coverage

Comprehensive Options

Great Rates

Multiple Carriers

Custom Parts

Accessory Coverage

Local Experts

Bondurant, Iowa

Protecting Iowa riders with specialized motorcycle coverage

  • Understanding Your Coverage

What Is Motorcycle Insurance?

Motorcycle insurance is a specialized policy designed to protect riders and their bikes from financial losses due to accidents, theft, vandalism, and liability claims. Unlike auto insurance, motorcycle policies are tailored to address the unique risks of riding.

Physical Damage

Covers repairs or replacement of your motorcycle if it's damaged in an accident, stolen, or vandalized. Includes comprehensive and collision coverage options.

Liability Protection

Protects you financially if you're responsible for injuries to others or damage to their property while riding. Required by Iowa law.

Medical Payments

Covers medical expenses for you and your passenger if injured in an accident, regardless of who's at fault. Essential for riders.

Iowa Motorcycle Insurance Requirements

Iowa law requires all motorcycle riders to carry minimum liability coverage. However, minimum coverage may not be enough to fully protect you in a serious accident.

  • $20,000 bodily injury per person
  • $40,000 bodily injury per accident
  • $15,000 property damage per accident

Pro Tip

We recommend higher liability limits than the state minimum. Medical costs and legal fees can quickly exceed minimum coverage, leaving you personally responsible for the difference.

  • Coverage Options

Comprehensive Motorcycle Coverage

Build a policy that fits your riding style and budget. From basic liability to full coverage with all the extras, we’ll help you find the right protection.

Collision Coverage

Pays for damage to your motorcycle if you collide with another vehicle or object, regardless of fault.

  • Accident repairs
  • Single-vehicle crashes
  • Hit-and-run incidents

Comprehensive Coverage

Covers non-collision damage including theft, vandalism, fire, weather, and animal strikes.

  • Theft protection
  • Storm damage
  • Vandalism coverage

Bodily Injury Liability

Covers medical expenses, lost wages, and legal fees if you injure someone in an accident.

  • Medical bills
  • Legal defense
  • Settlement costs

Property Damage Liability

Pays for damage you cause to other people's property, including vehicles and structures.

  • Property repairs
  • Vehicle repairs
  • Legal costs

Medical Payments

Covers medical expenses for you and your passenger, regardless of who caused the accident.

  • Hospital bills
  • Surgery costs
  • Rehabilitation

Uninsured/Underinsured Motorist

Protects you if you're hit by a driver with no insurance or insufficient coverage.

  • Medical expenses
  • Lost wages
  • Pain and suffering

Custom Parts & Equipment

Covers aftermarket parts, accessories, and customizations you've added to your bike.

  • Chrome accessories
  • Custom exhaust
  • Saddlebags & gear

Roadside Assistance

Provides help when you're stranded, including towing, flat tire service, and fuel delivery.

  • 24/7 towing
  • Battery jump
  • Lockout service
  • All Bike Types

Coverage for Every Type of Rider

No matter what you ride, we have coverage options tailored to your specific motorcycle and riding style.

Cruisers & Choppers

Harley-Davidson, Indian, Victory, and custom builds

Sport Bikes

Yamaha, Kawasaki, Honda, Suzuki, and Ducati sportbikes

Touring Bikes

Gold Wing, Road Glide, and long-distance touring motorcycles

Adventure & Dual Sport

BMW GS, KTM Adventure, and off-road capable bikes

Vintage & Classic

Antique motorcycles, restored classics, and collectibles

Scooters & Mopeds

Vespa, Honda, and other scooters and mopeds

Don’t see your bike type? We cover all makes and models. Contact us for a custom quote.

Call for Custom Quote
  • Why Coverage Matters

The Reality of Motorcycle Riding Risks

Riding a motorcycle comes with inherent risks. Understanding these risks helps you make informed decisions about the coverage you need.

