Insurance companies will have different rules. On a state by state basis the guidelines for an endorsement can vary. You may be able to purchase the motorcycle but not insure it without the endorsement. Some insurance companies may allow you to insure the motorcycle without an endorsement but be aware that if you get pulled over without the proper motorcycle license you will be subject to penalty. In some cases you could have your motorcycle impounded, and face stiff fines. It is best to verify with your local Driver’s License Bureau first. A simple phone call or a few moments of online research could save you a great deal of inconvenience – and money.