Motorcycle Insurance in Bend, OR

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Get instant, reliable motorcycle coverage with Branch Insurance, our trusted partner for auto and home protection. As a modern, tech-enabled provider, Branch makes it fast and easy to shop for and purchase motorcycle insurance online — all while keeping rates competitive and claims hassle-free.

At Bend Health Insurance, we’ve partnered with Branch to bring riders a smarter, more streamlined way to protect their bikes — right from your phone, in just minutes.

We selected Branch Insurance because they’re reimagining how people buy and benefit from insurance, and they align with our client-first mission here at Bend Health Insurance. When you choose Branch, you’re getting:

• A+ Financial Strength
  Branch is backed by an A+ financial rating, which means your claims are protected by a financially strong carrier you can trust.
• Transparent Pricing & Instant Quotes
  No bait-and-switch tactics. You’ll see real prices right away, with customers saving an average of $548 per year.*
• The Easy Branch App
  File claims, access proof of insurance, and view your policy — all from your phone, 24/7. All on this little app. 
• Feel-Good Coverage
  Through its SafetyNest nonprofit, Branch helps combat financial inequality by reducing uninsured driver rates to nearly 0%.
• Community-Based Discounts
  Earn savings of up to 5% on your premium when other members vouch for you.**
   

Branch is more than a tech company — they’re restoring insurance to its original intent: a force for communal good. That’s why they’re our top choice for auto and home insurance in Central Oregon.

In Oregon, motorcycle insurance isn’t just a recommendation — it’s required by law. Here’s what every rider must carry at a minimum:

 Mandatory Motorcycle Coverage 

• Bodily Injury Liability: $25,000 per person / $50,000 per accident. Covers injuries you cause to others in a crash.
  
• Property Damage Liability: $20,000 per accident. Covers damage you cause to someone else’s property.
  
• Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident. Protects you if the at-fault driver doesn’t have enough insurance to cover your medical costs.
  

Optional Coverages

While the minimum keeps you legal, optional coverages provide added peace of mind:

• Collision: Pays for damage to your motorcycle in a crash.
• Comprehensive: Covers theft, fire, vandalism, weather, and wildlife damage.
• Medical Payments: Helps cover medical expenses for you and passengers.
• Accessory Coverage: Protects custom upgrades, chrome, or added equipment.
• Total Loss Coverage: May reimburse the full value of a newer bike if it’s totaled.
• Carried Contents: Covers personal items damaged in a covered loss.
• Roadside Assistance: Provides towing and emergency help if you break down.
• Enhanced Injury Protection: Can pay weekly benefits if you can’t work due to crash injuries.
• Physical Damage Plus: Expands protection beyond standard collision and comprehensive.
• Transport Trailer Coverage: Covers damage to your trailer.
• Trip Interruption: Reimburses costs like lodging or transportation if a covered loss disrupts your trip far from home.
  

At Bend Health Insurance, we’ll help you balance Oregon’s legal requirements with the coverage options that fit your lifestyle, budget, and the way you ride.

Our auto insurance services through Branch are a great fit for:

• Drivers new to Oregon or moving to Bend
• Families looking to bundle health, home, and auto for simplicity
• Retirees and empty nesters who want no-fuss coverage with local support
• Remote workers and professionals who want modern digital tools
• Anyone looking for fast, affordable, and reliable auto insurance in Central Oregon

Whether you're insuring your daily driver, protecting a teen’s first car, or switching from an outdated policy, we’re here to help.

✅ Get a quote instantly through our partner Branch
📞 Prefer to talk it through? Call us at (541) 668-5687
📍 Located in Bend? Ask about bundling options with health or life insurance

Protect your vehicle the smart way. Let’s get you covered — fast, fair, and easy.