How to Get Motorcycle Insurance

Motorcycle owners are typically required to meet the same minimum insurance requirements that their state requires for cars.
Written by Pat Roache
Edited by Georgina Grant
Motorcycle insurance is mandatory for motorcycle owners in almost every state and can be obtained through many traditional
auto insurance
companies.
  • The average motorcycle insurance policy costs $721 per year but your costs will depend on factors like your age, location, experience level, and more.
  • States typically require motorcycle owners to meet the same minimum liability coverage amounts that are required for cars.
  • Motorcycle owners should consider increasing their liability limits, purchasing guest passenger policies, and investing in other coverage options to protect their bikes.

How to find cheap motorcycle insurance coverage

The best way to find the lowest motorcycle insurance rate is to compare three to five quotes before committing to a policy. 
Pro Tip Jerry’s insurance experts can help you find the lowest rate on the motorcycle coverage you need! Call 1-833-445-3779 for a quote.
Here are a few other ways to get the best deal on your motorcycle insurance premium:
  • Ask about motorcycle insurance discounts: Ask your insurance agent if they offer any
    insurance discounts
    that you may be able to qualify for, such as bundling multiple policies or switching to paperless billing. Some providers will even discount your rate if you complete a motorcycle safety course or hold a motorcycle license (that’s separate from a motorcycle endorsement) for a certain amount of time.
  • Add anti-theft devices: You can usually reduce your comprehensive rate by adding
    anti-theft devices
    to your bike. You may even get a discounted rate if you can prove that you park your bike in a garage.
  • Skip additional coverage: Depending on the age and value of your bike, you may not need to add collision or comprehensive insurance to your motorcycle’s policy. Most motorists will
    drop full coverage
    if the combined cost of the premium and deductible outweigh the value of their bike.

The average motorcycle insurance policy costs about $720 per year

Motorcycle insurance tends to cost around $721 per year on average, but these costs can vary widely depending on your provider.
Use the table below to compare the average cost of motorcycle insurance from popular insurance companies:
Insurance provider
Average annual cost of motorcycle insurance
$588
$612
$624
$854
$879

What your motorcycle insurance should cover

The basic requirements: Your motorcycle insurance policy needs to include the same amount of liability coverage outlined in your state’s
minimum car insurance requirements
.
Almost every state requires drivers and motorcyclists alike to carry minimum amounts of the following types of
liability insurance
before hitting the open road:
For example: If you live in a state that requires a minimum coverage limit of 25/50/25 for liability insurance, a basic liability policy would cover the following:
  • Up to $25,000 in bodily injury liability per person
  • Up to $50,000 in bodily injury liability per accident
  • Up to $25,000 in property damage liability per accident
Some states also require motorcyclists to carry medical coverage through either a health insurance policy or an additional motorcycle insurance coverage type, like
medical payments (MedPay) coverage
.
Keep in mind: While personal injury protection (PIP) is required for drivers in
no-fault states
, this type of coverage typically does not extend to motorcyclists. Instead, some states require motorcyclists to carry pedestrian PIP, which helps pay for pedestrian injuries in the event of an accident.

Motorcycle insurance requirements for scooters and mopeds

Some states will require motorcycle insurance for scooters and mopeds, but it depends on the engine size and top speed.
Here’s what you can typically expect:
  • You need motorcycle insurance: If your scooter or moped has an engine that is 50 cubic centimeters (cc) or larger or can reach a top speed of 30 mph or higher
  • You do not need motorcycle insurance: If your scooter or moped’s engine is smaller than 50 cc or cannot exceed a top speed of 30 mph
What to do: Check your state’s laws for specific guidelines and requirements regarding scooters and mopeds. Many insurance companies sell specific types of insurance for ATVs, UTVs, and sport bikes that are separate from motorcycle coverage.

Other types of motorcycle coverage

You may want to consider buying more coverage than your state requires to protect their financial future, including:
  • Higher liability limits to cover more expensive motorcycle accidents
  • Guest passenger policies
Key statistics: Motorcyclists are six times more likely to be involved in a fatal crash than car drivers, and your state’s minimum liability requirements won’t always be enough to cover the expenses. 
Consider the following types of additional motorcycle insurance to protect your bike:
  • Collision coverage
    : Pays for repair costs for your bike after an accident, regardless of who was at fault.
  • Comprehensive coverage
    : Covers your bike from non-collision events like natural disasters, vandalism, or theft. 
  • Uninsured/underinsured motorist coverage
    : Pays for your medical bills if you’re ever in an accident caused by a driver who doesn’t carry sufficient liability limits (or any liability insurance) to cover your costs. Some states require this type of coverage in addition to basic liability.
  • Towing and labor coverage
    : A roadside assistance plan will come to the rescue if you ever experience bike troubles while you’re on the road. Just make sure the tow truck can accommodate your motorcycle if you ever have to call one.
  • Trip interruption coverage: Provides travel allowances for covered claims if you have motorcycle problems while you’re away from home. 
  • Accessories, custom parts, or equipment coverage: Cover the unique touches you’ve added to make your bike stand out, but offerings vary from provider to provider.
Keep in mind: Both collision and comprehensive insurance require you to pay a deductible first, but this is typically much cheaper than paying out-of-pocket for the full cost to repair or replace your bike.

A fast bike or a past accident could impact your motorcycle insurance premium

Just like when
calculating a car quote
, insurance companies use many variables to determine motorcycle insurance quotes. Here are a few primary factors you can expect your provider to consider:
  • Your age:
    Young drivers
    are considered riskier to insure than older drivers across all types of vehicles. That said, newer motorcycle riders will be viewed with a similar level of risk regardless of their age.
  • Your location: Your zip code can tell a lot about the potential level of risk surrounding you and your bike. You might end up with a higher insurance rate if you live in an area with high crime rates, severe weather, or a high rate of uninsured drivers.
  • Your occupation: Studies have shown that certain occupations—like teachers and scientists—have a lower correlation for risk than others, like construction workers or bartenders.
  • Your driving history: More experienced riders with
    clean driving records
    will receive cheaper rates than newer riders or those with recent violations or accidents.
  • The type of motorcycle you drive: More powerful vehicles tend to carry more risk, so motorcycles with bigger engines will typically receive more expensive rates. Insurance companies also use the
    actual cash value (ACV)
    of your bike to help determine rates for collision and comprehensive since this is the highest amount they would have to pay out in a total loss.
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