Insurance for Minibikes & Pit Bikes — Coverage Your Other Policies Don't Give You
Families with young riders and adult pit-bike hobbyists trust us for coverage homeowners and auto policies usually exclude — rider liability, physical damage, medical payments, track-day, trail, and more, nationwide.
Eight Coverage Types Built for This Sport
From the rider to the bike to the trailer that hauls it — coverage built for how minibike and pit bike families and riders actually use their bikes.
Why Your Other Policies Probably Don't Cover This
Minibikes and pit bikes fall into a coverage gap between three types of policies most families and riders already carry — and none of them are built to cover this specific kind of vehicle and use.
Most riders don't find this out until it matters — after an accident, a stolen bike, or a track operator asking for proof of coverage they don't have. Understanding the gap before you need coverage is the whole point of this page.
Read the full exclusion breakdownHomeowners Policies
Most homeowners policies exclude or severely limit coverage for motorized, off-road, unlicensed vehicles used away from your property — a minibike or pit bike typically falls outside standard coverage.
Auto Policies
Auto insurance is built around licensed, street-legal vehicles. A pit bike that never touches a public road generally has no path onto a standard auto policy.
Standard Motorcycle Policies
Even a dedicated motorcycle policy commonly excludes sanctioned track and competition events — exactly the use case many pit-bike riders and families care about most.
From First Bike to Full-Size Pit Bike
Rider age and bike CC class both factor into how coverage should be structured — here's the general progression.
| CC Class |
|---|
| 49ccYouth |
| 50ccYouth |
| 70ccYouth |
| 90–110ccYouth |
| 110–125ccYouth/Adult |
| 125cc+ (adult pit bike)Adult |
General industry age/CC guidance — always confirm your rider's bike class and experience level match state and track requirements.
Not sure which class your rider's bike falls into? Read our parent's guide or request a quick quote.
Track, Trail, or Backyard — Coverage Follows Use
Where and how a bike is ridden changes the risk profile — and what coverage actually makes sense.
Private Property
Backyard loops and private land riding — often the entry point before a rider moves to a track or public trail.
OHV Trail / Public Land
Designated off-road parks, BLM and forest-service land — a different exposure than private property, with its own permit and registration considerations.
Sanctioned Track / Event
Organized track days, races, and competitions — the use case standard motorcycle policies most commonly exclude outright.
Rental / Club Operation
Track and rental operators need organizational liability coverage on top of individual rider policies.
Many riders move through more than one of these contexts as they progress — a first bike ridden in the backyard, then a public OHV trail once a rider is more experienced, then a sanctioned track day for riders who want to compete. Your coverage should follow that progression rather than stay locked to whatever you picked when you first bought the bike — a quick call or a new quote is usually all it takes to update coverage as your rider's use changes.
Every Build, Every Size, Every Engine
From a first 50cc backyard bike to a turbocharged custom build, we quote coverage for the full range of mini bikes riders actually own.
Custom Mini Bikes
Custom paint, chrome, and aftermarket parts — builds we quote just as readily as stock bikes.
Small / Mini Mini Bikes
50cc and other entry-size youth bikes — the first-bike class families most often insure with us.
Turbo Mini Bikes
Turbocharged builds push more risk and more value into the bike — coverage should reflect that.
Diesel Mini Bikes
Less common, still covered — diesel-powered mini bikes fit the same rider and physical-damage coverage.
Families, Riders, Clubs & Track Operators Nationwide
Nationwide, No-Obligation Quotes
We quote riders in all 50 states — fast, straightforward, and matched to your rider's age, bike class, and how you actually ride.
Answers Riders & Parents Ask Most
Exclusions, cost, and coverage basics — before you request a quote.
See all 26 FAQsGet a Free Minibike & Pit Bike Insurance Quote
Fast online quotes. No obligation. Coverage built for track, trail, and private-property riders nationwide.