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Motorcycle Insurance

For Ohio Riders

Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you’re properly protected. We know the ins and outs of insurance.

Top Ohio Motorcycle Insurance Agency

Are you shopping for motorcycle Insurance in Ohio? Whether you are a die-hard ride lover or new and just having fun, insurance coverage is necessary. Being responsible while on the road is a good practice, but it isn’t enough. If you are a motorcycle owner, finding the right insurance is your greatest responsibility.

While you may buy a bike in Ohio without insurance, it’s a requirement that you provide proof of insurance before hitting the road. Therefore, you should consider getting your motorcycle insurance from a reputable insurance company such as Ellerhorst if you want to enjoy your ride without having to cross paths with Ohio’s authorities.

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Serving The Community Since 1915.

We provide coverage for motorcycles, motor scooters, motorized bicycles, off-road motorcycles and trail bikes. Ellerhorst Russell insurance Agency can help you choose the coverage that’s right for you.​

What Is Motorcycle Insurance?

If you’re planning to own a bike for the first time, you may not be aware of what is expected of you before using your new baby. As much as you are planning to have a good time using it, you should also keep in mind that bad times may come along with the best moments.

But how are you prepared to tackle the bad times you may face while using your bike? That’s where a motorcycle insurance policy comes in handy!

Therefore, motorcycle insurance is insurance coverage that protects you and your motorcycle against damages in the event of an accident or theft.

Many riders call us whenever they are involved in a motorcycle accident, only to realize their motorcycle is not covered by their auto insurance. Although you might think having insurance is not necessary, it might dawn on you that you need it badly in the case of a severe accident.

How Much Does Motorcycle Insurance Cost in Ohio?

How much money you spend on insuring your motorcycle depends on such factors as the type of insurance you are buying, the type of motorcycle you have, and much more. The motorcycle insurance coverage amounts were established to be as follows (minimum)
"A grandfather and his grandson are cruising down a country road on a motorcycle with a sidecar. The grandfather is driving while the grandson is sitting in the sidecar, both are beaming with happiness and excitement. The fields on either side of the road are lush and green, and the clear blue sky stretches out overhead."

Minimum Ohio Requirements

$25,000 for death or bodily injury to one person

$50,000 for death or bodily injury to two or more persons

$25,000 for damage or destruction of property

If you compare the minimum coverage in Ohio with other states, you’ll find it average. However, if an accident is more fatal, the amount will exceed the minimum set.

In this case, if you are found to be at fault in the accident, you’ll need to meet all the additional expenses. Also, if the motorist who might be at fault is uninsured, you’ll still have to meet the extra costs, which might be a threat to your savings.

Below are some of the factors that influence the cost of motorcycle insurance for your ride.

Factors That Influence Cost

  • Make, model, and age of your motorbike
  • Coverage limits
  • Driving records
  • Annual mileage and much more

"A bearded man in a leather jacket rides his motorcycle down a city alleyway. He has a focused expression on his face as he navigates through the urban landscape, with buildings rising up in the background."

Safety Requirements

For motorcycle riders, Ohio has some of the strongest rules and regulations to ensure the safety of the rider at all times. Whether you’re trying to beat traffic congestion in the city or riding on rural roads, you should always ensure your bike is street-legal.

Below are some of the safety items required by the law that you and your bike have before hitting the road.

  • Helmet. Wearing a helmet is compulsory if you’re a novice, that’s when in your first year of riding or if you’re under 18 years of age. It’s also compulsory for any passenger on the bike.
  • Eye protection. If your motorbike is not equipped with a windscreen, you are required to have your eyeglasses, goggles, or face shield on in your helmet.
  • Passenger seat and footrest. If you’re carrying a passenger, your bike should be equipped with a passenger seat and a footrest
  • The handlebar height should not be taller than your shoulders height
  • Your bike should be equipped with a headlight
  • You must carry proof of insurance
  • You must carry along a valid Temporary Instruction Permit Identification Card (TIPIC) or a motorcycle endorsement on the driver’s license; R.C. 4510.12

Types of Motorcycle Coverage

There are several varieties to choose from when it comes to motorcycle coverage in Ohio. Below are the most common insurance coverages you’ll find.

