Motorcycle Insurance in Pulaski County, KY — Protection for the Open Road Across Kentucky
Whether you're riding through Somerset, exploring scenic backroads in Pulaski County, or heading out for a weekend trip across Kentucky, your motorcycle deserves more than the minimum coverage.
At Stewart & Tucker Insurance, we help riders throughout Pulaski County and across Kentucky protect their bikes, their passengers, and their peace of mind — with personalized motorcycle insurance built to go the distance.
What Should Your Motorcycle Insurance Policy Cover?
Every Kentucky rider should consider these essential protections when choosing motorcycle coverage:
Liability Coverage
Required by Kentucky law — protects you financially if you cause injury or property damage to others.
Collision Coverage
Covers repairs to your motorcycle if it’s damaged in a crash — whether with another vehicle or in a solo accident.
Comprehensive Coverage
Protects your bike from non-collision damage, including fire, theft, vandalism, hail, or falling debris.
Uninsured / Underinsured Motorist Coverage
Helps cover your medical or repair costs if you're hit by a driver without sufficient insurance — a common risk in Kentucky.
Medical Payments Coverage (MedPay)
Pays medical bills for you or your passenger after an accident, regardless of fault.
Gear & Accessory Coverage
Covers helmets, riding gear, and aftermarket accessories or custom parts.
Smart Add-Ons for Kentucky Riders
Enhance your protection with optional motorcycle insurance endorsements:
Roadside Assistance
Get help if your bike breaks down anywhere in Kentucky.
Trip Interruption Coverage
Pays for meals, lodging, or transportation if your trip is unexpectedly interrupted.
OEM Parts Guarantee
Ensures repairs are made using original manufacturer parts.
Why It Matters
Why Motorcycle Insurance Matters in Kentucky
Kentucky’s roads are beautiful — but they come with unique risks. From winding rural highways and sharp mountain curves to unpredictable storms and a high number of uninsured drivers, riding safely means carrying more than the state minimum motorcycle insurance.
As your local independent agents, we tailor coverage to match how you ride and where you ride — whether you’re a weekend cruiser, touring rider, or daily commuter.
Motorcycle Insurance FAQs for Kentucky Riders
What are Kentucky’s minimum motorcycle insurance requirements?
You must carry liability coverage, but higher limits are strongly recommended for real protection.
Does homeowners insurance cover my motorcycle?
No. Your motorcycle requires its own insurance policy.
Can I insure my gear and accessories?
Yes. Helmets, jackets, saddlebags, electronics, and custom parts can all be added to your policy.
What’s the benefit of using an independent agency?
We shop multiple carriers to help you get the best price without sacrificing coverage.
Can I bundle motorcycle insurance with home or auto?
Absolutely — and bundling often unlocks discounts and simplifies your insurance.
Get Motorcycle Insurance That Moves With You
From the winding roads of Pulaski County to the open highways across Kentucky, we help you ride protected with flexible, affordable motorcycle insurance that fits your lifestyle.