It depends on what state you live in. Some states don't ever require motorcycle insurance. Most states that require insurance require it just to register the vehicle.
You do not have to own a motorcycle in order to get a motorcycle license. Some states do have motorcycle training programs where they will provide a motorcycle for you to learn on and get a license. Most states have a learners permit where you can ride while you are learning. You would be able to drive a motorcycle from a dealership if you had a permit.
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