✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Motorcycle Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Ride Free. Ride Protected.

From cruisers to sport bikes, touring to dirt — we help riders across Missouri, Iowa, Kansas, and Illinois find affordable, comprehensive motorcycle coverage from 50+ carriers.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
All Bike TypesSport, cruiser, touring, dirt
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Motorcycle Insurance Is Different

Motorcycle insurance isn't auto insurance with two wheels. Riders face unique risks — higher injury rates, gear damage, theft exposure, and seasonal use patterns. Standard auto policies don't address any of these the right way.

As an independent agency, Brawner compares motorcycle-specific carriers to find you coverage that actually matches your bike, your riding style, and your gear. We help you ride confidently — and affordably.

Motorcycle insurance protection
50+carriers we shop for the best motorcycle rate
$0cost to talk to a Brawner agent about your coverage
Same Daybinding for most motorcycle policies

Whether you ride a Harley cruiser, a Honda sport bike, a touring BMW, or a dirt bike — we find coverage that fits your riding life and your budget.

Get a Motorcycle Quote →

Ready to ride with real protection?

We'll compare carriers, build the right policy, and get you covered fast — at no cost to you.

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660-665-1687  ·  660-754-1000

Coverage Options

Motorcycle Coverage Through Brawner

A complete motorcycle policy has multiple layers. Here's what we help riders put in place.

Liability Coverage

Liability Coverage

Pays for injuries and property damage you cause to others in an at-fault accident — required in most states for legal riding.

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Collision Coverage

Collision Coverage

Pays to repair or replace your motorcycle after a crash with another vehicle or object — regardless of who's at fault.

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Comprehensive Coverage

Comprehensive Coverage

Protects against theft, vandalism, fire, weather damage, and animal strikes — non-collision events that damage your bike.

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Uninsured Motorist

Uninsured Motorist

Covers your medical bills and bike repairs if you're hit by a driver with no insurance or insufficient coverage.

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Gear and Accessories

Gear & Accessories

Covers helmets, jackets, saddlebags, custom parts, and aftermarket upgrades that standard policies often exclude.

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Every Rider Is Different

Build your policy.

We tailor coverage to your bike, riding style, and budget — sport bikes to touring cruisers.

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Your Options

Liability-Only vs. Full Coverage — Which Fits You?

Motorcycle insurance comes in two main structures. Here is how they differ.

Option 1

Liability-Only Motorcycle

  • Meets state minimum to ride legally
  • Pays for injuries and damage you cause others
  • Lowest monthly premium
  • Does not cover damage to your motorcycle
  • No theft, fire, or weather protection
  • Best for older bikes with low value

Best for: riders with older paid-off bikes who want minimum legal coverage.

Option 2

Full Coverage Motorcycle

  • Includes liability plus collision and comprehensive
  • Covers damage to your bike in a crash
  • Covers theft, vandalism, and weather damage
  • Required by most lenders on financed bikes
  • Gear and accessories can be added
  • Much better financial protection for newer bikes

Best for: riders with newer, financed, or high-value bikes.

Not sure which coverage level fits your riding? We will compare quotes from multiple motorcycle carriers.

Compare My Motorcycle Options →

Not sure which coverage is right for your ride?

We will review your bike, riding history, and storage to recommend the right motorcycle coverage.

Get a Free Motorcycle Review →

660-665-1687  ·  660-754-1000

Key Moments

When to Review Your Motorcycle Coverage

Riding situations change with seasons and life. Here are the key moments to review.

New Bike Purchase

Adding a new motorcycle means new coverage needs. We help you meet lender requirements and cover the bike properly from day one.

Adding Gear and Accessories

Aftermarket parts, custom paint, and riding gear may need their own coverage endorsement. Update your policy whenever you add value.

Changing Storage

How and where you store your bike affects premium. Moving to a garage versus outdoor storage can change your rate.

Annual Review

Motorcycle rates change yearly. A quick comparison often saves real money, especially as your bike ages.

Planning Tip: Review your policy every 12 months — carriers change rates annually and a fresh comparison often saves real money.

Our Process

How We Help You Save

1

Review Your Situation

We learn about your needs, current coverage, and priorities so we can recommend the right motorcycle policy.

2

Compare Carriers

We shop your motorcycle across top carriers to find competitive pricing and the right fit.

3

Explain Your Options

We walk through coverages, limits, and exclusions in plain language — no jargon.

4

Set Up and Support

We handle the binding, paperwork, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

Schedule a Consultation →
Getting Started

How Motorcycle Coverage Works

1

Free Consultation

We start by understanding your situation, needs, and budget so we can recommend the right motorcycle policy for you.

2

Plan Comparison

We compare motorcycle policies from multiple top carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Clients Across Missouri, Iowa, Kansas & Illinois

See why riders across the Midwest trust Brawner Insurance for motorcycle coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

View All Reviews on Google →
Common Questions

Motorcycle Insurance FAQ

What does motorcycle insurance cover?

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Motorcycle insurance typically includes liability, collision, comprehensive, uninsured motorist, and medical payments. Gear and custom parts can be added. Brawner Insurance helps you choose the right mix.

How much motorcycle insurance do I need?

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At minimum, your state's required liability limits. Most riders benefit from higher limits plus physical damage coverage. Brawner Insurance recommends coverage that actually protects your bike and assets.

Does motorcycle insurance cover gear?

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Most policies offer an endorsement for helmets, jackets, and riding gear up to a set limit. Brawner Insurance can add this coverage if it is not already included.

Is motorcycle insurance cheaper in winter?

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Some carriers offer lay-up programs that reduce premiums during months when the bike is stored. Brawner Insurance can check whether this option fits your riding season.

What happens if I have an accident?

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Call us once you are safe. Brawner Insurance helps file the claim, coordinates with the carrier, and follows repairs through to completion — you do not navigate it alone.

Can Brawner Insurance help me find the right motorcycle insurance policy?

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Yes — as an independent insurance agency, Brawner Insurance shops your motorcycle insurance coverage across multiple top carriers to find the right protection at a competitive rate. We work with clients across Missouri, Iowa, Kansas, and Illinois.

Ride with coverage you can trust.

Brawner Insurance helps riders across the Midwest find the right motorcycle insurance — liability, full coverage, and gear — with unbiased advice from independent agents.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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