You do not have to own a motorcycle to get a licence, but you will need to borrow a bike to take the road test unless you buy one in the meantime. Not only do you not need to own a motorcycle, but...
it depends on your state laws you should go an look up the laws in your state most states you don't need one like South Carolina and Florida but again it depends on your state.
Yes, if you plan to ride it. Most State laws require the rider to also obtain the Insurance. For more information and resources on Motorcycle Insurance, check out...
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