Spokane Motorcycle
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Biker riding on a motorcycle

Protection You Deserve

Do you need motorcycle insurance in Spokane, Washington? The state of Washington requires riders to have a minimum amount of motorcycle insurance in order to operate their vehicles legally. The good news is that Boyd Insurance Brokerage offers affordable motorcycle insurance.

Washington Mandated Minimum Insurance Requirements

As of July 28, 2019, Washington state law mandates that motorcycle operators have a minimum amount of insurance and are no longer exempt from insurance coverage laws. This means that drivers must have a certain amount of liability coverage, including:

  • $25,000 minimum coverage for injuries or deaths caused to another person
  • $50,000 minimum coverage for injuries caused to all of the other people involved in the accident or to cover the deaths of all other people.
  • $10,000 minimum coverage in order to pay for any property damage to someone else’s property.
Guy P.
Guy P.
Tristan was most helpful when we needed... additional insurance coverage on our shared lake property. He was very informative and explained in detail the extra insurance that we desired.Thank you Tristan!Guy & Diane Perhamread more
Steve R.
Steve R.
It is always great working with Boyd Insurance!... Very friendly and helpful! Great prices and easy process.read more
Zach S.
Zach S.
Fast and thorough. Thank you
Tyler C.
Tyler C.
Great costumer service and very helpful with any... questions or concerns with car insuranceread more
Todd C.
Todd C.
Boyd Insurance is a top notch broker. They are... always quick to update my policies. They offer great advice for saving money on premiums, too. We appreciate our long relationship with them!read more
David H.
David H.
Sophia was amazingly professional and helpful... with adding my new truck onto my insurance. I highly recommend Progressive as a home/auto insurance company.read more
Kai M.
Kai M.
Fantastic customer service and help in all... departments to help get things accomplished in a timely mannerread more
Hunter M.
Hunter M.
After a day or so and several hours searching for... at the least, a quote to get my business insured. I found Annalise referred to me by a friend. She was awesome asked all the right questions and in just hours after a short phone call a well organized spread sheet with my quote on it. AWESOME! Very professional. And not an automated phone system!read more
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After a venture through a menagerie of phone... calls, emails, and websites, I felt lost in the corporatized world of automobile insurance companies—until I called the downtown Boyd office.The attention to care from Tristan was above and beyond, anyone who can stand my sense of humor is alright by me. I felt less like a vin number and payment ledger, and more like a friend when I called. It's not about what you're treated to, but how you're treated in life, and today was a pleasantry well reflecting this.Thank you, Boyd Ins. Brokerage again, and thank you Tristan, you are much appreciated!read more
Dianah E.
Dianah E.
Bill always does a great job for me and my... family. He always makes sure we are paying what we should and that we are covered 100%. Thank you Bill and team!read more
Richard C.
Richard C.
I have been with Boyd insurance for years. I have... shopped around to just check on what I'm paying and everytime I get the same answer ! I get a great rate with them but more important the customer service is the best out there. I'm insured with safeco insurance through and I have never been happier. Tristan has helped me on numerous times and I can't ask for anyone better.Thanks Tristan for all the help in taking care of my auto insurance along with my homeownersYou guys are a great teamRichard Cainread more
Travis F.
Travis F.
Victoria was amazing!! She helped us get our home... insurance and was extremely quick, efficient and very helpful!!read more
Kimberlyn T.
Kimberlyn T.
I've been a customer of Boyd for two years,... Sophia has provided me with knowledge and exceptional service!read more
AnneMarie D.
AnneMarie D.
Tristan is an amazing insurance agent and is a... great asset to Boyd Insurance Brokerage Inc. He knows how to break down the "insurance talk" so I understand exactly what I'm paying for. Tristan gets me the best coverage for the best price and truly cares about me as a customer. I could not ask for a better agent, or a better brokerage!read more
Dave T.
Dave T.
Been with Boys for 15+ years. Thanks for all you... do for us. Sophia is great!read more
Siphow Siphow H.
Siphow Siphow H.
I am proud to recommend Mrs Kathy Lien, for a... selfless and reliable investment service, I was constantly looking for a reliable platform to invest and my friend introduced me to her platform and I realized this is the best platform to invest on because she maintains discipline in her investment, relationship and strategies to ensure the complete transparency and credibility of her investors. if you want to be financially successful invest in her platform now, Contact her Via: Email; [email protected]
WhatsApp:+1 856-895-1549
read more
Adedayo A.
Adedayo A.
I feel impressed with the wonderful work well... done, I was told every achievement begins with a decision to try, I was a victim of scam but I got convinced by the right person of which I gave in a try of $1000 investment and I got a profit of $13,200 in seven days. Thank you Mrs charlotte wayne for the kind of smile you put on my face. For those who are also interest you can contact her on [email protected]
Whatsapp: +39 351-093-7250
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Nicholas P.
Nicholas P.
When USAA screwed me over...with zero notice,... while I was deployed overseas...I reached out to Mr. Boyd and he was more than happy to help. Got me a better price than I could I hoped for, gave me great advice, and earned a lifelong customer.read more
Robert G.
Robert G.
Anna's my agent is very helpful goes out of her... way to help you in any way she canread more
Joelle C.
Joelle C.
Jennifer is broker and she is hands down... AMAZING!!! I can contact her anytime even on weekends day or night and shes always there to help me and answer my questions or my oopsies I feel like I work her to much but she never fails me or let's me down!!! Great customer service!!!read more
Spencer L.
Spencer L.
The rep Tristan that I worked with was freaking... awesome! He laid out many options for me and was very detailed in his explanations of what each plan would get me. He did not try to up-sell me, he was very honest about what he thought I might need and what I would not need in order to get me the most bang for my buck. He made my transition from PEMCO very easy and painless.read more
Scott W.
Scott W.
Quick and easy unlike other local companies.
Lindy C.
Lindy C.
Been with this company for 20 years.
Mark R.
Mark R.
Boyds Insurance has been there for me and my... family for years. They provide great service and have been there for us thru think and thin. They provide our home and auto insurance.read more
Kat Kathryn Smith S.
Kat Kathryn Smith S.
would like to thank Boyds insurance for their... honesty and stating the facts of their insurance policy's standing by their word!!!!! THANK YOU!!!!read more
Steve B.
Steve B.
I have been a customer of Boyd Insurance since... 2005. Anytime I have had a need - additional insurance, changes to insurance, new quote or a review of my current insurance I have always gotten a friendly, professional and timely response. I recommend them to anyone who asks me what I do for home and auto insurance.read more
John B.
John B.
I have received nothing but EXCELLENT service... from the Boyd Insurance brokerage. I have been a customer for over 5 years and have a home, a rental home, 2 cars and a boat insured through them. I recommend to all my friends. Thank You!read more
Joseph C.
Joseph C.
Always been professional and courteous with all... my family's needs. 10 yr + customer. Bill and his staff are exceptional.read more
Ernest M.
Ernest M.
Moving states can be a hassle. Not knowing where... to go and who to talk to when switching your whole life is scary. I was recommended to Boyd Insurance Brokerage and I have never been happier. Everyone at Boyd Insurance Brokerage is awesome. They're super helpful and courteous. They helped me insure all my vehicles and my valuables in my apartment. I would highly recommend Boyd Insurance Brokerage to anyone.read more
Sandy D.
Sandy D.
We've been with Boyd Brown for over 10 yrs. They... have our cars, home, and motorcycles! Great price and great people.read more
Dexter P.
Dexter P.
Bill is leader among his piers and one of the... most knowledgeable insurance brokers I know. He helps his clients understand their insurance needs and works with them to develop comprehensive plan to meet those needs.read more
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Quotes from 150+ Carriers

