no u do not need insuranec on a bike unless ur company u have a loan on it from requires it. which most do. i don't have insurance on my bike b/c i figure if i drop it, its my dam fault and i should have to pay to fix it, and if someone hits me, than give me money. the only thing i do worry about it uninsured motorists. cause knowing my luck i'll get hit by the one jack on on the road prolly driving a BMW and has no insurance