List of top motorcycle insurance coverages

A man wearing a leather jacket, white helmet, and glasses is taking a picture of his motorcycle with his cell phone. He is standing near a short brick wall with bushes on top, and has a slight smile on his face.
Collision
This is the type of insurance that covers damage if your bike is involved in a collision with another vehicle. In this case, your insurance company will pay all the damages caused to your motorcycle minus the deductible. Usually, the payment is based on the book record of your bike before the accident, which is the actual value of the bike at the time of the accident.
The image on the motorcycle insurance page features a classic red motorcycle parked on a scenic farm field, with the motorcycle taking center stage in the foreground. The motorcycle looks well-maintained and polished, with its classic design and shiny chrome details adding to its visual appeal. The backdrop of the image is a sprawling farm field with rolling hills and greenery, which adds to the overall sense of tranquility and freedom that one might experience while riding a motorcycle through scenic countryside areas. This image could be intended to convey the sense of adventure and exhilaration that comes with owning a motorcycle, while also highlighting the importance of protecting oneself with motorcycle insurance.
Bodily Injury Liability and Property Damage Liability
This liability coverage covers bodily injury and property damage caused to other people involved in the accident. Note that liability insurance coverage does not cover any bodily injury to you or your motorcycle’s damage. However, you might also find a Guest Passenger Liability which covers a passenger on your motorcycle depending on the insurance company.
The image on the motorcycle insurance page features a classic red motorcycle parked on a scenic farm field, with the motorcycle taking center stage in the foreground. The motorcycle looks well-maintained and polished, with its classic design and shiny chrome details adding to its visual appeal. The backdrop of the image is a sprawling farm field with rolling hills and greenery, which adds to the overall sense of tranquility and freedom that one might experience while riding a motorcycle through scenic countryside areas. This image could be intended to convey the sense of adventure and exhilaration that comes with owning a motorcycle, while also highlighting the importance of protecting oneself with motorcycle insurance.
In the image, a man is seen sitting on a hospital bed with a cast on his right leg, wearing a content smile on his face. Standing next to him is a female doctor, who appears to be having a conversation with him. The image likely portrays a scenario in which the man was involved in a motorcycle accident and had to seek medical treatment. Despite his injuries, the man seems to be in good spirits, perhaps because he has motorcycle insurance to help cover his medical expenses and protect him in the event of an accident. The presence of the doctor may also suggest that he is receiving quality care, which can provide peace of mind for both him and his loved ones.
Medical Payments
For medical payments coverage, your insurance company pays the medical costs as a result of any injury sustained during the accident, along with the costs of the injuries sustained by your passenger.
The motorcycle insurance page features an image of a female rider wearing a white helmet and sunglasses, with a big smile on her face as she enjoys her ride on a sunny day. The woman is pictured riding her motorcycle, which is positioned in the foreground of the image, with the open road stretching out behind her. The surrounding landscape is framed by trees on either side, adding a natural element to the scene. The bright sunshine in the image adds to the overall sense of warmth and freedom that comes with riding a motorcycle in good weather conditions. This image is likely intended to showcase the joy and sense of adventure that comes with motorcycle riding, while also highlighting the importance of having the right insurance coverage to protect oneself on the road.
Comprehensive
A comprehensive policy works in favor of your motorcycle. It pays for all the damages sustained by any other cause apart from collision. This includes damages caused by theft, water, fire, wind, vandalism, and more. In such a case, your insurance company will pay for damages caused depending on the value of your bike at the time of the accident.
The motorcycle insurance page features an image of a female rider wearing a white helmet and sunglasses, with a big smile on her face as she enjoys her ride on a sunny day. The woman is pictured riding her motorcycle, which is positioned in the foreground of the image, with the open road stretching out behind her. The surrounding landscape is framed by trees on either side, adding a natural element to the scene. The bright sunshine in the image adds to the overall sense of warmth and freedom that comes with riding a motorcycle in good weather conditions. This image is likely intended to showcase the joy and sense of adventure that comes with motorcycle riding, while also highlighting the importance of having the right insurance coverage to protect oneself on the road.
The motorcycle insurance page features an image of a man and a woman, both dressed in motorcycle riding gear, holding hands and looking at their motorcycle in the background. The couple is positioned in the foreground of the image, with their backs turned towards the viewer as they admire their motorcycle. Both the man and the woman are holding helmets, indicating that they prioritize safety while riding their motorcycle. The background of the image features their motorcycle, which is parked and waiting for their next adventure. The surrounding area appears to be an open road or a scenic area, which could signify the couple's love for exploring new places on their motorcycle. This image likely showcases the sense of companionship and shared experiences that come with motorcycle riding, while also emphasizing the importance of having the right insurance coverage to protect oneself and one's partner on the road.
Uninsured/Underinsured Motorist (UM/UIM)
If you’re involved in an accident with a vehicle whose insurance is not paid or is underpaid, this insurance policy will cover the damages caused. It typically pays for lost wages and medical treatment, and some companies may cover property as well.
The image on the motorcycle insurance page depicts a woman dressed in motorcycle riding gear, holding a white helmet and using her cell phone to call for roadside assistance. The woman is standing next to her motorcycle, which is visible in the background of the image, with trees and cars also present in the surroundings. The woman appears to be in a safe location and calmly handling the situation, suggesting that she is well-prepared and equipped with the necessary tools and resources, such as her motorcycle insurance and roadside assistance coverage, to handle unexpected incidents while on the road. This image likely aims to emphasize the importance of being prepared for unforeseen circumstances while riding a motorcycle and the value of having adequate insurance coverage to provide peace of mind and support in such situations.
Road Trouble Services
In cases where you get stuck on the road for any reason, road trouble service insurance also called roadside assistance covers the towing expenses. Such services are sometimes provided for free but the only way to be guaranteed immediate assistance is through your insurance company.
The image on the motorcycle insurance page depicts a woman dressed in motorcycle riding gear, holding a white helmet and using her cell phone to call for roadside assistance. The woman is standing next to her motorcycle, which is visible in the background of the image, with trees and cars also present in the surroundings. The woman appears to be in a safe location and calmly handling the situation, suggesting that she is well-prepared and equipped with the necessary tools and resources, such as her motorcycle insurance and roadside assistance coverage, to handle unexpected incidents while on the road. This image likely aims to emphasize the importance of being prepared for unforeseen circumstances while riding a motorcycle and the value of having adequate insurance coverage to provide peace of mind and support in such situations.
The motorcycle insurance page features an image of a man and a woman riding a motorcycle through a scenic countryside area. The man is driving the motorcycle, wearing a white t-shirt and sunglasses, with a smile on his face as he looks ahead towards the road. The woman is riding pillion, wearing a green shirt and smiling at the camera, indicating that they are both enjoying their ride. The backdrop of the image features lush greenery and blue skies with fluffy white clouds, adding to the picturesque and serene environment. This image is likely intended to showcase the sense of adventure, freedom, and joy that comes with motorcycle riding, especially when exploring new places with a partner. The image may also highlight the importance of having the right insurance coverage to protect oneself and one's partner while enjoying the open road.
Additional Expense
Covers you in the event you cant use your motorcycle for expenses such as a rental motorcycle.

