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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Is Motorcycle Insurance More Expensive Than Car InsuranceSince you may only pay for your liability and hospital insurance, motorcycle insurance can be less expensive than auto insurance which averaged about $130 per month in the US in 2010. Motorcycle insurance policies range anywhere from $50 to $500 each month.

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There are many factors you will want to consider as you decide on what kind of insurance to get for your motorcycle. There are also coverage options that you may want to add onto your policy, so they are worth thinking about as you decide.

Even these types of additions to your coverage will still make your motorcycle insurance policy less expensive than your car insurance policy, and will also mean that you have more adequate coverage.

What are your insurance needs?

The first thing to think about is how often and where you will use your motorcycle:

  • Do you live in an area that will make it hard for you to drive your motorcycle during the winter months?
  • Are you planning on just taking it for a “joy ride” every week or month or so?
  • Do you plan to use your motorcycle as your main vehicle?

As a general rule, the more you plan on using the motorcycle, the more comprehensive coverage you should also plan on getting. Of course, this will raise your rates.

Back to the topic of winter: will you be using your motorcycle during the winter months? If not, then you can consider getting a “lay up” policy during this time, which will only provide you with the basic coverage, meaning you can suspend the comprehensive portion of your policy for this time. (You will just need to remember to call your agent once the driving season picks up again, so that you can get your comprehensive coverage reactivated!)

If you are planning on having other people either drive your motorcycle or ride on it with you, then you will need to make sure that you have enough coverage to cover the extra drivers as well as enough liability insurance for your passengers.

The main thing to really remember about motorcycle insurance is that it is relatively inexpensive compared to most car insurance simply because motorcycles do not generally do as much damage to cars as cars do to either other cars or motorcycles. However, motorcyclists need to have more liability and hospitalization insurance simply because it is so much easier to get injured while on a motorcycle.

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What type of motorcycle do you need to insure?

The cost of your motorcycle insurance policy will depend on a number of factors, including the ones listed above. In addition to these, the insurance company will also consider what kind of cycle you are driving. For example, a smaller motorcycle will likely be less expensive than its higher horsepower-counterpart. Likewise, a cheaper motorcycle is less to insure than a more expensive motorcycle. Custom built motorcycles have special insurance needs too.

How do I control or reduce my motorcycle insurance rates?

Rates really vary, however, from bike to bike—the difference can be five to ten times. A small or commuter kind of motorcycle can have an annual policy of a few hundred dollars, while a sports bike can cost a thousand or more.

You can minimize your policy by carefully considering which options to add on to your policy. If it is more inexpensive motorcycle, consider opting out of collision or comprehensive coverage to replace it. (If you are still financing the motorcycle, however, your lender will most likely require you to have comprehensive coverage until you have paid for the bike in its entirety.)

If you already have a very good health and medical insurance, then you may not want to have medical coverage included in your policy. This kind of health care coverage is always secondary to any other policy you have, anyway, so it might very well be worth it for you to first carefully analyze your present medical policy.

The Bottom Line for Insuring a Motorcycle

Motorcycle insurance does not have to break your bank account, but if you want to get a motorcycle then you will need to make sure that you have an insurance policy that takes care of what you need it to take care of. If you already have car insurance or home insurance, consider seeing what kind of rate they may give you to add on a motorcycle policy. It may still be in your best interest to purchase a new policy, however.

Use our free online quote tool that can quickly provide you many rates for what you are looking for. Then, compare those quotes and companies to each other as well as to any local quotes you may have gotten, in order to find the best possible option.

Enter your zip code now and you’ll be rewarded with several free motorcycle insurance quotes immediately!