This Is How Much You Need to Pay for Motorcycle Insurance

Is motorcycle insurance expensive? That’s a question that you might be asking yourself right now if you’re thinking about whether or not you should buy a motorcycle.

You’ll be happy to know that the motorcycle insurance cost shouldn’t be all that high for you. As long as you obtain it from one of the best motorcycle insurance companies, you should be able to secure a great deal on motorcycle insurance.

So, how expensive is motorcycle insurance? On average, you’re going to be looking at paying about $700 per year for it.

But the price that you’re going to be expected to pay is going to change based on a bunch of different factors. You should learn about these factors prior to purchasing a motorcycle insurance policy.

Check out some of the factors that might have an impact on your motorcycle insurance cost.


Your location is going to be one of the first things that affects your motorcycle insurance cost. A motorcycle insurance company is going to ask you to tell them exactly where you live before providing you with motorcycle insurance quotes.

The average motorcycle insurance rates are going to be a lot different in a sleepy town in the Midwest as opposed to in a busy city on the East Coast. There is going to be a higher chance of someone in a big city getting their bike stolen or getting into an accident while on their bike.

As a result, those who are located in cities and towns that are a bit more congested than others should expect to pay more for motorcycle insurance. The answer to the question, “Is motorcycle insurance expensive?”, is almost always going to be “yes” for them.


Your age is going to be another thing that a motorcycle insurance company is going to take into account before setting you up with motorcycle insurance quotes. If you’re on the younger side, you’re going to pay more for motorcycle insurance than someone who is on the older side.

The reason being, a motorcycle insurance company will trust that older motorcycle riders have more experience on their bikes and will therefore get into fewer accidents. So they’ll extend more affordable motorcycle insurance rates to them since they predict that they won’t have to pay out much on claims filed by them.


In addition to looking at your age, a motorcycle insurance company is also going to want to see what your driving history is like. They realize that just because someone is getting up there in age doesn’t mean that they have a great driving history.

You can expect a motorcycle insurance company to look into your driving history to see if you’ve been issued any tickets or been involved in any accidents over the years. If you have, you might have a tough time getting your hands on a motorcycle insurance policy that you can afford.

Make and Model of Motorcycle

When you go to get a quote for motorcycle insurance, a company is going to ask you to provide them with the make and model of your motorcycle. They’re also going to ask you to tell them when your motorcycle was made. And they might even inquire about any aftermarket parts that you’ve had installed in your motorcycle.

Their goal in doing all of this is going to be to try and assess what your motorcycle might be worth at this time. This will shed some light on how much they’re going to have to charge you for motorcycle insurance to ensure that they’re covered in the event that they have to repair or replace your bike at some point down the line.

You should prepare to set your motorcycle insurance company up with any and all information that they might need about your bike. It’s going to be the only way for them to give you an accurate quote.

Motorcycle Usage

Are you planning on driving your motorcycle to work each and every day? Or are you only going to ride your motorcycle occasionally on weekends during a certain time of the year?

If you fall into the first category, you’re obviously going to need to pay more for motorcycle insurance than someone who falls into the second category. Those in the second category, meanwhile, might be able to get away with paying next to nothing for motorcycle insurance.

You should consider how you plan to ride your motorcycle when you buy it. It could play a huge role in the quotes that you receive for motorcycle insurance.


The answer to the question, “Do you need motorcycle insurance?”, is almost always “yes.” Just about every state in the U.S. requires motorcycle owners to insure their bikes.

But you don’t have to get full coverage for your motorcycle if you don’t want to. There are actually going to be a wide range of coverages available for those looking to purchase insurance for a motorcycle.

You should scan through the different coverages that will be offered to you and see which one makes the most sense for you and your bike. You want to make sure that you have enough coverage, but you don’t want to overspend on coverage that isn’t really necessary based on the condition of your bike.

So, Is Motorcycle Insurance Expensive? More Often Than Not, It Isn’t

There are times when people will ask themselves, “Is motorcycle insurance expensive?”, and discover that it’s way more expensive than they might have imagined. Younger riders with newer motorcycles sometimes have to spend a small fortune on motorcycle insurance.

But there are plenty of instances in which motorcycle insurance won’t cost much at all. You might be pleasantly surprised to see how affordable motorcycle insurance is when you go to compare motorcycle insurance rates. You should take a look at them to see if you can fit motorcycle insurance into your budget.

Browse through the other articles on our blog to find more information on motorcycle insurance.

Author: Brandon Park