Smiling rider with Motorcycle Insurance in Des Moines, IA from The Insurance Specialists Inc.

Hit the Road Safely with Trusted Motorcycle Insurance

Owning a motorcycle comes with freedom—and risk.

As a rider in Iowa, having the right insurance isn’t just a legal requirement—it’s critical protection for your safety and your finances.

With countless drivers sharing the road, accidents and unexpected incidents can happen in an instant. When they do, the last thing you want is to face it alone or pay out of pocket.

That’s why we offer tailored motorcycle insurance policies that provide real peace of mind—helping cover repair costs, medical bills, and other expenses so you can get back on the road fast.

Motorcycle insurance protects more than just your ride. It also covers:

  • 1

    Theft,

  • 2

    Weather-related damage,

  • 3

    And incidents involving other vehicles.

Whether you’re cruising through Iowa’s scenic routes or parking downtown at a weekend event, comprehensive coverage keeps you prepared for the unexpected.

We proudly serve riders with Motorcycle Insurance in Des Moines, IA and the surrounding areas.

Get a quick quote today and ride protected.

Tailored Coverage Options for Your Motorcycle

At The Insurance Specialists, Inc., we offer a wide range of bike insurance solutions to meet the specific needs of riders.

By partnering with leading insurers like Dairyland and Progressive, we ensure you get the most suitable coverage at competitive rates.

Explore our customized options to find the best protection for your ride:

  • Liability Protection: Covers costs if you cause damage or injuries to others while riding.

  • Collision Protection: Helps pay for repairs to your motorcycle after an accident.

  • Comprehensive Protection: Covers non-collision incidents such as theft, vandalism, or damage from natural events.

  • Uninsured/Underinsured Motorist Protection: Protects you if you’re involved in an accident with someone who has little or no insurance.

  • Medical Expense Coverage: Pays for medical care for you and any passengers in the event of an accident.

  • Roadside Assistance: Provides 24/7 support in case your motorcycle breaks down or you need help on the road.

Why Choose The Insurance Specialists, Inc.

Selecting the right motorcycle insurance provider is essential. Here’s why riders trust us:

Expert Advice

Benefit from the knowledge of our experienced Iowa insurance professionals, who understand the unique needs of motorcycle riders.

Flexible Coverage

Customize your insurance plan to suit your riding habits, bike model, and personal preferences.

Competitive Pricing

We partner with leading carriers to bring you affordable rates without sacrificing quality coverage.

Reliable Partnerships

Our strong relationships with top insurers ensure you receive dependable and comprehensive motorcycle protection.

Motorcycle Insurance FAQs

We understand that motorbike insurance can seem complicated, so we’ve put together answers to the most frequently asked questions. Whether you’re new to riding or looking to update your coverage, these FAQs will help you make informed decisions with confidence.

Motorcycle insurance generally protects you in various situations, from accidents to theft or damage. Depending on your policy, you can have coverage for medical bills, repairs, and even accidents caused by drivers without insurance.

Yes, most states, including Iowa, require that you carry at least basic liability insurance to ride your motorcycle legally. This type of insurance ensures you can cover any damages or injuries you may cause to other people in an accident.

The price of your policy depends on things like your age, the kind of bike you ride, your driving history, and the type of coverage you select. If you have a high-performance motorcycle, you might see higher premiums compared to more standard bikes.

Absolutely! Many insurers provide discounts when you package your motorcycle insurance together with other policies, such as home or auto coverage. This bundling option is a great way to lower your costs while keeping your protection intact.

In most cases, if your policy includes medical coverage or personal injury protection, it will extend to anyone riding with you. Always confirm this with your provider to make sure you and your passengers are protected.

Yes, some policies allow you to add coverage for your protective gear. If you frequently wear expensive equipment or have custom riding gear, it’s worth checking to see if you can add this to your plan.

Most insurance providers offer additional coverage for custom parts and accessories. Be sure to notify your insurer about any modifications to ensure they’re included under your policy in case of damage or theft.

If you have comprehensive insurance, your motorcycle is covered against theft. Comprehensive coverage also helps with non-accident-related incidents, like vandalism or weather damage.

There are a few ways to reduce your insurance premium: you can take a safety course, maintain a clean riding record, or increase your deductible. Bundling your policies with the same insurer is another common way to save.

Typically, standard motorcycle insurance doesn’t cover racing or organized track events. If you’re a racer or enjoy track days, you’ll need to look into specialized insurance.

Our Other Recreational Insurance Services

Discover a comprehensive selection of recreational insurance services designed to protect your favorite outdoor vehicles. Click on the links below to explore coverage options that best fit your lifestyle and ensure peace of mind during your adventures.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

Customer Ratings & Reviews

Why our clients love us