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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How do I reduce motorcycle insurance rates?

If your goal is to reduce motorcycle insurance rates, you have some options available. One is to maintain a clean driving record, since this is a factor that every insurance company is going to consider when you apply for coverage.

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You may want to consider making changes to the level of coverage you have and the terms of the policy. A third way to keep these costs down is to ask about discounts that may be available to you.

Driving Record and Motorcycle Insurance Rates

When you apply for any type of auto insurance coverage, the provider is going to pull your driving record. Insurance companies look at a person’s history and use it to predict future behavior. If you have been involved in one or more accidents or you have on your record, you can expect to pay more for your coverage.

You can’t do anything about your driving history, but you can take steps to improve your record going forward. If you haven’t done so, enroll in an approved motorcycle course and let your insurance company know when you have completed it. Even if you have been driving a bike for some time, the program can help you to improve your skills on the road. The insurance company may even offer a discount on your premium rates to customers who have taken a course for new drivers or a refresher program.

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Change Your Coverage Options

You will need to buy at least the minimum level of coverage required by the state where you live. Bodily injury liability and property damage insurance must be in place in most parts of the United States.

The bodily injury liability protects the occupants of another vehicle if you cause an accident, and the property damage coverage pays for the cost of repairing the other driver’s vehicle and any objects that were hit, such as mail boxes, sign posts, fences and sheds. You can save money by limiting the level of protection you have, but you need to be careful about doing so. Any damages owing above the policy limit are your personal responsibility.
Motorcycle owners may not be required to buy collision and comprehensive coverage, depending on the jurisdiction. If the bike has been financed, the company holding the loan may insist on this coverage being in place until the motorcycle has been paid off.

Once the loan has been paid, you may want to consider dropping this coverage, since it accounts for a significant portion of the amount you pay in premiums. The decision to skip or drop the collision and comprehensive protection makes more sense when the bike is not an expensive model.

You can also save money on the cost of your motorcycle insurance coverage by increasing your deductible. This is the amount you agree to pay out of pocket if you make a claim, and it is paid before the insurance company will pay out on any damages. The higher the deductible, the lower your premiums will be. Be careful not to set this amount higher than you can reasonably afford, though; you don’t want to cause yourself financial hardship after an accident or other type of loss.

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Discounts Available that Reduce Motorcycle Insurance Rates

Another way to keep costs for motorcycle insurance down is to ask your insurance company about available discounts. Here are some that may apply:

  • Multi-policy- If you buy your coverage from the same company that insured your car and/or your home, you should be able to get a multi-policy discount that would apply to all the policies the insurance company has issued. If you own more than one bike, the insurance company will often offer you discount when you insure all of them with the same company.
  • Motorcycle Association- Joining a motorcycle association can also help you to save money on the cost of your insurance coverage. These organizations have negotiated preferred rates with insurers for their members. Before your join, check out the association’s web site or call them to find out if this is a benefit for members. You will also want to do some calculations to make sure that you are still saving money after you take the cost of joining the organization into account.

There are a number of strategies an individual can use to reduce motorcycle insurance rates. A final tip to avoid paying more than you have to for your insurance is to shop around. Each company sets its own rates for coverage, and taking the time to consider several options can help you find the coverage you need at the best price. Compare motorcycle insurance quotes by entering your zip code right now!