Motorcycle insurance quotes that are quick, with the best affordable, inexpensive, and cheap motorcycle insurance rate.
Compare the cheapest motorcycle insurance policy.
You may be wondering why should reach out to us for motorcycle insurance quotes? Here is why:
Motorcycle insurance prices from major companies in the U.S. offering motorcycle insurance at the cheapest possible rate for your specific requirement.
Our customers know that they can return to us time and time again when they need to get an inexpensive motorcycle insurance. CheapInsurance.com brings you affordable motorcycle insurance rates from nationally rated U.S. insurance companies.
Don’t waste time browsing multiple insurance websites. Simply get cheap motorcycle insurance quotes right here, right now! reliable motorcycle insurance you require, in one place. You can select the insurance coverages you need.
If you have a learner’s permit, does not mean that you can’t get cheap 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.
Not only do the insurance companies we work with bring you the best motorcycle insurance, they also simplify the online experience.
Getting an affordable motorcycle insurance quote doesn’t need to be a difficult or a time consuming process. That’s why we give you the option to buy online.
See instant motorcycle insurance options
We’ll list the cheapest motorcycle insurance quotes available, based on your location.
Choose your insurance
Click on the insurance carrier that you would like a see the quote details from. The insurance company will provide you with a detailed motorcycle insurance quote.
Enjoy peace of mind!
Once you’ve found the quote you prefer, you can relax knowing that you have found reliable, inexpensive motorcycle insurance.
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 policies also cover collisions and will pay for the damage to your motorcycle if you hit an object or another vehicle.
As an owner, you can also add accessory coverage to your insurance. An insurance agent will consider accessories to be separate from the standard insurance policy and provides coverage as additional insurance.
Accessories can include:
It may seem as though you don’t need a motorcycle insurance policy, 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 will 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.
Here are eight tips for finding the cheapest motorcycle insurance rates.
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 the cheapest 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 example, defensive driving course for your car might help. Make sure you ask 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.
Own a motorcycle that’s cheaper to insure: Some bikes can be costly for motorcycle insurance. Insurers can reduce your insurance rate if you buy a motorcycle that is cheaper to insure.
There are several reasons why your motorcycle insurance could be high.
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.
Yes, having a good credit score will significantly reduces motorcycle 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, which will get you lower insurance rates. Not a homeowner? You can also easily bundle your motorcycle policy with a renters insurance policy.
Insurance companies with bundled insurance options usually offer a discounts per policy. This one of the ways to get cheap insurance.
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.
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.
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:
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 and cheaper to insure.
In addition, as with cars, bikes lose value as they age, which means that older bikes will continue to be 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.
Copyright ©2025 Cheapinsurance.com. All rights reserved.