Motorcycle Insurance

Motorcycle Insurance

Kentuckians have long known Kentucky Farm Bureau as their hometown provider of home and auto insurance. But have you heard the rumblings? We now offer great rates on coverage for motorcycles, too! Whether you're cruising Kentucky's country roads on a classic chopper, touring cycle, or a sport bike, we've got you covered.

Contact your local Kentucky Farm Bureau Insurance agent for more details about policy coverages and availability. No matter where you live in Kentucky, there's a local agent near you.

Coverage options

Kentucky Farm Bureau Insurance offers the following motorcycle insurance coverage:

Motorcycle liability coverage 

  • Bodily injury liability
  • Property damage liability

Motorcycle physical damage coverage

  • Collision
  • Other than collision

Coverage for added protection

  • Uninsured motorists
  • Underinsured motorists
  • Personal injury protection
    • Basic personal injury protection
    • Passenger personal injury protection
    • Pedestrian personal injury protection
  • Customizing equipment coverage
  • Rider safety apparel coverage

Other coverage options

  • Medical payments coverage
  • Towing and labor cost coverage
  • Trip interruption coverage
  • Replacement cost coverage for your motorcycle
  • Replacement cost coverage for customizing equipment

* We can also offer coverage for motorcycle cargo trailers and motorcycle transport trailers under this same policy.

Ways to save

Check out a brief description of some of our discounts below. If you're interested in learning more, chat with your local agent for specific rules and eligibilities. 

Claims Free Discount
Earn discounts based on claims free driving!

Farm Association Discount
Are you a member of a farming association?  If so, you may qualify for a discount!

Loyalty Discount
Have you been a Kentucky Farm Bureau member?  If so, you may qualify for a discount!

Motorcycle Association Discount
Are you a member of a motorcycle association?  If so, you may qualify for a discount!

Multi-policy Discount
Do you carry multiple lines of insurance coverage through us?  You can save on your premiums when you carry your homeowner, farmowner, mobile home, and automobile policies with Kentucky Farm Bureau Insurance.

Heritage Discount
Are you classified as a "regular" KFB member? If you are, you're eligible for a discount on your motorcycle insurance. Thank you for putting the "farm" in Kentucky Farm Bureau! 

Safety Device Discount
Is your motorcycle equipped with anti-lock brakes or anti-theft devices?  You may be eligible for a discount!

Seasonal Use Discount
Do you only occasionally use your motorcycle during the months of December, January and February?  If so, you may be eligible for a discount.

Defensive Driving Course Discount

  • Senior Operator Accident Prevention
    We honor drivers aged 55 and older who successfully complete an approved safety course.  Provide us with a certificate of completion, we’ll save you some green.
  • Military Defensive Driving Course
    We salute members of the United States Armed Forces who have taken a defensive driving course provided by the U.S. Armed Forces.  Drivers must submit a certificate showing completion of an approved defensive driving course.  Thank you for your service!

Motorcycle Safety Discount
Have you completed a motorcycle accident prevention class?  If so, you may be eligible for a discount!

About Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.

Ward, the leading provider of benchmarking and best practices studies for the insurance industry, lists Kentucky Farm Bureau Mutual Insurance Company as one of the top 50 performing property/casualty companies in the industry. This award recognizes outstanding financial results in the areas of safety, consistency, and performance over the past five years. Kentucky Farm Bureau Insurance is also rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.

   |  one of the highest ratings awarded by the A.M. Best Company   |   rated an A+ with the Better Business Bureau (BBB)

What to do if you're involved in an accident

If you have been involved in an accident, click here for instructions on what to do next.

For answers to frequently asked questions regarding motorcycle claims, click here.

Life's Blueprints: A KFB Insurance Blog

Information that will help keep you and your loved ones safe and savvy – whether you’re on the road or in your old Kentucky home.

What you need to know about your motorcycle insurance claim
What you need to know about your motorcycle insurance claim

The answers to these frequently asked questions might be helpful in expanding your motorcycle insurance claims knowledge.
 

Cruising Kentucky: 5 essential motorcycle safety tips
Cruising Kentucky: 5 essential motorcycle safety tips

Cruising the backroads of the Bluegrass on a bike is a great way to experience the scenic beauty of our state. However, driving or riding on a motorcycle can also be dangerous. Safe riding requires preparation, coordination, and excellent judgment.