Let’s Save You Money Today by Finding the Best, Cheapest Motorcycle Insurance Quotes Right Here!

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Affordable Motorcycle Insurance for Everyone

Paying too much for motorcycle insurance?

We provide you with quality insurance and excellent motorcycle coverage at the cheapest possible premiums.

Not getting the service you deserve?

Choose from top-rated insurance companies in the U.S. that have proven to provide excellent service.

Don’t have time to hunt for insurance quotes?

Just enter your zip code at the top of the page and get a wide selection of motorcycle coverage quotes in an instant, tailored to your exact needs.

Now You’ve Got Cheap Motorcycle Insurance Quotes at Your Fingertips!

Why waste your time calling each insurance company when you can get affordable insurance for your motorcycle in two easy steps? Just enter your zip code at the top of this page. Our service is 100% FREE!

Why CheapInsurance.com?

Access dozens of top motorcycle insurance companies

Browse through quotes from the very best motorcycle insurance companies to find the cheapest deals for your budget and needs.

We’re trusted experts

We’ve been providing cheap motorcycle insurance quotes for more than 45 years, so you’re in safe hands.

You’re in control

You can tailor your quote to suit your exact needs. Choose to buy online, or over the phone.

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How Cheap Motorcycle Insurance Works

We believe you should be able to buy affordable motorcycle insurance in whichever way you want. That’s why we give you the choice to buy online, or over the phone. Getting a cheap motorcycle insurance quote online takes just a few minutes! Here are all the steps that you can expect.

Choose how to buy

By Phone: call (800) 486-1866

Online: Just enter your zip code at the top of this page

Provide your details

Complete the online form (two minutes) We’ll need a few details about you, your motorcycle, and your driving history.

Get your cheap insurance quotes

Get instant quotes We’ll list the cheapest online motorcycle insurance deals available based on your zip code. Choose your insurer Click on the insurer that you would like a confirmed, formal quote from. We’ll automatically send your details to the insurer to generate the final quote.

Enjoy peace of mind!

Once you’ve found the quote you like, you can relax knowing that you have found the cheapest motorcycle coverage possible. If no online quotes are available, you can dial our national motorcycle insurance network to talk through your options.

Beyond Cheap Motorcycle Insurance

As industry experts, we provide cheap quotes for a range of other insurance products.

Car Insurance

Car insurance is mandatory in most states. Apart from legally needing car insurance, you should have it to protect your assets. You never know when an accident can happen and covering medical bills and damage to your vehicle can be costly. Let us help you find auto insurance that is affordable and suits your needs.

Homeowner Insurance

Good home insurance is critical. Not only is it a requirement of getting a mortgage but it also protects your finances should your home be damaged in an accident or disaster. But finding the right balance of coverage and cost is difficult. We can help you find a policy that suits your home, family and budget.

Renter Insurance

There are more than 600,000 personal property thefts each year in California alone. Most renters own over $10,000 in valuables and important household items. Don’t put these items at risk of theft or damage— get renters’ insurance instead. We’ll help you find the best quotes for the lowest price.

Life Insurance

Life insurance is vital for protecting your family when you die. It is used to cover funeral costs and provide security for those you leave behind. We help you find a policy that gives you and your family peace of mind at a price you can afford.

Health Insurance

We believe that everyone has the right to a healthy life at a price they can afford. In 2020, the average private healthcare premium for individuals in the U.S. was $5,472 per year. The cost for families will be higher. We help protect you and your family by providing the cheapest health insurance deals available.

RV and Trailer

Long journeys with bad weather and poor roads can put your RV or trailer at risk. Keep your family’s adventures affordable and on the road by finding cheap insurance coverage. We put you in touch with specialist RV and travel trailer insurers who can advise the best policy for your vehicle, state and budget.

Boat and Watercraft

Make sure fun on the high seas never ends. Whether you’re buying a new craft or reinsuring an existing one, we provide the cheapest insurance quotes. We’ll help you find a policy that covers your activities, equipment and budget and put you in touch with one of our specialist boat and watercraft insurers.

Cheap Motorcycle Insurance FAQs

What is cheap motorcycle insurance?

A motorcycle insurance policy is designed to cover the cost of injuries to others and damage to their property when you have caused an accident.

You can also take out additional motorcycle insurance that can cover your motorcycle for unexpected events such as theft, fire, and damaging weather.

Some motorcycle coverage policies also cover collisions and will pay for the damage to your motorcycle if you hit an object or another vehicle.

As a motorcycle owner, you can also add accessory coverage to your insurance.

Insurance companies consider accessories to be separate from the bike itself and provide cover as additional motorcycle insurance.

