West Virginia Deer Season Is Year-Round — Comprehensive Isn't Optional
One of the most common claims we see from motorcycle riders in this part of the state involves deer. West Virginia consistently ranks among the highest states in the country for deer-vehicle collisions, and on a motorcycle, a deer strike is a serious event. Comprehensive coverage is what pays for that — not collision, not liability. If you're riding mountain roads in Raleigh or Greenbrier County and you don't carry comprehensive, you're absorbing that risk yourself. For most riders, that's not a trade worth making.
Ride with the Right Coverage Behind You
West Virginia is some of the best motorcycle country in the country. Route 60, the New River Gorge corridor, and the mountain stretches through Greenbrier County draw riders from across the region — and plenty of locals who know these roads by heart. We write motorcycle insurance for riders across West Virginia, from Beckley and Daniels to Lewisburg and beyond. Whether you're on a Harley, a sport bike, or a cruiser you've had for twenty years, we'll find you a policy that fits the bike and the budget.
West Virginia law requires liability coverage on any registered motorcycle. That covers injury or property damage you cause to someone else — it does not cover your bike, your gear, or your medical bills. Most riders need more than the minimum, and most riders know it.
A full motorcycle insurance policy in West Virginia can include:
- Liability — required by law; covers damage or injury you cause to others
- Collision — repairs or replaces your bike after an accident, regardless of fault
- Comprehensive — covers theft, fire, vandalism, and animal strikes
- Medical payments — your medical costs after a covered accident, regardless of fault
- Uninsured/underinsured motorist — protection when the other driver doesn't have enough coverage
- Accessory and custom equipment coverage — helmets, saddlebags, custom parts, and aftermarket additions
- Roadside assistance — towing and on-road help when you need it
We'll walk you through what each piece covers and help you decide what makes sense for how and where you ride.
What West Virginia Requires — and What You Actually Need
Your Accessories and Custom Parts Are Covered Too
Standard motorcycle policies often cover the stock bike — and nothing else. If you've added a custom seat, upgraded your exhaust, installed a windshield, or invested in quality saddlebags, those additions may not be included unless you specifically add accessory coverage. The same goes for your helmet and riding gear. We write policies that account for the whole bike, not just the frame it came with. If you've put money into your motorcycle, your coverage should reflect that.
Rick Allen Insurance Agency is an independent insurance agency serving Southern West Virginia from two walk-in offices in
Beaver, WV and
Rainelle, WV. We provide
personal insurance — including auto, home, condo, renters, motorcycle, ATV/UTV, and life coverage — as well as
business insurance and
industry-specific insurance programs for contractors, farms, landlords, restaurants, and trucking operations across
Beckley,
Daniels,
Lewisburg,
Rupert, and the surrounding Raleigh County and Greenbrier County communities. Our
life insurance
options include term life and whole life coverage through multiple top national carriers including Nationwide, Progressive, and Foremost. Call our Beaver office at 304-252-1660
or our Rainelle office at 304-438-6349, or
request a free quote online. Walk-ins welcome Monday through Friday — no appointment needed.
Frequently Asked Questions
Is motorcycle insurance required in West Virginia?
Yes. West Virginia law requires all registered motorcycles to carry liability insurance at minimum. The state minimums cover damage or injury you cause to others — they do not cover your bike or your own medical costs. Most riders carry additional coverage beyond the legal minimum.Yes. West Virginia law requires all registered motorcycles to carry liability insurance at minimum. The state minimums cover damage or injury you cause to others — they do not cover your bike or your own medical costs. Most riders carry additional coverage beyond the legal minimum.How much is motorcycle insurance in West Virginia?
The statewide average runs around $583 per year, but individual rates vary based on the type of bike, your riding record, your age, the coverage levels you choose, and which carrier writes the policy. The best way to know what you'll pay is to get a quote — we'll compare options across multiple carriers to find the best fit.The statewide average runs around $583 per year, but individual rates vary based on the type of bike, your riding record, your age, the coverage levels you choose, and which carrier writes the policy. The best way to know what you'll pay is to get a quote — we'll compare options across multiple carriers to find the best fit.Does motorcycle insurance cover my helmet and gear?
Standard policies typically do not include riding gear unless you add accessory or custom equipment coverage. If your helmet, jacket, or other gear represents a real financial investment, ask about adding that protection when we build your policy.Standard policies typically do not include riding gear unless you add accessory or custom equipment coverage. If your helmet, jacket, or other gear represents a real financial investment, ask about adding that protection when we build your policy.Am I covered if a deer hits my motorcycle?
Yes — if you carry comprehensive coverage. Deer strikes fall under comprehensive, not collision. Given how common deer-vehicle incidents are on West Virginia roads, comprehensive coverage is something we recommend to most riders in this region.Yes — if you carry comprehensive coverage. Deer strikes fall under comprehensive, not collision. Given how common deer-vehicle incidents are on West Virginia roads, comprehensive coverage is something we recommend to most riders in this region.Can I insure a Harley-Davidson or a heavily customized bike?
Yes. We write policies for Harley-Davidson motorcycles, custom builds, and bikes with significant aftermarket modifications. For customized bikes, it's important to make sure your policy accounts for the full value of the machine — including any custom parts and equipment you've added. We'll make sure that's reflected in your coverage.Yes. We write policies for Harley-Davidson motorcycles, custom builds, and bikes with significant aftermarket modifications. For customized bikes, it's important to make sure your policy accounts for the full value of the machine — including any custom parts and equipment you've added. We'll make sure that's reflected in your coverage.
Talk to a Local Agent About Your Motorcycle Coverage
Rick Allen Insurance Agency has been working with riders and families across West Virginia since 1995. When you call our office, you reach a person — not a phone tree. We're in Beaver and Rainelle, Monday through Friday, and walk-ins are welcome. If you'd rather start online, we can get your quote process moving from there and follow up directly.
Beaver office: 304-252-1660 | Rainelle office: 304-438-6349