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Maschoff Insurance Agency LLC

1451 NE 69th Place
Suite 45
Ankeny, IA 50023

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Iowa Motorcycle Insurance Coverage

Motorcycle Insurance in Iowa

Whether you are enjoying your bike on the roads or have it stored away for a short period of time, motorcycle insurance is a must-have. We can help you here at Maschoff Insurance Agency LLC in Ankeny, IA to protect your investment. We offer various options to give you peace of mind to enjoy your ride every time.

Motorcycle Insurance Requirements

Even though there are no compulsory laws in Iowa, there are still insurance laws that you must meet to drive safely and legally. You can risk losing your license and registration if you cannot show proof of financial responsibility. You will also be responsible for all damages if you cause an accident and do not have insurance.

All Iowa motorcyclists must meet the minimum requirements:

  • Bodily injury coverage per person $20,000
  • Bodily injury coverage for more than one person $40,000
  • Property damage coverage $15,000

Motorcycle Insurance Coverage

Of course, you do not have to get stuck with just liability insurance. To make sure you are fully protected, consider the following coverage options:

  • Collision - Damages to your motorcycle are covered resulting from a collision with another vehicle, object, building, or tree.
  • Comprehensive - Damages to your motorcycle resulting from theft, wind, vandalism, or flooding are covered.
  • Uninsured/underinsured - If you are involved in an accident with an underinsured driver or a driver without any insurance, this coverage will protect you as well as any passengers if you sustain injuries.
  • Medical payments - If you sustain injuries resulting from an accident, medical expenses are covered for both you and your passengers under this option, as well as x-rays and ambulance rides.

Additional coverage options include:

  • Property damage liability
  • Lease/loan gap
  • Motorcycle and off-road vehicle transport trailer damage
  • Towing and labor
  • Optional or added equipment
  • Rental reimbursement


To obtain a quote, visit our Maschoff Insurance Agency LLC website today. We are located in Ankeny, IA.

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Servicing States

  • Iowa
  • Missouri
  • Kansas


Partner Carriers

  • Columbia Insurance
  • Donegal
  • First Comp
  • Hagerty
  • Lemars
  • Liberty Mutual
  • Markel
  • Metlife
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Wellmark
  • West Bend
  • Zurich-US Assure