Accessories can include:

  • Paniers.
  • Top boxes.
  • Specialized exhausts.
  • Sidecars.
  • Kits that turn a bike into a trike.
  • Trailers.
  • Electronic devices for media playback.
  • Customized seating.
  • Motorcycle safety accessories like fairings.

Why do you need motorcycle insurance?

It may seem as though you shouldn’t need motorcycle insurance—especially comprehensive and collision coverage. You’re not alone in thinking this way, particularly if you only ride for a few months of the year.

The truth is that you should actually have this insurance in place to save money, and protect you and your bike, no matter what happens.

In 2019, motorcycle accidents in the U.S. killed 5,014 riders and injured another 84,000.

When it comes to the chances of having a motorcycle accident, the odds are high. To ride a bike you need more skill than to drive a car. In addition, a bike is not as stable on the road as a car.

Motorcycles are also more difficult to see on the road and motorists often don’t notice bikes while they are driving.

This means that motorcycle safety is critical and you’ll need to be covered for injuries, as well as any damage to your bike.

Over 51,000 motorcycles are stolen every year in the U.S. Theft is a big problem and by insuring your bike, you can cover the cost of buying a new one if yours is stolen.

Motorcycle insurance also covers any unexpected damages. Your bike could accidentally fall over and cost a great deal to repair. Insurance helps you pay for these unexpected events.

You can get a cheap motorcycle insurance quote by using our quick quote tool.

How can I get the most affordable motorcycle insurance?

Here are eight tips for finding cheaper motorcycle insurance coverage:

Compare rates: Different insurers target different customer groups. This means what is cheaper for one person may not be more affordable for you. Use a price comparison site like ours that allows you to compare different insurance policies to suit your specific requirements.

Consider local insurers: Bigger isn’t necessarily better. Many state-wide insurers have customer review scores at least as high as big-name motorcycle insurance providers. They may offer lower rates.

Get a discount: There are many reasons that you may qualify for a discount—for example, if you buy a home or turn 55. You can ask for a discount at any time, so make sure you call your insurer and ask.

Improve your credit score: Insurers in most states will consider your credit score when calculating your premium. Improving your score could save money.

Get basic cover for old motorcycles: If your motorcycle has a low value or is old, it may not make sense to get expensive cover like comprehensive and collision coverage.

Opt for higher deductibles: A deductible is the amount you pay before your insurer will pay you out toward settling a claim. You can save money on your quote by choosing a higher deductible. This is not always a good idea, as you would have to pay the higher deductible should you have an accident.

Find a motorcycle that’s cheaper to insure: Some more expensive bikes can be costly to cover. We can reduce your premium if you buy a motorcycle that is cheaper to insure.

How much should full motorcycle insurance cost?

Research shows that on average, motorcycle insurance costs $519 per year, or $43 per month.

Having said this, when it comes to motorcycle coverage, each state is different. Premiums will vary depending on the state you live in, the minimum liability coverage laws, and the length of the riding season.

Why is motorcycle insurance so expensive?

There are several reasons why your motorcycle insurance could be high.

  1. Your age: Riders who are under 25 are statistically more likely to be involved in an accident. Even if they take a motorcycle safety course, they are a higher risk to insure. For this reason, it is often more difficult to save money on insurance coverage.
  2. Your location: The insurance rates in each state vary, so your actual address can impact your insurance quotes. Considerations like the traffic volume, crime, and weather all influence how much an insurer will charge you.
  3. Your driving record: Having points on your driving history or any DUI convictions for instance, will increase your insurance premiums.

Finally, insurance premiums are pushed up by the high number of uninsured drivers. If you are in an accident with an uninsured driver, you will be left paying for the damage.

The risk of this happening is factored in when you buy insurance, making it more expensive.

Why is motorcycle insurance so expensive for people under 25?

Motorcycle insurance prices decrease as you age. This is because you are seen as becoming a more experienced driver as each year passes.

For under 25s, insurance companies consider you to not be very experienced on the roads, and therefore you’re a higher risk for them to insure.

Interestingly, insurance premiums for younger women cost less than for younger men. This is because young men are more likely to be involved in accidents than women.

Does my credit score impact my motorcycle insurance rates?

Yes, having a good credit score will significantly reduce your insurance rates in most states.

The only exceptions are California, Hawaii, Massachusetts, Michigan, and Washington where your credit score is not taken into account when applying for insurance.

A good credit rating could reduce your premiums by up to 25%, while a poor credit rating could double it. Insurers do this because to them, your credit score tends to be a good indicator of whether you are a responsible driver or not.

Getting a motorcycle insurance quote will not affect your credit rating.

