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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Finding Adequate and Affordable Motorbike Insurance

Just like car insurance, motorbike insurance is an important part of driving a motorcycle. If you drive your motorcycle without motorbike insurance you are, simply put, breaking the law!

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Motorbike insurance doesn’t just refer to motorcycles; there are several other motorbikes that fall under this category. These include:

  • Scooters
  • Dirt bikes
  • Mopeds
  • Trikes

Most states have insurance requirements for all of these types of motorbikes. Even if your state doesn’t require you to carry motorbike insurance on a scooter, for example, it is still a good idea to purchase and maintain the insurance. Not only does this protect your motorbike if it is stolen or in an accident, if you cause an accident then having motorbike insurance protects your finances as well.

Why kind of motorbike insurance is available?

Most insurance companies that offer motorbike insurance offer:

  • Liability insurance
  • Collision insurance
  • Comprehensive insurance
  • Medical insurance
  • Custom parts and accessory coverage

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Liability insurance is the insurance that your state requires you to carry on most motorbikes. This insurance covers the damage and injuries from an accident that you cause.

For example, you run a red light and cause a truck to slam on his breaks to miss you. The car behind him rear ends his vehicle and crumples its front end. Your liability insurance covers the cost of those two vehicles that got into an accident in an effort to avoid you.


If, in that accident, you skid across the road because you realize you have run a red light and you try to prevent further accidents and the sissy bar breaks off of your bike then your liability insurance does not cover this cost; this is where your collision coverage comes in. Collision insurance provides you with coverage for your motorbike if it is damaged in any type of collision. In the example above, the collision was with the road. Any collision, however, is covered. This applies to a collision with an object, such as a tree or with another vehicle or even an animal.

Collision insurance, however, doesn’t cover the cost of the accessories or custom parts that you have added to your motorbike. This is where custom parts and accessories coverage applies.

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Custom Parts:

Most motorcycle owners do some things to upgrade their bikes. This could include adding a CB radio, side car, trailers so that they can tow luggage on a long trip or even custom paint jobs to represent their personality.

While these may seem like upgrades to the bike owner, the insurance company doesn’t see those things as adding value to the motorcycle. What this means is that if you are in an accident and your custom paint job is ruined, your insurance isn’t going to reflect the price of that custom paint job unless you have custom parts and accessory coverage.

Many insurance companies offer a minimal amount of custom parts and accessory coverage if you purchase comprehensive insurance. However, this amount is typically $500 to $1000. If you have done some serious work to your motorcycle, then you should consider purchasing additional custom parts and accessory coverage.

This motorbike insurance is much like collision or comprehensive insurance, meaning that you should only purchase enough coverage to pay for the cost of your upgrades and no more.

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Speaking of comprehensive insurance, this is an important element for motorbikes because they are the most stolen vehicles in the entire world. This is part of the reason that motorbike insurance can be more expensive than other types of insurance.

Comprehensive insurance is the insurance that will cover your loss if your bike is stolen or damaged. Damage can include acts of vandalism or acts of nature.


Medical insurance is simply PIP or personal injury protection. This is the insurance that covers your medical costs in an accident. If you have private health insurance, then this insurance isn’t necessary and making a medical claim on your motorbike insurance will cause your rates to increase exponentially.

Does motorbike insurance cost more than car insurance?

The cost of your motorbike insurance depends on what type of bike you own. A Harley Cruiser will more expensive to insure than a Honda Scooter. The reason for this is that the more power your motorbike has, the higher the risk is that you will have an accident.

Sports bikes tend to be more expensive to insure because the assumption is that you will be racing your bike, or at least going very fast on it. Scooters and mopeds tend to be the cheapest to insurance, with some insurance companies charging as little as $400 a year to cover these types of motorbikes.

The cost of your motorbike insurance will also be affected by many of the same things that car insurance is affected by. Things like your driving record, age, type of vehicle, safety features and so on can all negatively or positively affect your rates.

The discounts available for motorbike insurance are not as extensive as they are for auto insurance. For example, having good grades or being a college graduate has no effect on your total premiums.

Motorbike insurance tends to be more expensive in general because of the lack of protection surrounding a person on a motorbike. When you have an accident on any motorbike, the only protection that you have are the cloths you are wearing.

You have to consider the fact that when a person on a motorbike has an accident, it is far more common for them to sustain serious injuries than it is for them to walk away without a scratch. As such, insurance companies have to charge you for the high risk involved.

Regardless, if you remain accident free and maintain a good driving record, your motorbike insurance rates will not be outrageous. However, in states like Florida where there are no helmet laws, expect your motorbike insurance to be much more expensive.

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Where do I buy motorbike insurance?

You will buy motorbike insurance at the same place you would buy car insurance; although not every car insurance company sells motorbike insurance. In addition, there are companies that specialize only in motorcycle insurance and don’t sell other types of insurance at all.

Interestingly, the cost of motorbike insurance will be more expensive if you use a niche service because their risk pool is higher. This means that since all they insure are people on motorcycles the risk for their drivers is remarkably high. When you choose a company that sells other types of insurance, the pooled risk is much lower, which equals a savings for you.

Comparing insurance rates is the best way to ensure that you buy insurance from a company that offers the best rates. To do this, you simply answer a few questions and then you are shown quotes from several companies based on the information that you have provided.

It is important that you provide accurate information as you quote will be a direct result of this information. Once you have selected an insurance company for your motorbike insurance, all you need to do is click on their website link and you will be redirected to their website.

You can get started comparing motorbike insurance quotes by entering your zip code and accessing our free quote tool now!