Top Ohio Motorcycle Insurance Agency

If you’re looking for the best insurance company in Ohio, Ellerhorst Russell Insurance Agency has your back! Our company will work with you closely to understand your needs and make sure you’re properly protected. We some of the best policies to choose from. Ellerhorst provides insurance coverage for motorcycles, motor scooters, motorized bicycles, off-road motorcycles, and trail bikes.

Perhaps you’re a first-time motorcycle owner, Ellerhorst Russell Insurance will help you choose an affordable motorcycle insurance policy that best suits your needs.

We offer the following coverage options;

  • Collision
  • Comprehensive
  • Medical payment
  • Bodily Injury Liability & Property Damage Liability
  • Uninsured/Underinsured Motorist
  • Additional Expense

Located at 10864 North Street Garrettsville, OH 44231, Ellerhorst Russell Insurance Agency also offers other insurance policies such as personal, business and farm insurance. The company proudly serves North East Ohio and is delighted to make insurance purchasing simple and ensure their clients are satisfied.

Looking for an insurance company near me or motorcycle insurance quote? Contact Ellerhorst Russell for the best policy deals.

ATV and Offroad Vehicle Insurance

The image on the ATV and off-road insurance page depicts a side-by-side vehicle driving down a trail, surrounded by trees and mountains in the background. The vehicle is in motion and appears to be off-roading on a rugged terrain, with dirt and dust flying in the air. The mountains in the background add a sense of adventure and natural beauty to the scene, while the trees provide a natural barrier and obstacle course for the vehicle. This image is likely intended to convey the excitement and thrill of off-roading and the need for proper insurance coverage to protect the vehicle and its occupants while engaging in such activities. The image may also encourage safe and responsible off-roading practices that respect the environment and other outdoor enthusiasts.

If you are riding an ATV, you probably understand the risks involved. Therefore, insurance is necessary in case of any damage that happens. Typically, ATV insurance is meant to protect you and your motorcycle against any damage sustained.

Since these types of bikes are ridden in challenging terrains such as muddy, snowy, sandy, and much more, collision or comprehensive insurance can be the best options as they will cover all the expenses in case you run into the unexpected.

With the knowledge of where such bikes are operated, you need to play around well with the perfect insurance combos. Apart from comprehensive and collision policies, you may also want to include medical coverage, Uninsured/Underinsured Motorist as well as property damage liability. By combining these, you’re sure all the liabilities will be catered for, and you don’t have to break the bank.

Final Thoughts on Motorcycle, ATV, and Off-Road Insurance

As you’ve seen, motorcycle insurance is a requirement in the state of Ohio. Just like shopping for any other insurance policy, a motorcycle follows the same process. An insurance agency such as Ellerhorst Russell Insurance Agency is one of the best companies that will hold your hand throughout your motorcycle insurance process, providing you with all you need to make well-informed decisions. Contact us today to get the best policies for your motorcycle and any other insurance needs.
This is an image of the auto-owners insurance logo. Its is a navy blue color. Auto Owners if one of the carriers Ellerhorst Russell Insurance has to offer.

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Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you’re properly protected.​

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