Does motorcycle insurance cost more than car insurance?

I'm moving to a big city soon, and I'm considering trading in my car for a motorcycle. However, I'm a little worried about my insurance rates going up, as I know motorcyclists can be considered higher risks. Will I pay more for insurance on a motorcycle than on a car?

Answer
“Congrats on the move, and kudos to you for thinking ahead! I’m happy to say that in most cases, motorcycle insurance is cheaper than car insurance. Since motorcycles typically cost less than cars, they are less expensive to repair.
However, you’re right that motorcycles carry more risk. Motorcyclists are more likely to get into accidents and sustain injuries. Because motorcyclists are not protected by a vehicle, they also die more frequently during an accident. Based on these statistics, and based on how likely you are to submit claims, your motorcycle insurance premium might be higher than you expect.
Apart from the added risk of riding a motorcycle, regular factors that influence insurance will still apply. Insurance companies will look at:
  • Your age
  • The type of motorcycle you drive
  • Where you live
  • Your driving record
  • Your credit history
Since every company rates policies differently, you’re likely see a wide variety of rates, which is why it’s important to shop around.
One of the easiest ways to do this is to use Jerry. Jerry is an app that finds you the best insurance policies from over 50 top insurance providers in seconds! That way, all you have to do is pick the plan that works best for you—and once you’ve picked it, we’ll even help you switch!
Best of luck with the move and with the motorcycle!”
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Emily Maracle
Answered on Sep 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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