Insuring Oklahoma Riders Since 1983

Motorcycle Insurance in Chandler, Built for the Open Highway.

From cruising historical Route 66 on a touring bike to navigating country roads on a dual-sport or cruiser, Thompson's American Farmers & Ranchers Insurance provides personalized motorcycle coverage that protects your bike, custom gear, and passengers.

(405) 258-5002
4.4 Star Local Rating
AFR Mutual Partner
121 W 10th St, Chandler
Rider Security

Oklahoma Motorcycle Protection

Key options for street cruisers, touring bikes & sport cycles:

  • Collision & Comprehensive Damage
  • Custom Parts, Chrome & Accessories Coverage
  • Guest Passenger Liability Protection
  • Uninsured / Underinsured Motorist
  • Multi-Policy & Safe Rider Discounts
Office Hours: M-F 8:30am - 5:00pm Chandler, OK
Customized Rider Protection

Complete Coverage for Whatever You Ride

We insure Harley-Davidson cruisers, touring models, adventure bikes, sportbikes, and trikes with options designed for real-world road risks.

Collision Coverage

Pays to repair or replace your motorcycle after an accident involving another vehicle, gravel slide, or stationary hazard.

  • Flexible Deductibles ($250–$1,000)
  • OEM Parts Replacement Available

Comprehensive Coverage

Protects against motorcycle theft, fire, vandalism, Oklahoma hail damage, and deer strikes on rural roadways.

  • Hail & Severe Weather Dents
  • Animal Collision Protection

Custom Parts & Chrome

Covers aftermarket exhausts, saddlebags, specialized paint jobs, custom handlebars, and safety fairings.

  • Up to $3,000 Included Default
  • Additional Endorsement Limits

Guest Passenger Liability

Critical protection that pays for medical expenses and liability defense if a passenger riding with you is injured in an accident.

  • Passenger Medical Coverage
  • Legal Liability Defense

Uninsured Motorist (UM)

Vital coverage for motorcyclists in Oklahoma that covers medical bills and lost wages if an uninsured driver hits you.

  • Essential Bodily Injury Payout
  • Hit-and-Run Protection

Motorcycle Roadside & Towing

Specialized towing equipped with motorcycle flatbeds, fuel drops, battery jumps, and lodging reimbursement if stranded far from home.

  • Dedicated Bike Towing
  • Trip Interruption Reimbursement

Bundle Your Bike with Home or Auto Coverage

Oklahoma riders save when combining motorcycle insurance with existing auto or home policies through Thompson’s AFR.

Frequently Asked Questions

Got Questions About Oklahoma Motorcycle Insurance?

Answers to common questions regarding gear coverage, custom modifications, and lay-up periods in Chandler, OK.

Should I cancel my motorcycle policy during the winter months?
No. Canceling your policy creates a lapse in insurance coverage, which leads to higher rates when you reinstate in the spring. Furthermore, if a garage fire, tornado, roof collapse, or theft occurs during the winter while your bike is parked, an active comprehensive policy is required to pay the claim. Our annual policies are already priced accounting for seasonal Oklahoma riding patterns.
Are my helmet, leathers, and riding gear covered if damaged in a crash?
Yes, under the Safety Apparel and Accessories endorsement. High-end riding gear, DOT-approved helmets, leathers, riding boots, and gloves damaged in a covered collision are eligible for reimbursement up to your policy's stated gear limit.
How are custom parts, chrome, and aftermarket exhausts handled?
Standard factory motorcycle policies only cover stock parts. If you have invested thousands into custom paint, Vance & Hines pipes, performance tuning, or custom saddlebags, we add an Accessory / Custom Equipment rider. We recommend saving receipts and photos so that full replacement values are recognized if a total loss occurs.
Does standard Oklahoma motorcycle insurance automatically cover passengers?
Not always. Some cut-rate online policies exclude Guest Passenger Liability to lower the sticker price. If you ride two-up with your spouse or friends, you must ensure guest passenger coverage is explicitly active on your schedule. We ensure all our rider clients in Lincoln County carry sufficient passenger medical and liability limits.
How can I lower my motorcycle insurance rate?
Riders can lower premiums through Motorcycle Safety Foundation (MSF) completion credits, multi-bike discounts, mature rider credits, garage-kept credits, and multi-policy bundling with your Home, Auto, or Farm policy through Thompson's AFR.

Have questions about insuring your specific bike or custom accessories?