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The minimum requirement in many states would be liability. It is a legal requirement that you have liability coverage. Carry as much of it as you can. Just in case.
Probably of more importance to a motorcyclist is medical coverage. Carry as much coverage as you can. Until a loophole is fixed in the current health insurance legislation, some healthcare plans can *potentially* deny coverage for injuries sustained from motorcycling. As you may surmise, this is expensive coverage. Many motorcycle insurance plans either don't have provisions for extensive medical coverage or they cost a lot in terms of premiums.
It would not be advantageous to ride if one had no medical insurance. You'll get treatment at the county hospital but I, for one, do not believe in settling for minimums when it comes to healthcare.
On top of this would be comprehensive/collision. As in what would happen if the bike is stolen, vandalized, burned up by fire, or crashed, etc. This coverage is also expensive. Motorcycles, *especially* sportbikes with a lot of plastic are considered high risk (meaning the insurance company has to spend money to pay claims, like for crashed or stolen bikes).
There are other ancillary benefits but these vary.
As you may have noticed, insurance costs vary by age, sex, geographical location, and type and size of motorcycle. Those high zoot sportbikes, on average, usually cost the most to insure.
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