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Do Honda Groms Need Insurance? Here’s What You Need to Know

Do Honda Groms Need Insurance? Here's What You Need to Know
Written by Courage Edohamen

Do Honda Groms Need Insurance? Honda Groms are some of the most popular motorcycles on the road today, and people love riding them because they’re so easy to handle and fun to drive around. But just like any other vehicle, Honda Groms need auto insurance coverage to ride legally.

In this article, we’ll discuss how much coverage you need and how to get it. Buying a new motorcycle is an exciting time for most riders. Whether you’re shopping for a classic or something more modern, there are many features and upgrades to consider.

However, one of the first things you’ll want to look into is how much it costs and what coverage you need.

Why motorcycle insurance is so important

One of my favorite little motorcycles is Honda’s Grom. It may not be a big bike, but you might wonder whether it needs insurance.

If you’re going to ride your Grom regularly and are on a tight budget, other things need your attention before insurance. Don’t get me wrong—you definitely should insure your Grom, but if you don’t have money for it right now, here are some suggestions for proceeding.

To start with, keep in mind that motorcyclists are 30 times more likely than drivers to die in a crash and four times more likely to be injured.

So if you’re riding without insurance or just getting started as a rider, take steps like wearing full protective gear at all times and taking basic safety courses to avoid injury in an accident (and medical bills afterward).

And remember: The National Highway Traffic Safety Administration estimates that about half of all crashes happen within five miles of home! So stay safe out there. For example, always wear protective gear like helmets, gloves and jackets even when commuting short distances since accidents can happen anywhere.

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How fast does a Honda Grom go?

Do Honda Groms Need Insurance Here's What You Need to Know

The Grom can be thought of like a stripped-down minibike for adults. It has high-performance elements that make an entertaining ride for kids.

The stock frame is ready for modifications and customizations, but you’ll have a minibike with disc brakes and a 660 cc engine right out of the box.

With its small size, Honda claims it is classified as a motorcycle, meaning you can take it on public roads.

This makes insurance coverage easy – in most cases, you won’t need more than your regular auto insurance policy.

Can Honda Grom go offroad?

The Grom is a two-wheeled version of a dirt bike—it’s made for offroading, but it doesn’t have all of its gear.

The first thing you need to know about insurance is that it depends on where you ride your bike and what roads you take it on. If you’re interested in hitting jumps or racing down trails, liability insurance might not be enough.

Instead, consider an enduro or offroad policy covering your bike if something happens while riding off-road.

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Honda Grom insurance

Do Honda Groms need insurance? For most drivers, it’s a tough question with a fairly straightforward answer. Unless you don’t plan on ever being able to afford repairs, you should get motorcycle insurance.

No bike will be cheap enough that it doesn’t matter if it gets stolen or wrecked. And for those of us who tend to be bad at remembering things, insuring your bike can help keep you from forgetting about it between service appointments.

Does your state require motorcycle insurance? If so, you’ll want a policy that meets the minimum requirements mandated by local law. However, in many states, you won’t need anything more than liability coverage.

Liability insurance will cover any damage done to other people and their property when you ride your bike (up to a certain amount). It also covers medical bills for anyone injured while riding as long as they aren’t at fault.

There are two types of coverage: liability and comprehensive/collision. Liability insurance protects others against damage by your bike when it collides with another vehicle or object.

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Honda Grom Insurance Rates

Insurance rates are based on various factors, including but not limited to gender, age, marital status, driving record and type of vehicle you’re insuring.

For example, in most states, males pay more for auto insurance than females. Your insurance rates will also increase if you are under 25 or over 55; have points on your driving record; live in an urban vs. rural location; or commute long distances.

When comparing insurance quotes from different providers, all insurance companies also charge higher rates for luxury vehicles and scooters/motorcycles than for family sedans and SUVs, including all possible discounts and incentives that could apply to your situation.

Also, note that certain discounts may only be available for new customers (e.g., multi-vehicle discounts). If you’re interested in buying a Honda Grom, we recommend getting multiple quotes before deciding.

What Are The Characteristics Of The Honda Grom?

The first thing you should know about insurance for Honda grom is that it will be more expensive than for a motorcycle. Insurance for a motorcycle will cost you less, but it also won’t be customized specifically for your bike.

You have three different factors: coverage level, deductible, and premiums with insurance. A low premium means that you pay more in deductibles and vice versa.

For example, if a company offers $1 million in coverage but has a $5k deductible; their premium would need to be $15k per year, but their deductibles would also need to be much higher so they can make money on their investment in paying out benefits because they assume they will pay out much more than they get paid in premiums.

Do You Need a Motorcycle License for a Honda Grom?

No. Many states are moped friendly, meaning no license or registration is needed.

However, you’ll need insurance if something happens while riding your moped around town or on a highway.

You can get liability insurance just like any other vehicle if it meets your state’s definition of a moped and doesn’t require a title or registration to ride on public roads.

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Do You Need an M1 License to Ride Honda Grom?

An M1 motorcycle license is required by anyone who wants to ride a motorized bike with less than 50cc of engine displacement.

Although each state varies slightly in its requirements, riders typically must be at least 16 years old, have completed an approved rider safety course and have had their M1 for at least six months before taking a written and road test.

Unfortunately, until you’re 18 or older, it may be illegal for you even to hold an M1 license.

If your state does allow younger riders on small bikes, check out our guide to finding your first bike—with or without insurance!

FAQs on Do Honda Groms Need Insurance?

Is it safe to drive a motorcycle without a license at the age of 15

Yes, it is safe to drive a motorcycle without a license at 15 years old. Once you reach 15 years of age, you can legally drive and ride any motorcycle as long as an adult supervises you with a valid motorcycle operator’s license.

The adult with you must also be riding or operating their motorcycle and meet specific requirements for supervising a beginner driver. If your parents have concerns about letting you ride alone on public roads, other options are available that allow for practice time on private property.

A private driving school will provide training and insurance coverage for students during training sessions on private property; check with your local DMV for more information about driver training programs.

How much to cost to train a honda grom

Honda Groms are fun and easy, but they’re also tiny. Honda describes them as smaller than small. That makes them very vulnerable to damage.
Whether you have a Grom or are just thinking about buying one, it’s important to know whether or not your Honda needs insurance.

Are Honda Groms manual?

Are you looking for a two-wheeled mode of transportation that’s fun, easy, and relatively inexpensive? Then what you need is a Honda Grom. This small motorcycle is a miniature version of a full-sized street bike that offers as much fun and performance.

About the author

Courage Edohamen

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