Motorcycle Insurance in Kentucky

Whether you ride backroads, scenic routes, or head out for weekend trips, motorcycle insurance helps protect you, your bike, and your passengers. United Agency of Kentucky offers fast quotes and flexible coverage options designed for how riders in Eastern Kentucky actually ride.

The Coverage You Need - Without the Hassle

Motorcycle riders want three things: required coverage, smart optional protections, and a fast quote. We help you check all three boxes by shopping multiple carriers and explaining options clearly - no pressure, no guesswork.

Motorcycle Coverage Options Explained

Liability Coverage

Required in Kentucky, liability helps pay for injuries or property damage you cause to others while riding. We'll make sure your policy meets state requirements and discuss higher limits for added protection.

Collision Coverage

Helps repair or replace your motorcycle if it's damaged in an accident, regardless of fault.

Comprehensive Coverage

Protects against non-collision losses such as theft, fire, vandalism, or hitting an animal - especially important for bikes parked outdoors or stored seasonally.

Uninsured / Underinsured Motorist

Helps protect you if you're hit by a driver who doesn't have enough insurance.

Passenger Coverage

Options are available to help protect passengers riding with you. We'll explain how each carrier handles this coverage.

Custom Parts & Accessories

Coverage for aftermarket upgrades such as exhausts, saddlebags, seats, and handlebars - often limited unless specifically added.

Roadside Assistance

Optional towing and roadside help if your bike breaks down away from home.

Coverage for Seasonal & Fair-Weather Riders

Many Kentucky riders don't ride year-round. Depending on the carrier, you may be able to:

• Reduce coverage during winter storage
• Maintain comprehensive protection while the bike is stored
• Review coverages before spring riding season
  

Spring checklist:

• Confirm liability limits
• Revisit custom parts coverage
• Check deductibles
• Update storage location



We'll help you keep coverage aligned with how and when you ride.

Built for Eastern Kentucky Roads

From winding rural roads and wooded routes to weekend travel across the region, riding conditions in Eastern Kentucky come with unique risks. We help riders choose coverage that reflects real-world riding - not just minimum requirements.

Information Needed for a Quote

A Better Motorcycle Insurance Experience

Get Covered and Get Riding

We'll help you find motorcycle insurance that fits your bike, your riding style, and your budget.