Motorcycle Insurance That Rides With You

Smart, Personalized Coverage From Your Local Experts in Germantown, MD

What Your Motorcycle Insurance Policy Should Cover

Every motorcycle—and every rider—is different. We take the time to help you build a policy that fits your bike, how you ride, and what you value most.

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Liability Coverage

Required in Minnesota. Covers injuries or property damage you may cause in an accident.

Collision Coverage

Pays to repair or replace your bike if it’s damaged in an accident, regardless of fault.

Comprehensive Coverage

Protects against non-collision damage like theft, vandalism, animal strikes, or severe weather.

Uninsured/Underinsured Motorist

Steps in if you're hit by a driver with too little—or no—insurance.

Medical Payments or PIP

Covers medical expenses for you and your passenger, no matter who was at fault.

Coverage Add‑Ons That Matter

Riders know that the details matter. These extras can make a big difference when the unexpected happens.

Custom Parts & Equipment

Coverage for aftermarket parts, performance upgrades, and accessories like saddlebags, paint, or audio systems.

Trip Interruption Coverage

Covers meals, lodging, and transportation if your bike breaks down far from home.

Roadside Assistance

Help with flat tires, dead batteries, towing, and other unexpected issues on the road

Motorcycle Insurance FAQs

  • Is motorcycle insurance required in Minnesota?

    Yes. Minnesota requires liability and uninsured/underinsured motorist coverage for all riders.

  • Does insurance cover passengers?

    It can—if your policy includes guest passenger liability or medical payments. We’ll help make sure you're covered.

  • Do I need coverage in the off-season?

    Yes. Year-round coverage protects your bike from theft, vandalism, or garage damage—even when it’s not on the road.

  • Can I insure custom parts or modifications?

    Absolutely. We offer additional coverage specifically for aftermarket parts and upgrades.

  • Is motorcycle insurance more expensive than auto?

    Not necessarily. Premiums vary based on the bike, your riding history, and how often you ride. We’ll help you compare options.

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Let’s Get You on the Road

Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.

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Let’s Get You—and Your Bike—Covered for the Road Ahead