Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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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. 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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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What Are the Cheapest Motorcycle Insurance Rates

Purchasing and driving a motorcycle can be thrilling, but before buying a motorcycle it is important to know the answer to the question how the cheapest motorcycle insurance will cost. The answer is that motorcycle insurance can range anywhere from $50 a month to over $400 a month.

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So the average cost you will probably pay is $150-$200 per month. The reason the range is so big is because many different factors affect the cost of motorcycle insurance. The following article will provide additional information on motorcycle insurance and the factors that affect the cost.

How Type of Motorcycle Impacts Insurance Cost

One of the major factors that determine how much you will pay for motorcycle insurance is the type of motorcycle you own. Older makes and models of motorcycles cost less to insure, in most cases. The only exceptions are rarer foreign made models not usually sold in the United States. This is because replacement parts are hard to get and replacement value is harder to determine. But the general rule is that the older the model, the cheaper the coverage. You should take this into consideration when deciding what type of motorcycle to purchase.

Just like sports cars, if you choose to purchase a brand new street bike or top of the line motorcycle, your premium rates will be higher. Not only are these types of motorcycles more costly to replace, but typically the owner has a loan on the bike and the lien holder requires more extensive coverage than a motorcycle that is paid off. Even colorful bikes can raise the premium amount with red being the most expensive to cover. This is just another thing to take into consideration before purchasing a motorcycle.

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Your driving history affects the cost of motorcycle insurance

Along with the type of motorcycle you own, a major influence on motorcycle insurance costs is your own personal driving history. Motorcycle insurance companies know that a reckless driver on a motorcycle is a formula for disaster. Because of this, they are very cautious about whom they provide motorcycle insurance to and how much they charge for at risk drivers. An at risk driver will have motorcycle insurance rates that are almost double the average cost of motorcycle insurance. Protecting your driving record pays in the end.

What qualifies you as an at risk driver differs from state to state, but there are some general rules of thumb. The first negative factor that makes you an at risk driver is speeding tickets. Even one speeding ticket can increase your monthly premiums but multiple tickets will be sure to increase your premium rates dramatically. Multiple accidents whether you are at fault or not also increase rates drastically. A cautious driver is not only safer but protects their driving record from accidents and speeding tickets.

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Personal information affects the cost of motorcycle insurance

Your personal information can affect the cost of motorcycle insurance as well. It may not seem fair because you cannot control some of the factors, but none-the-less, they affect your overall rate. For example, your gender and age affects rates. If you are a young male, your rates will be on the average $600 a year higher than young women drivers. Where you live also affects your rates. If you live in a high crime area or an area where motorcycle and car thefts are higher than other places in your state, you will have higher rates. Also, what state you live in will affect your rates. Some states have strict motorcycle laws where other states are more lenient with their motorcycle laws. This will affect the amount and type of coverage you need to have on your motorcycle.

Finding the right coverage for you personal situation as well as for the type of motorcycle your own or are thinking about purchasing can seem like a daunting task. However, it does not have to be difficult. You can shop around for motorcycle insurance by comparing rates and quotes from several top companies. You can do this by flipping through the yellow pages or making many time consuming calls, but the best way to compare rates and quotes is to use an online comparison tool. This type of tool allows you to see what many motorcycle insurance companies have to offer side by side so you can choose the company that is right for you.

Try an online comparison tool today.