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Tarheel Insurance Group

201 N Front St
Suite 915
Wilmington, NC 28401

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Motorcycle Insurance in North Carolina


Motorcycle insurance will protect you and your new bike against the risk of accidents. Whether you’re a casual or frequent rider in Wilmington, NC, you can benefit from motorcycle insurance coverage. At Tarheel Insurance Group, we can help you purchase coverage that suits your budget and lifestyle. Here’s what you should know about motorcycle policies in North Carolina.

Required Coverage

Motorcycle liability insurance is required in North Carolina by law. It protects others in accidents that are your fault. If an accident you cause results in injuries or damage to other riders or drivers, liability pays their medical or property damage costs. This saves you from covering these expenses out of pocket.

Optional Coverage

Collision, comprehensive and uninsured motorist coverage aren’t mandatory, but they provide valuable coverage to protect your bike. Even a minor accident can cause extensive damage to a motorcycle. A high-end bike could wind up costing you thousands of dollars in repairs in the event of an accident.

Collision insurance covers collision damage to your bike. Comprehensive protects your bike against theft and damage caused by non-collision incidents like hail, vandalism, falling debris, fire, etc. Uninsured motorist insurance covers repairs to your bike if it’s hit by an uninsured driver.

Importance of Motorcycle Coverage

The more time you spend on the road, the greater your risk of having an accident. If you cause an accident in Wilmington NC or beyond, you could be held liable for damages. Road trips increase your risk of having your bike stolen or damaged by inclement weather during your travels. Any of these scenarios can be costly if you had to cover damages on your own. Motorcycle insurance protects your financial assets by covering injuries and damages caused by these situations and others.

At Tarheel Insurance Group, we can customize your motorcycle insurance policy to ensure you’re getting accurate protection for your lifestyle. Call or visit us today for all your motorcycle insurance needs.

Partner Carriers


  • Allstate
  • Attune
  • Cabrillo Coastal
  • Chubb
  • Dairyland
  • Foremost
  • Geovera
  • Grange
  • Guard Insurance Group
  • Hagerty
  • Heritage
  • Kemper
  • Liberty Mutual
  • Lighthouse
  • National General
  • Nationwide
  • North Carolina Joint Underwriting Association (NCJUA)
  • Progressive