Smart female riders prioritize both adventure and protection. The key? Getting personalized coverage that fits your lifestyle, whether you're weekend-warrioring on your bike, full-timing in your RV, or renting out your rig. From liability basics to comprehensive plans, bundling discounts to roadside assistance, the right insurance means riding with confidence instead of crossing your fingers. Bottom line: spend five minutes getting the right coverage so you can spend years enjoying worry-free adventures.
Insurance for women riders works the same as for men, but smart female riders often choose better coverage and pay less for it.
Women motorcycle riders are 60% more likely to take safety courses and 14% more likely to wear a helmet than men, which translates to fewer claims and often better rates. Whether you're on a cruiser, ATV, or living full-time in your RV, your insurance needs depend more on how you ride than your gender.
Here's what actually matters: your riding experience, safety record, and what you're protecting. A weekend warrior needs different coverage than someone whose RV is home base six months a year. The good news? Women spend more on average than men on motorcycle accessories and modifications, so insurers recognize that female riders invest in quality—and that usually means you're worth insuring.
Liability coverage is required in most places and covers damage you cause to others. Collision fixes your ride after an accident. Comprehensive handles theft, vandalism, weather damage—basically everything that isn't a crash.
You need liability insurance by law, plus collision and comprehensive if you're financing—but smart riders get more.
Start with your state's minimum liability requirements. In Texas, that's $30,000 for injury to one person, $60,000 for multiple people, and $25,000 for property damage. But minimums are just that—minimum protection.
Here's what experienced riders add:
Women riders often choose cruisers and touring bikes over high-performance sport bikes, which typically means lower insurance costs since these bikes are generally safer and less theft-prone. According to the National Highway Traffic Safety Administration, women made up only 4% of motorcycle drivers killed in 2023 crashes, despite representing 19% of all riders.
Pro tip: Many insurers offer discounts for safety course completion—and since women are more likely to take these courses, you're probably already earning this discount. If you're new to riding, check out our guide to the best beginner motorcycles for 2025 to start your journey safely.
ATV insurance costs vary widely based on your vehicle's value, where you ride, and coverage level, but can be quite affordable for basic coverage.
Major insurers offer competitive rates for ATV riders, with costs varying based on several factors. Here's what drives your costs:
Vehicle factors: A high-end side-by-side costs more to insure than a basic four-wheeler. Usage matters: Year-round riders pay more than seasonal users. Location counts: Some states require insurance for public trail riding, while others only require it for road use.
Not all states mandate insurance on ATVs, but places where you ride might—like RV trails and public parks. Even if it's not required, here's why it makes sense:
Money-saving tip: Bundle your ATV policy with auto, renters, RV, or boat insurance for multi-policy discounts.
Nothing's different because you're a woman—but female RVers often make smarter insurance choices and get better coverage.
The real difference is how you use your rig. Digital nomads and remote workers represent a growing segment choosing RV life for location flexibility while maintaining careers, and these tech-forward professionals often need more comprehensive coverage than weekend campers.
Recreational RV insurance works like car insurance with some home insurance features. It's perfect for weekend trips and vacations.
Full-timer coverage is what you need if your RV is home six+ months per year. Full-time RV insurance includes personal liability, medical payments, and loss assessment coverage that protects you when you're parked and living in your rig.
Full-timer coverage typically costs significantly more than recreational policies due to the expanded protections required for permanent residence, but it's essential protection when your RV is your home base.
Bundle policies, take safety courses, and choose the right deductibles—but don't skip essential coverage to save a few bucks.
The biggest money-saver is bundling. Many insurers offer substantial discounts when you bundle multiple policies. Here are other proven ways to cut costs:
Choose higher deductibles on physical damage coverage if you can handle the out-of-pocket expense. Going from a lower to a higher deductible often provides meaningful annual savings.
Pay annually instead of monthly to avoid processing fees. Most insurers offer discounts for paying your full premium upfront.
Review coverage annually. Older vehicles might not need full replacement coverage anymore, but don't drop liability or medical payments—those protect your financial future.
