Telling you how much motorcycle insurance costs is difficult because it depends on what type of motorcycle you own, what kind of driver you are and where you live. Many people don’t realize that virtually any type of motorized vehicle on two wheels falls under the motorcycle category. This includes mopeds as well as sports bikes.
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The reason that you need to understand what falls under the motorcycle category is because there is a vast difference in the type of vehicles that fall under this category. There is also a huge difference in the price for the different types of motorcycles.
An example of this is a moped. A moped owner who is middle aged with no prior driving issues can pay as low as $150 a year for their moped insurance. Conversely, the same driver who has a powerful street bike could pay as much as $2000 a year for their insurance.
Another thing that will affect your rates is where you live. For example, if you live in a state that has repealed their helmet laws, then your insurance premium will be higher than if you live in a state where they continue to have helmet laws. That is because the death rate for motorcycle drivers is higher in states without helmet laws.
Is motorcycle insurance more expensive than car insurance?
No, it doesn’t have to be. As mentioned above, it really depends on what type of motorcycle you drive. In addition to that, it also depends on how often you are driving your motorcycle and for what purpose.
For example, if you have a dirt bike and you are racing it on the weekends, then your rates will be higher than someone who has a powerful motorcycle but only drives on regular roads on the weekend.
In addition, a very powerful motorcycle will have higher insurance rates than a small compact car with very little power. Motorcycles are much like cars in this regard; the more power, the more expensive it is and the more things you do with it the higher your insurance will be.
Many motorcycle drivers who have slightly higher insurance expenses claim that their savings come from other areas. For example, a middle of the road motorcycle in terms of power may have a slightly higher insurance tag but can get far better gas mileage; this is important in today’s economy.
Another area for savings is in terms of time. Most motorcyclists find that traffic doesn’t impede them like it does people who drive a car or a truck. They can flow through heavier traffic and even standstill traffic with very few problems.
Do I have to take a special class in order to get motorcycle insurance?
No, you don’t have to take any special classes for your insurance, but you do have to have a specific license as a motorcycle driver and without that license, you will not be able to purchase a motorcycle or drive one legally.
There are some motorcycle insurance classes available that you can take that can lower the cost of your insurance premiums that you might want to consider. For example, the Motorcycle Safety Foundation recommends a class called the RiderCourse. Visit their website at to find out where your local classes are.
Your insurance company may also recommend specific courses to help keep your rates down. The benefits of these courses are great for both new and experienced motorcyclists, but especially for new motorcycle drivers that haven’t garnered any road time or experienced anything like the power that these machines have to offer. These promote safety AND can save you money!
Are there any other discounts I can get for my motorcycle insurance?
As mentioned above, taking safety classes and training classes can help you to save money on your motorcycle insurance. In addition, some insurance companies will offer you a discount if you wear safety gear.
In order to get this discount, you will have to purchase the gear and then provide a receipt as proof of your purchase. If you have an accident and you aren’t wearing your safety gear, then the insurance company will remove that discount from your insurance.
Safety gear isn’t cheap; most experts recommend that you budget between $500 and $1500 for safety equipment, including anti-theft devices for your motorcycle. It is pointless to make that investment if you don’t intend on using what you purchase.
Many of the discounts that an auto driver can qualify for are available to motorcycle drivers. Examples of these discounts are:
In addition, shopping around for your motorcycle policy will help keep your costs down as well. How much is insurance for a motorcycle? There’s only one way to find out for sure!
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