Is it better to pay for motorcycle insurance coverage every 6 months or monthly?

When it comes to motorcycle insurance coverage options, a 12-month motorcycle insurance policy is best if you have a clean driving record.

This is because it will guarantee you an affordable premium for a whole year. You can also get a discount for paying your premiums up front.

If this isn’t possible, or if you have points or a violation on your driving record, then paying for your insurance every 6 months or monthly is your next best bet.

Once the points on your driving record have expired, you can switch to a cheaper policy and annual payments may become possible.

Can I Bundle My Motorcycle Insurance with my Car Insurance Policy?

Yes—bundling your insurance products is a very good idea.

If you have homeowners insurance, car insurance, and motorcycle insurance all with one company, you can get much cheaper insurance premiums.

Insurance companies with bundled insurance options usually offer a discount of between 5 and 25% per policy. This can amount to huge savings.

To bundle your insurance you can use a tool like ours to find the best bundled insurance deals.

How can I get the best motorcycle insurance rates?

If you’re looking to get comprehensive coverage for your motorcycle, as well as collision coverage, you can get the best rates in the following ways:

Maintain a clean driving record: Make sure that you avoid getting any points or violations on your driving record as this could significantly increase your insurance premiums.

Bundle your insurance: Get your homeowners insurance, auto insurance, and motorcycle insurance from one company and save up to 25% on your insurance premiums.

Pay your insurance premiums upfront: If you pay your insurance premiums annually, you can ask for a good discount from your motorcycle insurance company.

What’s the difference between actual cash value, agreed value, and replacement value?

Your insurance premium could be affected by which option you choose when it comes to actual cash value, agreed value, or replacement value.

Actual cash value is the amount of money that your motorcycle is worth. This will be its market-related or book value. In other words, if you were to sell your motorcycle out of hand or to a dealer, you will get its actual cash value.

Agreed value is the amount of money that you are looking to receive if you need to replace your bike. This amount could be above or below the actual cash value.

Replacement value is generally the amount of money needed to replace your motorcycle with a new model of the same or similar specifications.

For example, if you have a Harley Davidson Sportster from a few years ago, the replacement value of that bike would be higher than your current machine’s actual cash value.

Should I have year-round motorcycle insurance?

Depending on the state that you live in, you may only ride your motorcycle for some months of the year, and may store your bike over winter.

For this reason, it makes sense to question whether you should still keep insurance to cover all those months.

The answer is yes, you should maintain insurance coverage throughout the year. You never know what may happen while your bike is in storage.

There could be a fire, or your bike could get stolen or damaged in some way. It’s also cheaper to maintain year-round coverage for your motorcycle.

How do you know if you have the right motorcycle insurance coverage?

When asking for insurance, it’s important to know exactly what coverage and benefits you are getting. Ask about coverage for the following:

Safety apparel: You may be able to get your helmet, jacket, pants, gloves, and boots covered.

Medical coverage: This is a must when riding a bike, so find out exactly what medical coverage your insurer is offering you.

Towing: This benefit comes in very useful if you are riding alone and have a breakdown on the side of the road.

Uninsured motorist: When the other party in an accident does not have insurance, this benefit means that your damages and medical bills will still be covered.

Roadside assistance: If you have a flat tire or run out of gas, roadside assistance can be a lifesaver.

What do all these motorcycle insurance terms mean?

Here is a list of common terms that your insurer will use in their policy documentation and when speaking to you about your insurance:

Accident: Is an unintended event that causes damage or loss of property or life.

Bodily injury liability coverage: This is coverage that pays for the injured party if you’ve caused an accident.

Burglary and theft coverage: Additional coverage that pays for loss due to crime.

Causality insurance: Coverage for a person who is killed or injured in an accident.

Deductible: A portion of a claim that is paid by the insured; it’s a set value agreed with you beforehand. Usually, the higher the deductible, the lower the premium.

Evidence of insurance: A written proof of coverage for a specific period of time.

Driving under the influence: This applies to motorcycles as well and relates to any drug or alcohol consumption over the legal limit while behind the wheel.

Driving record: A detailed account of an individual’s driving violations.

Full coverage: This is insurance that includes minimum liability, collision, and comprehensive cover on a specific vehicle.

Gross negligence: Reckless behavior that harms another without regard for their safety or property.

Limits: The maximum amount of coverage provided under that policy.

Motor vehicle report: A detailed account of a driver’s record.

Package policy: This is a policy that offers discounts for multiple policies.

Premium: The cost of the policy which must be paid in order to have coverage.

Total loss: This is when property is so badly damaged that the repair cost is more than the cost of the property.