From Ozark mountain rides to Kansas City highways, St. Louis routes to Kirksville country roads — Brawner Insurance helps Missouri riders compare 50+ carriers to find the right motorcycle coverage at the right price.
Missouri requires minimum liability coverage of 25/50/25 for all motorcycle riders. The state's mix of mountain twisties, rural highways, and busy urban streets creates unique riding risks — and Missouri's beautiful summer riding season means more bikes on the road than ever.
As an independent agency, Brawner compares motorcycle policies from 50+ carriers to find Missouri riders the right combination of coverage and price — including specialty bike insurers that big carriers don't offer.

Whether you ride a cruiser, sport bike, touring bike, or dual-sport in Missouri, we shop multiple carriers to build the right policy for your bike and riding style.
Get a Motorcycle Quote →Brawner Insurance shops 50+ carriers so Missouri riders get the right motorcycle coverage at the right price.
Get a Free Quote →660-665-1687 · 660-754-1000
A complete motorcycle policy has multiple layers. Here's what we help Missouri riders put in place.

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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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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Protects against theft, vandalism, fire, weather damage, and animal strikes — non-collision events that damage your bike.
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Covers your medical bills and bike repairs if you're hit by a driver with no insurance or insufficient coverage.
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Covers helmets, jackets, saddlebags, custom parts, and aftermarket upgrades that standard policies often exclude.
Learn More →We tailor coverage to your bike, riding style, and budget — sport bikes to touring cruisers.
Talk to an Agent →Motorcycle insurance comes in two main structures. Here is how they differ.
Best for: riders with older paid-off bikes who want minimum legal coverage.
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 →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
Riding situations change with seasons and life. Here are the key moments to review.
Adding a new motorcycle means new coverage needs. We help you meet lender requirements and cover the bike properly from day one.
Aftermarket parts, custom paint, and riding gear may need their own coverage endorsement. Update your policy whenever you add value.
How and where you store your bike affects premium. Moving to a garage versus outdoor storage can change your rate.
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.
We learn about your needs, current coverage, and priorities so we can recommend the right motorcycle policy.
We shop your motorcycle across top carriers to find competitive pricing and the right fit.
We walk through coverages, limits, and exclusions in plain language — no jargon.
We handle the binding, paperwork, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →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 →We start by understanding your situation, needs, and budget so we can recommend the right motorcycle policy for you.
We compare motorcycle policies from multiple top carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why riders across the Midwest trust Brawner Insurance for motorcycle coverage.
"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."
"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."
"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."
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.
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.
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.
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.
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.
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.
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
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
Learn MoreProtect your house, belongings, and personal liability with the right policy.
Learn MoreExtra liability protection above your home and auto policy limits.
Learn MoreProtect your family financial future with term and whole life policies.
Learn MoreProtect farm buildings, equipment, and livestock with comprehensive coverage.
Learn MoreBOP, cyber liability, workers comp & commercial auto for businesses.
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