Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Oklahoma holds the longest drivable stretch of Route 66 and one end of the Talimena Scenic Byway, which is a good argument for owning a bike and a better one for insuring it correctly. Harvey Insurance writes the coverage riders here actually need.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Two lines matter more on an Oklahoma motorcycle policy than anywhere else, and both get trimmed to save money. The first is uninsured and underinsured motorist coverage. A meaningful share of Oklahoma drivers carry no insurance, and in a car-versus-motorcycle collision the rider is the one who gets hurt — leaving your own medical bills to be paid by a driver who has nothing. UM/UIM is the coverage that answers, and it is inexpensive relative to what it does. The second is accessory coverage. A base policy insures a stock bike, and Oklahoma riders do not own stock bikes. Exhaust, bags, seats, windshields, chrome, and audio can add thousands that a standard settlement will not include unless they are scheduled. Add layup provisions for the winter months and safety-apparel coverage for helmets and jackets, and the policy starts reflecting what riding actually costs.
Get a Free Motorcycle QuoteLiability, physical damage, and the pieces built specifically for bikes.
Three factors that shape motorcycle claims in the state.
Historic highway miles and the Talimena Scenic Byway draw riders from across the region. Long touring days on two-lane roads carry their own exposure profile.
The OKC and Tulsa metros and the turnpike system mix bikes with high-speed and inattentive traffic, where left-turn and lane-change collisions concentrate.
Oklahoma crosswinds, fast-building storms, and hail affect both riding conditions and bikes parked outside.
Three things we will not let you skip without saying so.
Given the uninsured rate, this is the coverage that most often decides whether an injured rider is made whole. We recommend real limits, not the minimum.
We ask what you have added and list it, so a total loss reflects the bike you built rather than the one in the catalog.
Suspending coverage in winter leaves theft and hail uncovered. A layup endorsement is the cheaper and safer way to handle the off-season.
FAQ
Motorcycle Insurance is not the only thing we write in Oklahoma. Most households end up combining a few of these, which is usually where the savings turn up.
Tell us what you ride and what you have added to it. We will quote it with UM/UIM done right.
Get a Free Motorcycle QuoteCoverage Areas
We write motorcycle coverage across Oklahoma — the Route 66 corridor from Tulsa through Oklahoma City to the Texas line, the Talimena Scenic Byway and the Ouachita country, the Wichita Mountains in the southwest, Green Country and the northeastern lakes, and every metro and small town in between.