Ride Protected, Ride Free

Motorcycle Insurance

Why Do You Need Motorcycle Insurance?

Because when you’re on two wheels, anything can happen in a split second. Whether you're commuting through Charlotte traffic or cruising around Lake Norman on a Saturday, the right motorcycle insurance protects your ride, your gear, and your peace of mind.


At Honeycutt Independent Insurance, we help you get coverage that fits your style, your bike, and your budget—without overcomplicating the process. We’ll walk you through your options and find a policy that covers what matters most, so you can enjoy the ride knowing you're taken care of.

Why Riders Ride With Us

Riders work with us because they want real coverage without the runaround. As an independent agency, we shop multiple carriers to find the best rate, and since we live right here in the Lake Norman area, we understand the lifestyle and the risks that come with it. Whether you ride daily, hit the road on weekends, or own something custom or classic, we’ll help you find motorcycle insurance that fits—without the pressure or the fluff.

Hit the Road with Peace of Mind

What Does Motorcycle Insurance Cover?

We’ll help build a plan that matches your lifestyle—whether you ride every day or just on the weekends. We’ll also talk through seasonal coverage and how to handle storage in the off months—because we live around here, and we know how the ride changes with the weather. Most policies include:

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Liability Coverage


Liability coverage is required by law in North Carolina and protects you if you’re found responsible for causing an accident that results in injury to others or damage to their property. We’ll help you choose a liability limit that fits your lifestyle and financial situation, ensuring you’re fully protected on and off the road.

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Collision Coverage


Collision coverage helps repair or replace your motorcycle if it’s damaged in an accident, regardless of who’s at fault. Whether you collide with another vehicle, hit a tree, or slide on gravel in a curve, collision coverage takes care of the repair costs or pays out the actual cash value (ACV) of your bike if it’s totaled.

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Comprehensive Coverage


Comprehensive coverage goes beyond accidents and protects your bike from non-collision-related risks. It covers damage caused by events like theft, vandalism, fire, severe weather, and falling objects. If you store your bike for the winter or only ride during certain months, comprehensive coverage ensures your motorcycle stays protected while it’s parked or in storage.

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Uninsured/ Underinsured Motorist


Even though North Carolina requires insurance, not every driver follows the rules—and some carry only the minimum limits, which may not be enough after a major accident. Uninsured/underinsured motorist (UM/UIM) coverage protects you when the other driver doesn’t have enough (or any) insurance to cover the damages.

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Accessory & Gear Coverage


If you’ve invested in custom upgrades, riding gear, or aftermarket parts for your bike, standard policies may not fully cover those additions. Whether you’ve tricked out your ride or invested in top-of-the-line safety gear, we’ll make sure your upgrades and accessories are fully protected so you can ride with confidence.

FAQ's

Real Answers for Real Riders

  • Do I need motorcycle insurance in North Carolina?

    Yes—North Carolina requires liability insurance for all registered motorcycles. But beyond the basics, we recommend extra protection like collision and comprehensive coverage to keep you fully covered both on and off the road.

  • What does motorcycle insurance typically cover?

    A standard policy can include:

    • Liability coverage for damage or injuries you cause
    • Collision coverage for your own bike after an accident
    • Comprehensive coverage for theft, weather, fire & vandalism
    • Uninsured/underinsured motorist protection
    • Optional gear & accessory coverage for helmets, leathers, and upgrades

    We’ll help you choose what fits your ride and your budget.

  • Is seasonal or lay-up coverage available?

    Yes. If you store your bike during the winter or don’t ride year-round, we can look at adjusting your coverage or setting up a seasonal policy to reflect that—without leaving you unprotected while it's in storage.

  • Does my motorcycle insurance cover passengers?

    That depends on the policy. Some include passenger liability coverage, while others require it as an add-on. If you regularly ride two-up, we’ll make sure your policy covers both you and your passenger properly.

  • Can I get coverage for roadside assistance or towing?

    Absolutely. Many of our carrier partners offer optional add-ons for roadside assistance, towing, fuel delivery, and even trip interruption coverage. It’s great peace of mind when you're riding longer distances or through rural areas.