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 Daniel Walker

UPDATED: Apr 3, 2022

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Motorcycle riders will agree, there’s nothing like going for a ride on the open road. You will be able to find quite a few companies willing to extend you motorcycle insurance coverage, but how much you pay will depend a lot on you and your lifestyle. Riding a motorcycle is considered riskier that operating a car, so if you want to save money on quotes you will need to what the insurance companies will be looking at.

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Most insurance companies will consider the same factors that then would when providing standard vehicle coverage as they do for motorcycle insurance. Younger drivers should expect to pay more, as will males, unmarried individuals and people with a recent history that includes numerous accidents.

Motorcycle Insurance Comparison – Which Companies Will Cover You

As much as your personal history will be considered before an insurance company will provide you with a motorcycle insurance quote, the age, type and overall safety rating of your motorcycle itself will be analyzed. A newer motorcycle won’t necessarily viewed more positively if it has ‘cranked up’ and made to go at a faster rate of speed in a shorter period of time. At the same time, an older but well kept motorcycle driver by a person with a good history of safe riding will definitely get the cheapest of motorcycle insurance quotes.

In general, fast motorcycles, also known as ‘racing’ bikes will be very expensive to insure.

Since the main selling point of these motorcycles is to encourage motorists to ride along roads at high rates of speed, insurance companies see this as a red flag that will cause you to pay more in monthly premiums. If a driver with a less that exemplary driving abstract also owns a racing bike, a number of insurance companies will outright refuse to provide coverage.

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Your Neighborhood Counts – Motorcycle Insurance Comparison

motorcycle insurance comparisonUnlike a standard automobile, motorcycles can be more easily stolen if the proper precautions are not taken. Insurance providers will take a look at your neighborhood as a whole, then consider the:

  • Crime rate
  • Safety of your home
  • Past instances of motorcycle thefts in your area

Before getting a motorcycle insurance quote, you should make sure that your motorcycle is protected by some type of security alarm as well as other anti-theft devices. In other words, you want to make sure that your insurance company knows that you are serious about keeping your bike safe.

Other factors that include where your workplace is located will be considered before an insurance company will give you motorcycle coverage. They will also look at whether you only ride your motorcycle for recreational activities, or if it is your only means of transportation. The distance between your home and workplace will be examined, along with the roads and highways you normally take before a decision is made.

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Safety Risk Assessment – Motorcycle Insurance Comparison

motorcycle driversDifferent insurance companies will give you different quotes depending on how safe of a motorcycle driver you prove yourself to be. First and foremost, while some states deem that driving with a helmet is optional, note that insurance companies do not look upon this kindly. As riding without a helmet is an extremely high risk activity, don’t be surprised if coverage altogether is denied if you don’t use one. The same goes for occasional passengers and secondary riders.

If you become involved in a motorcycle accident and it is found that you were not wearing a helmet, many insurance companies will immediately terminate coverage. This is done because many fatalities each year are attributed to motorcyclists who ride without helmets.

Insurance providers will also rate other factors in your life, including but not limited to:

  • Occupation – If you are a lifestyle thrill seeker, many companies may opt not to provide coverage. Skydiving instructors and weapons handlers may not have an easy time getting motorcycle coverage.
  • Age – Perhaps the biggest factor that insurance companies will consider is your age. Young and inexperienced drivers will be heavily penalized for a lack of driving history.
  • Gender – Unfortunately, men have statistically been shown to take many more driving risks and are more prone to aggressive driving maneuvers.

Sometimes, an insurance company will provide coverage to high-risk drivers at much higher rates, but too many factors will keep any company from giving you a motorcycle insurance policy.

If this happens, you can always attempt to remove or correct one or more risk factors and then attempt to get a motorcycle insurance policy again in the future. While it may be frustrating to learn that you may pay more to get coverage for your motorcycle, being fully covered will allow you to ride with peace of mind.

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