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Comprehensive Local Motorcycle Insurance Guide

Troy Motorcycle Insurance

Motorcycle Licenses in Troy

^ Class M or MJ license is required. [Read More]

Affordable Motorcycle Insurance in Troy, NY

^ Click here to compare Troy Motorcycle Insurance options now & find a motorcycle insurance plan.

Motorcycle Laws in Troy

^ No person may operate a motorcycle without a helmet. [Read More]

Motorcycle Insurance Providers in Troy, NY

Troy, NY Motorcycle Insurance

Troy, NY Motorcycle Insurance

Motorcycle Insurance Coverage Requirements in Troy

  • Minimum Liability Limits in Troy, NY: 25/50/10 [2]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: In addition, policyholders must have $50,000/$100,000 for wrongful death coverage.

  • Insurer Verification of Insurance in Troy [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Troy Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Troy

Mandatory motorcycle insurance coverage for riders in the state of Troy, NY.

  • Motorcycle Insurance Requirements in Troy [2]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Personal injury protection coverage

Motorcycle Helmet Laws in Troy

    • Motorcycle helmets required for all riders. [3]

Motorcycle Insurance Laws & Regulations in Troy, NY

Motorcycle License Regulations in Troy, NY [3]

Detailed information about Troy laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Laws in Troy
  • Motorcycle License Laws in Troy
    • Class M or MJ license is required.
    • Class MJ: The holder shall be at least 16 years of age and may operate any motorcycle. The holder may not drive in the city of New York. Such license will automatically become a class M license when the holder turns 18.
    • Class M: The holder may operate a motorcycle, or a motorcycle towing a trailer. The holder shall be at least 18 years of age, or 17 years of age if they have successfully completed a driver's education course.
    • A 4-hour motorcycle training class required.

Motorcycle Equipment Laws in Troy, NY [3]

Various regulations and laws in Troy regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in Troy
    • No person may operate a motorcycle without a helmet.
    • No person may operate a motorcycle goggles, or a face shield, and a rearview mirror so adjusted that the driver has a clear view of the road and condition of traffic behind such motorcycle.
    • Passenger footrest required if carrying a passenger.
    • No motorcycle shall be operated with handlebars or grips more than the height of the operator's shoulders.
    • All motorcycles must have: a device for signaling, at least 1 red reflector attached to the rear, 1 red or amber stop lamp, and shall.

Rider & Driver Facts in Troy, NY

Rider & Driver Facts in Troy, NY

Troy Accident Reporting Regulations

  • Accident Reporting in Troy [3]
    • Crashes must be reported in cases of death, injury, or if property damage exceeds $1,000.
    • The deadline to file a report is 10 days.

Troy Highway Facts

  • Speed Limits in Troy [2]
    • Rural interstates: 65 mph
    • Urban interstates: 65 mph
    • Other roads: 55 mph
  • Consumption of Motor Fuel in NY [4]
    • New York ranked 4th in the U.S. in 2011 in total motor fuel consumption.

Troy Motorcycle Registrations

  • Registered Riders in NY [5]
    • In 2012, New York totaled 345,412 motorcycles registrations.
    • This number ranks 6th in the United States by state (including Washington, D.C.).
    • Note: NY ranked 5th in the nation in total auto registrations (all vehicle types) in 2011.

Additional information about New York

About Troy

The city of Troy (New York) has an approximate population of 50,129 and is located in Rensselaer County. [6]

NY Motorcycle Insurance

Troy, NY Motorcycle Insurance

To learn more about about Motorcycle Insurance in Troy, or for additional resources related to Troy Motorcycle Insurance, visit the New York Department of Insurance.

Did you know?

Many insurance companies offer discounts on insurance for graduates of motorcycle training courses.

Additional Cities in NY


1. ^ Property Casualty Insurers Association of America (PCIAA)

2. ^ Insurance Institute for Highway Safety (IIHS)

3. ^ AAA Digest of Motor Laws and/or New York DOT

4. ^ U.S. Department of Transportation

5. ^ Federal Highway Administration

6. ^ United States Census Bureau (2010)