Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: Apr 23, 2020

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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 because there is a vast difference in the type of vehicles called motorcycles.

If you live in a state that has repealed their helmet laws, then your insurance premium will be higher than if you live in a state where they continue to have helmet laws.

Enter your zip code for your free online auto insurance quotes and motorcycle quotes today!

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.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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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 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!

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 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, 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!