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.

Full Bio →

Written by

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

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

How Much Is Motorcycle Insurance

Motorcycle insurance varies greatly from state to state and is dependent on many different circumstances. The average amount you can expect to pay for motorcycle insurance in the United States is $150-200 per month.

Enter your zip code to compare free insurance quotes immediately!

Motorcycle insurance rates can go much lower or much higher and range anywhere from $50 to $500 per month. The following article will further discuss motorcycle insurance and why it can be costly.

Motorcycle Insurance can be Costly Due to the Risk Involved

As the driver of a motorcycle, you are automatically taking on a risk every time you get on the road. Here are some facts that make a difference:

  • A recent report by the United States Department of Transportation states that four times every minute there is a motorcycle accident. Half of these accidents end in death or injury.
  • Motorcycles are more likely to crash in harsh weather conditions and on highways than cars.
  • Statistics also show 80% of motorcycle drivers engage in speeding on a monthly basis.

Even though many motorcycle drivers are safe and reliable drivers, insurance companies must go with what the statistics say when planning their premium costs and coverage. This is also where insurance companies begin to evaluate the type of motorcycle you are driving.

Remember these factors when purchasing a motorcycle:

  • Older models are considered less risky than brand new motorcycles or street bikes. Old models are therefore, cheaper to insure.
  • Besides the year, also taken into consideration are the color, and maker. For example, Hondas are more expensive than Yamahas while Harley Davidsons are more costly than both to insure.

These are all things to consider when deciding what motorcycle you will purchase. If you are getting the bike of your dreams, be sure you can afford the cost of motorcycle insurance that goes with it before you sign the purchase agreement.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Motorcycle Insurance can be Costly Due to Driving History

Driving history has a huge impact on the cost of motorcycle insurance and car insurance alike. The cleaner your record, the lower your rates will be. Any moving violation such as speeding, running a stop sign, failing to signal, or riding too close to another vehicle will add to a negative driving record.

When an insurance company is evaluating an individual for motorcycle insurance, past driving issues will come into play. This includes having defaulted on a previous insurance premium or having driven without any insurance. All of these things have a negative impact on your driving record.

If you have a negative driving record, don’t despair. There are two main ways to help lessen the impact on your monthly motorcycle insurance premium.

  • The first way is time. Most insurance companies only consider moving violations and accidents that occur in the past five years. Some insurance companies will only consider events that have happened over the last three years.
  • The other main way to improve your driving record is to take a defensive driving course.
    Most communities offer defensive driving courses on a regular basis through community centers, police departments, churches, or schools. If you cannot find a free one through one of these options, you can pay to take a defensive driving class. The cost of the class is minimal compared to how much you can save on motorcycle insurance once you graduate from a defensive driving course. Some of these courses are generalized, while others can apply specifically to driving a motorcycle.

Motorcycle Insurance Rates can be Lower When You Shop Around

One of the most effective ways to save money on your motorcycle insurance policy is to shop around. Most of us check at least a couple prices, brands, or stores before making a purchase, especially a large purchase. Why should it be any different with motorcycle insurance? You can shop around in a timely manner by using the online comparison tool. This type of tool is convenient and easily accessible.

Once you enter all of the pertinent information into an online comparison tool, you will rceive rates and quotes from several companies. You can then compare what each company has to offer and how much they charge for the coverage you need. It is important to remember your individual needs such as how many drivers there will be and what you can afford.

Compare online motorcycle insurance quotes by entering a zip code now!