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Don’t waste time browsing multiple insurance websites. Simply get the price of motorcycle insurance right here, right now! All we need is your zip code and a few details to get you all the least expensive motorcycle insurance quotes you need, in one place.


Have A Learner's Permit or Buying a Motorcycle?

Get Affordable Motorcycle Insurance Quotes Online!

Just because you have a learner’s permit, does not mean that you can’t get motorcycle insurance. The same insurance laws apply to all riders, whether they have a learner’s permit or a full motorcycle license.

This means that you will need insurance whenever you ride.

If you’re wondering when you need motorcycle insurance.

• Your engine exceeds 50cc
• You can exceed 30mph on a flat surface

If you are financing your motorcycle, the financial institution that you are working through will require you to have proof of full coverage motorcycle insurance in place before you ride off the showroom floor.

We cover more details in our article.

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Not only do the insurance companies we work with bring you the best inexpensive motorcycle insurance quotes, but they will also simplify the motorcycle insurance online experience.

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Getting a cheap insurance quote doesn’t need to be a difficult or time consuming process. That’s why we give you the option to buy online.

Just follow these easy steps:

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Motorcycle Insurance FAQs

Browse through the answers to some of the common questions that customers have about motorcycle insurance.

A motorcycle insurance policy is designed to cover the medical expenses for others and any damage to their property when you have caused an accident. This is called liability insurance.

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

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

As a owner, you can also add accessory coverage to your insurance. An insurance agent will consider accessories to be separate from the standard motorcycle insurance policy and provides coverage as additional 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.
  • Safety accessories like fairings.

It may seem as though you don’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, no matter what happens.

When it comes to the chances of having a motorcycle accident, the odds are high. To ride a motorcycle 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.

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

Theft is a big problem, many motorcycles are being stolen every year in the U.S. By being insured, you can cover the cost of buying a new one if yours is stolen.

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

You can get the least expensive motorcycle insurance quote by using our quick quote tool. Simply head to the top of this page and enter your zip code to get started.

Here are eight tips for finding cheaper motorcycle insurance quotes.

Compare rates: Different insurers target different customer groups. This means a price that is considered cheaper insurance by one person may not be affordable for you. Use a price comparison site like ours that allows you to compare affordable motorcycle insurance quotes 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 those of big name motorcycle insurance providers. They may offer low motorcycle insurance quotes.

Get a discount: There are many reasons that you may qualify for a discount for motorcycle insurance, if you have a home, car or rent an apartment, you can bundle them together. You should ask for any discounts that you may qualify for, so make sure you call your insurer.

Get basic insurance for old motorcycles: If your motorcycle has a low value or is old, it may not make sense to get full coverage motorcycle insurance, which may add to the price of motorcycle insurance.

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

Find a motorcycle that’s cheaper to insure: Some bikes can be costly for motorcycle insurance. Insurers can reduce your price if you buy a motorcycle that is cheaper to insure. Ask questions like, how much does insurance cost?

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

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

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 insurance quotes. Considerations like 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 the rate for motorcycle insurance.

Finally, insurance premiums are increased by the high number of uninsured drivers. The risk of this happening is factored in when you buy insurance, making it more expensive.

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

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

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

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 according to them, your credit score tends to be a good indicator of whether you are a responsible rider or not.

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

When it comes to 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 motorcycle insurance rate 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 six months or monthly is your next best bet.

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

Yes—bundling your insurance products is a good idea. If you have homeowners insurance, car insurance, and motorcycle insurance all with one company, you can qualify for 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. Simply head to the top of this page and enter your zip code to start finding the cheapest motorcycle insurance rates.

If you’re looking to get comprehensive coverage for your motorcycle, as well as collision coverage, you can get the best motorcycle insurance 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 the price of insurance.

Bundle your insurance: Get your homeowners insurance, auto insurance, and motorcycle insurance from one company and save up to 25% the cost of motorcycle insurance.

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

Your insurance premium could be affected by the 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 very 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.

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 the months that you don’t ride your bike.

If 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.

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, then have a breakdown, and are left stranded 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.

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: This 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 motorcycle riders as well, and relates to any drug or alcohol consumption over the legal limit while riding.

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.

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.

Small motorcycles with small engines are usually the cheapest motorcycles to insure. This is because smaller engines mean lower speeds, which to insurance companies equates to lower risk.

However, scooters are not considered to be small bikes by insurers and will fall under a different category. 

Heavier bikes such as cruisers are also cheaper to insure, as are older machines. A new sport bike is the most expensive bike to insure.

Here is an example:

If you were to purchase a Harley Davidson V-Rod with a 122 horsepower engine, you will pay less for your insurance than if you were to purchase a Suzuki Hayabusar.

The Hayabusar is one of the largest, fastest bikes available and has a 1340cc engine (130 horsepower). 

Compared to the Harley which can only reach speeds of about 114mph, a Hayabusar can reach a whopping 200mph.

The sheer weight and size of the Harley mean that it will never reach the speed that the Hayabusar can. A Hayabusar is considered a sport bike and these are always the most expensive to insure. 

When it comes to insuring your motorcycle, this process is just as quick and easy as insuring your car. 

After you’ve compared your motorcycle insurance quotes with us (simply head to the top of this page and enter your zip code to get started), you’ll need to call the insurance company with your information to get covered.

You will be asked to confirm your:

  • Name.
  • Social Security number.
  • Address.
  • Motorcycle license number.
  • Motorcycle endorsements.
  • Model of motorcycle.
  • Year of manufacture.
  • Engine size.
  • Custom parts on the bike.

Although the cost to insure classic bikes can vary, older motorcycles tend to be less powerful, which means they are not as fast. This makes them less of a risk to insure.

In addition, as with cars, bikes lose value as they age, which means that older bikes will become cheaper to insure over time.

This of course does not apply to classic bikes, which could be more expensive to insure due to the risk associated with repairing it or replacing parts that are hard to come by.

Most dealerships will not allow you to test ride a motorcycle. However, they often host demo days where you will be able to test ride the bike you have your eye on after you have signed a waiver.

If while test riding a bike that you do not own, you have an accident, the cost to repair the bike will almost always need to come out of your own pocket, since you won’t have insurance to cover the repairs.

For this reason, it is safer to purchase a motorcycle without a test ride to ensure that you are covered by your insurance company. 

You will need to have motorcycle insurance in place before you leave the dealership with your new ride.

In most cases, motorcycle insurance is cheaper than car insurance. Because motorcycles are generally cheaper than cars, they typically cost less to replace or repair.

However, riding a motorcycle is more risky than driving a car, and for this reason, you may pay more in premiums than you would expect.

Your insurance company will also look at a few other factors when determining your motorcycle insurance premium, and this includes:

  • Your age.
  • The type of motorcycle you ride.
  • Where you live.
  • Your driving record (both car and bike).
  • Your credit history.

Shopping around is always important when it comes to settling on an insurance premium that’s right for your budget. To start the process, you can simply head to the top of this page and enter your zip code. You’ll receive dozens of motorcycle insurance quotes in return.

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