Coverage for Every Ride
Motorcycle Insurance in Missouri
Protection for the Road, the Bike, and the Rider
Missouri Motorcycle Insurance With Local Know-How
From weekend rides through the Ozarks to daily commutes around Springfield, your motorcycle deserves coverage that goes beyond the basics. Fortner Insurance helps riders across Missouri find motorcycle insurance that fits their ride, budget, and lifestyle. We offer flexible policies for cruisers, touring bikes, sport bikes, and trikes, with options to bundle and save. Whether you ride for fun or freedom, we’ll help you stay protected out on the road.
What We Offer
Motorcycle Insurance That Covers More Than Just the Bike
Liability Coverage
Required by Missouri law; covers injuries or damage you cause to others.
Collision Coverage
Helps pay for damage to your motorcycle after an accident, regardless of fault.
Comprehensive Coverage
Protects against theft, vandalism, fire, and weather-related damage.
Uninsured/Underinsured Motorist
Helps cover costs if you're hit by someone with too little or no insurance.
Medical Payments Coverage
Assists with medical expenses after an accident, no matter who’s at fault.
Gear & Accessory Coverage
Protects your helmet, riding gear, and custom parts or upgrades.
Roadside Assistance
Optional add-on for towing, flat tires, or emergency fuel delivery.
Multi-Policy Discounts
Bundle with
auto insurance,
home insurance, or
umbrella coverage to save.
Why Riders Choose Fortner
Local Agents. Straightforward Coverage. Support You Can Count On.
We Know Missouri Roads
From backroads near Branson to the scenic routes around Table Rock Lake, we help riders get coverage that fits where and how they ride.
We Work With Top Carriers
As an independent agency, we compare motorcycle policies from trusted insurers so you don’t have to.
We’re Riders, Too
We understand what makes your ride unique, and we take time to explain what your coverage actually includes.
Motorcycle Insurance FAQs
What Missouri Riders Ask Most
Is motorcycle insurance required in Missouri?
Yes. Missouri law requires liability coverage for all motorcycles. We recommend additional protection for your bike and medical expenses.
What types of bikes can I insure?
We insure cruisers, sport bikes, trikes, mopeds, scooters, and more. Ask us if you’re unsure about your vehicle type.
Can I insure my custom parts or gear?
Yes. Accessory coverage helps protect upgrades, helmets, jackets, and more—especially if they’re high value.
How can I lower my motorcycle insurance premium?
Take a safety course, keep a clean driving record, or bundle with other policies. We’ll help you find discounts.
Do I need motorcycle insurance year-round?
Yes—even if you store your bike during winter, coverage protects against theft, vandalism, and fire while it’s parked.