Motorcycle insurance from Blake Sims, your local GEICO agent.

From the Natchez Trace to the Ozark foothills to the back forty: coverage for motorcycles, ATVs, and the riders on them.

What riders actually need:

A motorcycle policy looks like an auto policy from a distance. Up close, the details are built for riding.

• LiabilityRequired in TN, MS & AR
  Injury and property damage you cause while riding. Tennessee, Mississippi, and Arkansas all require motorcycles to carry the same 25/50/25 minimums as cars.
• CollisionRecommended
  Repairs or replaces your bike after an accident, regardless of fault. Lenders require it on financed bikes.
• ComprehensiveRecommended
  Theft is the big one for bikes, plus fire, vandalism, and storm damage while parked.
• Uninsured MotoristStrongly recommended
  On two wheels, the other driver's mistake costs more. With roughly 1 in 4 drivers across the region uninsured, this coverage earns its keep.
• Accessories & GearOptional
  Custom parts, saddlebags, helmets, riding gear. Optional coverage for everything bolted on or worn.
• ATV & Off-RoadAvailable
  Four-wheelers and side-by-sides can be covered too, on your land and off it. Ask about what your homeowners policy doesn't cover here.

Riding the Mid-South, by the numbers:

Rules of the road that shape what a rider's policy should look like.

• 25/50/25 · Minimum liability for bikes. In all three states, motorcycles carry the same liability minimums as cars: $25K per person, $50K per accident, $25K property damage. Source: State insurance departments of TN, MS, and AR.
• All riders · Helmet law. Mississippi requires helmets for all motorcycle riders and passengers, regardless of age. Helmet rules differ across state lines, so know the law wherever you ride. Source: Mississippi Code § 63-7-64.
• 28% · Uninsured drivers around you. Mississippi's uninsured rate is among the highest in the nation, with Tennessee near 21% and Arkansas near 19%. On a bike, that math matters more. Source: Insurance Research Council.
• 12 mo · Year-round riding. The Mid-South riding season doesn't really end. Year-round riding is a reason to keep coverage active instead of lapsing over winter. Local knowledge.