Visibility, preparation, and trusting your gut—the same fundamentals that keep all riders safe, plus some considerations for solo female adventurers.
The more people in general there are on motorcycles, the safer all motorcyclists are because the greater the odds others will look twice, having become accustomed to sharing the road with them. As women riders continue growing from 19% toward potentially 25% of all riders, we're making the roads safer for everyone.
Helmet and protective gear are non-negotiable. Women are more likely to wear helmets than men, which is one reason female riders have better safety records.
Take a safety course. These courses teach defensive riding techniques that can save your life.
Know your limits. Don't feel pressured to ride beyond your skill level.
For RV travel, consider parking in a way that makes it possible to have an easy and quick exit. Research campgrounds ahead of time and share your location with someone you trust, like a friend or family member, when adventuring solo.
Trust your instincts. If a situation feels off, it probably is. Whether you're at a gas station, campground, or trail entrance, prioritize your safety over being polite.
Stay connected. Carry a satellite communicator for areas without cell service, and keep RV keys in an easy-to-access location inside the RV in case you need to leave quickly.
You need liability by law, but comprehensive coverage protects your investment, especially important for women riders who typically spend more on their rigs.
Liability coverage is required in most jurisdictions and covers damage you cause to others. It won't fix your bike, RV, or ATV after an accident, but it protects your assets if you're sued.
Comprehensive coverage handles non-collision damage: theft, vandalism, fire, flood, and hitting a deer. Comprehensive covers theft, vandalism, and damage from events unrelated to a crash, such as weather-related damage or flooding.
Since women spend more on average than men on motorcycle accessories and modifications, comprehensive coverage often makes financial sense. A $15,000 touring bike with $3,000 in accessories needs protection beyond basic liability.
Choose liability-only if your vehicle's value is low enough that you could replace it without financial hardship. This typically applies to older, lower-value bikes or ATVs.
Choose comprehensive if you're financing (usually required by lenders), if replacement costs would strain your budget, or if you've invested significantly in modifications and accessories.
Smart middle ground: Higher deductibles on comprehensive can significantly lower premiums while still protecting against major losses.
Bundling multiple recreational vehicle policies can save you money annually, but only if you're not sacrificing coverage quality for convenience.
Insurance companies offer bundling discounts because customers with multiple policies tend to stay loyal longer and file fewer claims overall. Many insurers provide substantial savings when you bundle home and auto policies with recreational vehicle coverage.
Start with your current insurer. If you already have auto or homeowner's insurance, check whether they offer competitive rates on motorcycle, ATV, or RV coverage. The convenience of one agent and one bill can be worth small rate differences.
Compare total costs, not just individual policy prices. An insurer might charge more for your motorcycle coverage, but save you more on your auto policy when bundled.
Watch for coverage gaps. Some companies excel at auto insurance but offer weak RV coverage through partnerships. Many insurance brokers work with top providers to offer comprehensive options.
Sometimes mixing insurers gets you the best coverage. For example, you might get better full-timer RV coverage from one provider while keeping your auto insurance elsewhere.
Roadside assistance and emergency expense coverage are essential for any rider, but particularly valuable for women traveling solo or in remote areas.
Basic roadside assistance typically covers towing, jump-starts, flat tire changes, and lockout service. Many RV policies provide 24-hour roadside assistance, and additional roadside assistance memberships are also available.
Enhanced roadside assistance goes beyond basic towing. Look for coverage that includes:
Emergency expense coverage pays for items such as lodging and/or travel expenses if your RV is damaged or destroyed by a covered loss. This is particularly important for full-timers who don't have a traditional home to return to.
Communication devices aren't technically insurance, but satellite communicators or GPS locators can be lifesavers in remote areas where cell service fails.
The open road is calling, but smart riders answer prepared. Whether you're weekend-warrioring on your motorcycle, exploring backroads on your ATV, or making memories in your RV, the right insurance means focusing on the adventure instead of worrying about what-ifs.
Don't wait until you need it to realize your coverage isn't enough. Start your personalized quote in minutes—get the coverage you need to ride with confidence.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
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