How much is motorcycle insurance?

Many factors influence motorcycle insurance rates, just as they do with regular auto insurance. Where you live, what kind of vehicle you drive, the safety laws in your state and more can all add or reduce your motorcycle insurance rates by hundreds of dollars. Motorcycle insurance rates tend to be higher than regular auto insurance rates because of the danger of riding a motorcycle. Save up to 30% by combining discounts for safe driving and good grades.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 20, 2021

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Things to Remember...

  • Any two-wheel, motorized vehicle is categorized as a motorcycle, including mopeds and sports bikes
  • There is also a huge difference in the price for the different types of motorcycles
  • Motorcycle insurance does not necessarily cost more than car insurance; it depends on your specific needs

Telling you how much motorcycle insurance costs is difficult because the cost depends on what type of motorcycle you own, what kind of driver you are, and where you live.

The reason that you need to understand what falls under the motorcycle category is that there is a vast difference in the type of vehicles called motorcycles. And there are huge differences in what your motorcycle insurance rate will cost depending on the laws and claims filed in your state.

For instance, if you live in a state that has repealed its helmet laws, your motorcycle insurance rates will likely be higher than if you lived in a state where the government forced motorcyclists to wear helmets.

If you’re unsure about which motorcycle insurance company works the best for you, check out our best auto insurance companies for 2021 page and see comparisons between companies by rate, number of complaints, size, financial strength, and more.

And if you’re ready to just jump in and find a quote, enter your zip code for your free online auto insurance quotes and motorcycle quotes today! Our quote comparison system will give you the best rates for you, your driving history, and your area.

Now, let’s jump into the average costs of motorcycle insurance.

Is motorcycle insurance more expensive than auto insurance?

As mentioned above, it really depends on what type of motorcycle you drive. Additionally, it 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, your rates will be higher than someone who has a powerful motorcycle but only drives on regular roads on the weekend.

A 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..

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 benefit is important in today’s economy.

Another area for savings is 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.

Still, there are ways you, as a motorcyclist, can reduce your motorcycle insurance rate, including by raising your deductible or taking advantage of numerous discounts that auto insurance companies offer.

And certainly, while we are going over all the technical details, it’s important to not forget that driving a motorcycle can just be fun. For that reason, we’ve put together some of the best cities for motorcyclists based on amounts of precipitation, top attractions, and more.


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Do I have to take a special class in order to get motorcycle insurance?

You don’t have to take any special classes for your insurance, but you do have to have a specific license endorsement as a motorcycle driver.

Without that endorsement, you will not be able to drive a motorcycle 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 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!

Are there any other discounts I can get for my motorcycle insurance?

Taking safety classes and training classes can help you to save money on your motorcycle insurance. In addition, some insurance companies will offer you various auto insurance discounts depending on your situation, such as 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, 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. Many of the discounts that an auto driver can qualify for are available to motorcycle drivers such as:

In addition, shopping around for your motorcycle policy will help keep your costs down as well.

Enter your zip code below and start comparing motorcycle and auto insurance quotes right now!



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