29x

Higher Fatality Rate

Motorcyclists are 29 times more likely to die in a crash than car occupants

80%

Result in Injury

About 80% of motorcycle crashes result in injury or death to the rider

$15K+

Average Medical Cost

Average medical costs for motorcycle accident injuries exceed $15,000

40%

Involve Other Vehicles

Nearly 40% of fatal motorcycle crashes involve another vehicle

Multi-Vehicle Accidents

Collisions with cars and trucks where drivers fail to see motorcycles

Road Accidents

Potholes, gravel, debris, and uneven pavement that can cause crashes

Weather Conditions

Rain, wind, and reduced visibility create dangerous riding conditions

Theft & Vandalism

Motorcycles are easier targets for theft than cars

High-Speed Impacts

Even minor accidents can result in serious injuries without protection

Uninsured Drivers

Being hit by drivers without adequate insurance coverage

Protect Yourself with Proper Coverage

Don't let an accident derail your life. Comprehensive motorcycle insurance ensures you're protected financially, so you can focus on recovery instead of worrying about bills.

  • Higher liability limits for serious accidents
  • Medical payments coverage for your injuries
  • Uninsured motorist protection
Get Protected Today
  • Why Choose Us

Why Iowa Riders Choose Densmore Insurance

When it comes to protecting your motorcycle and your passion for riding, you need an insurance partner who understands what matters to you. At Densmore Insurance Strategies, we’re not just selling policies—we’re helping fellow riders stay protected on the road.

Independent Agency

We work with multiple carriers to find you the best coverage and rates, not just one company's options.

Local Iowa Experts

Based in Bondurant, we know Iowa roads, weather, and the specific risks riders face here.

Competitive Rates

We shop multiple carriers to find you great coverage at prices that fit your budget.

Motorcycle Specialists

We understand the unique needs of riders and can recommend coverage that actually protects you.

Personal Service

Talk to a real person who knows your policy and can help when you need it most.

Claims Assistance

We advocate for you during the claims process to ensure you get fair treatment.

Since 2005

Protecting Iowa Families

Trusted by hundreds of Iowa riders for their motorcycle insurance needs.

  • Common Questions

Motorcycle Insurance FAQs

Get answers to the most common questions about motorcycle insurance in Iowa.
How much does motorcycle insurance cost in Iowa?
Motorcycle insurance costs vary based on factors like your bike type, riding experience, coverage levels, and driving record. On average, Iowa riders pay between $200-$800 per year for full coverage. We can help you find competitive rates by comparing quotes from multiple carriers.
Yes, Iowa law requires liability insurance for all registered motorcycles, regardless of how often you ride. Even occasional riders face the same risks on the road. Some carriers offer seasonal or lay-up policies that reduce costs during months you don’t ride.
No, standard auto insurance policies do not cover motorcycles. You need a separate motorcycle insurance policy. However, many carriers offer discounts when you bundle your motorcycle and auto policies together.
Standard policies typically include limited coverage for custom parts. If you’ve invested in aftermarket accessories, chrome, custom paint, or performance upgrades, you should add custom parts and equipment coverage to ensure full protection for your investment.
Common discounts include: multi-policy bundling, motorcycle safety course completion, anti-theft device installation, experienced rider discounts, paid-in-full discounts, and good driving record discounts. We’ll help you identify all available discounts.
Yes, your liability coverage extends to injuries your passenger may cause to others. Medical payments coverage can also cover your passenger’s injuries. Make sure your coverage limits are adequate if you frequently ride with a passenger.
Comprehensive coverage protects against theft. If your bike is stolen, you’ll file a claim and receive compensation up to your policy limits, minus your deductible. We recommend comprehensive coverage for all motorcycles, especially in areas with higher theft rates.

Standard motorcycle policies typically exclude coverage for racing or track events. If you participate in track days, you may need a separate track day insurance policy. Let us know about your riding activities so we can ensure you have appropriate coverage.

Ready to Protect Your Ride?

Get a free, no-obligation motorcycle insurance quote from Densmore Insurance Strategies. We’ll compare rates from multiple carriers to find you the best coverage at the best price.

Phone

(515) 967-3390

Email

info@densmoreis.com

Address

85 Paine Street SE, Suite G, Bondurant, Iowa 50035

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What to Have Ready

To get an accurate quote, please have the following information available:

Motorcycle Information

Year, make, model, length, and VIN number

Driver Information

License number and riding experience

Current Coverage

Existing policy details if applicable

Custom Parts

List of aftermarket accessories and their value

Quick Response

We typically respond within 1 business day