Collector motorcycles and scooters need special protection, too. With Guaranteed Value^® coverage, claims specialists and parts specialists, we make sure collector bikes are taken care of properly. To qualify for our program, motorcycles and scooters must meet the following requirements:

Motorcycles

• Applicants and/or operators must have at least 10 years' driving experience
• Applicants must have a valid motorcycle endorsement, license or permit
• Motorcycles should be 1996 or older; some special interest motorcycles newer than 1996 can be considered on case by case basis
• Minimum value is $2,000
• Collection of 3 or more motorcycles - minimum value is $1,000 per bike
• Acceptable modifications are custom paint, chromed parts or fiberglass fenders
• Custom built frame or structurally modified motorcycles must be 1975 and older and have a minimum value of $7,500
• Custom built Trikes are not eligible
• Motorcycles must be stored in a fully enclosed garage
• Liability coverage may be limited in your state. Select your state from the regional guidelines dropdown menu above to see the maximum coverage available.
• Collector Raced Motorcycles can be considered for coverage. Please see guidelines under Motorsports Insurance section

State Specific Guidelines

• Alabama: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Alaska: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Arizona: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Arkansas: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• California: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Colorado: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Connecticut: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Delaware: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Florida: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Georgia: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Hawaii: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Idaho: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Illinois: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Indiana: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Iowa: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Kansas: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Kentucky: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Louisiana: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Maine: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Maryland: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Massachusetts: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Michigan: The maximum liability limits offered is $250,000/500,000 or $510,000 CSL.
• Minnesota: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Mississippi: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Missouri: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Montana: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Nebraska: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• Nevada: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• New Hampshire: The maximum liability limits offered is $500,000/$500,000 or $500,000 CSL.
• New Jersey: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• New Mexico: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• New York: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL.
• North Carolina: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL. Motorcycles in North Carolina must be 25 years old and older.
• North Dakota: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered.
• Ohio: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• Oklahoma: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• Oregon: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• Pennsylvania: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered
• Rhode Island: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• South Carolina: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered
• South Dakota: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• Tennessee: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered
• Texas: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• Utah: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered
• Vermont: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• Virginia: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• Washington: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered
• Washington, D.C.: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered
• West Virginia: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• Wisconsin: Motorcycle guest passenger liability is not limited in your selected state and the maximum liability limits offered is $100,000/$300,000 or $100,000 CSL
• Wyoming: Motorcycle guest passenger liability is limited to the state minimum limit in your selected state, so coverage up to $250,000/$500,000 or $300,000 CSL can be offered

Scooters

• Should be 25 years or older
• Minimum value is $2,000
• For collections of 3 or more, the minimum value is $1,000
• There are no coverage restrictions for scooters