The state of Washington does allow alternate ways to get insurance other than having a standard motorcycle insurance policy. One of the ways is by getting a surety bond in the amount of $60,000 from a surety bond company that is licensed to operate and sell bonds in the state of Washington.

Another alternative is to self-insure. This option is available if you own 26 or more vehicles. To see if you qualify for this option, you must call the Department of Licensing.

It’s important to note that the minimum coverage laws are the least amount of insurance that you must have in order to operate your motorcycle legally. It may not cover all the expenses if you are involved in an accident.

Vehicles that Are Exempt from the Insurance Law

While motorcycles are no longer exempt from the WA vehicle insurance laws, there are still vehicles that do not need to be insured, including:

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We work closely with only top rate carriers.

Types of Motorcycle Insurance in Spokane, Washington

There are several types of motorcycle insurance coverages available, including bodily injury and property damage liability, collision, medical payments, personal injury and comprehensive.

  • Bodily Injury – Pays for the other driver’s injuries or death if you are found to be the at-fault driver for the accident. This type of insurance coverage is required.
  • Property Damage – pays for the other person’s property damage, which could include a vehicle, residence, storefront or other structure owned by someone else. This coverage is required.
  • Medical Payments – If you or a passenger is injured in an accident while riding your motorcycle, this coverage helps pay for any resulting medical expenses.
  • Personal Injury – If you are hurt in a motorcycle accident, this insurance coverage helps pay for your injuries, death and lost income by reimbursing you for your expenses.
  • Collision – Pays to repair the damage to your motorcycle or replace it if you’re in an accident that is your fault.
  • Comprehensive – This insurance coverage helps pay for damage to your bike that was not caused by an accident. Some examples of damage that this coverage would pay for include wind and storm damage, flooding, theft and vandalism.
  • Underinsured – If you get into an accident with another driver, who is underinsured, this coverage helps pay for the remainder of the expenses.
  • Uninsured – If you get into an accident with a driver who does not have insurance, this helps pay for your accident-related expenses.

Local & Family Owned

We are a medium-sized insurance brokerage that was established in 1996. As Independent Agents, we represent you, the CLIENT. Although we write all types of insurance, we specialize in auto and home insurance in the Northwest.

• Integrity • Excellent Service • Quality

Other Types of Insurance That’s Available for Your Motorcycle

In some cases, the standard insurance polices may not be enough. For that reason, we offer a few coverages that you can add on to your policy.

  • Towing – Pays for towing your motorcycle if you get into an accident or your motorcycle breaks down while you are riding it.
  • Rental Reimbursement – If your bike is stolen or at the repair shop for accident-related damage repair, this coverage helps pay for a rental vehicle.
  • Transport Trailer Damage Coverage – If your trailer and motorcycle are damaged while in transit or as the result of a covered event, this insurance helps pay for any repairs or the replacement of your trailer and motorcycle.
  • Equipment Coverage – If your motorcycle has custom parts or upgrades, this coverage helps pay for the replacement of those parts if your motorcycle is damaged in an accident.
  • Gap Insurance – Gap insurance is a good idea if you lease your motorcycle or have a large loan for it. This coverage pays the difference between the market value of your motorcycle and the remainder of the money owed on your lease or loan if your motorcycle is totaled.

A few questions away from saving up to 40% on your insurance.

Motorcycle Insurance in Spokane with Boyd Insurance Brokerage

At Boyd Insurance Brokerage, we can help you get affordable insurance for your new or used motorcycle that meets or exceeds the state’s minimum insurance coverage requirements. We also offer other types of personal insurance, including car, boat, homeowners and life insurance.

To learn more about motorcycle insurance and to get a quote, call us at (509) 340-2693.

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