Motorcycle Insurance in Hattiesburg, Mississippi

Ride Smart. Stay Covered.
Whether you ride for freedom, fun, or fuel efficiency, your motorcycle deserves protection that keeps pace with your lifestyle. At Howlett Insurance Agency, we help riders across Hattiesburg, Forrest County, Lamar County, Perry County, and surrounding areas secure reliable, personalized motorcycle insurance — with the local guidance and service you can trust.
What Does Motorcycle Insurance Cover?
Motorcycle insurance goes beyond protecting your bike — it protects you, your passengers, and your financial future in the event of an accident, theft, or other unexpected event. Standard coverages include:

Liability Coverage
Covers injuries or property damage you cause to others while riding. Required by law in Mississippi.
Collision Coverage
Pays for damage to your motorcycle if you’re involved in an accident — regardless of who’s at fault.
Comprehensive Coverage
Covers non-collision losses like theft, vandalism, fire, or storm damage.
Uninsured/Underinsured Motorist Coverage
Protects you if you’re hit by a driver who has no insurance or not enough to cover your damages.
Medical Payments (MedPay)
Helps pay medical bills for you and your passengers, regardless of fault.
Accessories & Custom Parts Coverage
Optional add-on that covers custom parts, paint, chrome, saddlebags, helmets, and gear.
Why Choose Howlett Insurance Agency?
We're riders too — or we ride with them. And we know that protecting your motorcycle means more than just checking a box.
Local Experts
We understand Mississippi roads, risks, and insurance laws.
Independent Agency
We shop multiple carriers to find the best value for your riding style and bike type.
Real Service
No apps, bots, or call centers — just licensed agents who ride alongside you in service and support.
Tailored Coverage
From cruisers to sport bikes and trikes, we match coverage to how, when, and where you ride.
Common Questions About Motorcycle Insurance
Is motorcycle insurance required in Mississippi?
Yes, riders must carry at least the minimum liability coverage. But that won’t cover your bike or medical bills — which is why most riders choose more comprehensive protection.
How much does motorcycle insurance cost?
Rates vary by bike type, rider history, age, location, and coverage limits. We help you compare options and find a policy that fits your budget.
Does it cover custom parts or gear?
Standard policies may limit coverage for aftermarket parts. We offer add-ons that protect your upgrades, riding gear, and accessories.
Am I covered if I let someone else ride my bike?
In most cases, yes — but coverage may depend on your policy and the rider’s licensing and history. We’ll walk you through it.
Can I bundle my motorcycle insurance with auto or home?
Absolutely. Bundling policies can save money and simplify your insurance experience. Ask us about discounts.
Hit the Road With Confidence
Whether you’re riding through Hattiesburg or hitting the Natchez Trace, make sure your motorcycle is protected by a policy that fits. Let Howlett Insurance Agency help you ride smarter, safer, and with peace of mind.
