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 The Cost Of Motorcycle Insurance Different If You Wear A Helmet

The cost of motorcycle insurance is not different if you wear a helmet; even if your rate of survival is. Essentially you will find that there is some difference in the cost of motorcycle insurance in states where helmet use is mandatory versus those where it is not.

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Often prices are more affordable in those states with mandatory helmet laws. If your state does not require you to wear a helmet, but you do, it will not save you on your coverage costs.

Understanding the Different Types of Motorcycle Insurance

Much of the motorcycle insurance coverage that you will need to carry is similar to car insurance. In fact, depending on the state you may be required to carry the same limits of coverage that you would if you were insuring a car. Considering the risk of serious accidents for motorcyclists, it makes sense to carry good motorcycle insurance.

  • Bodily injury liability and property damage liability are two of the most common types of motorcycle insurance that people are required to carry. It is to protect others from damage or injuries you may cause in the use of your bike. Be sure to be familiar with the requirements of your state concerning this type of coverage and carry at least the required minimums.
  • Collision and comprehensive coverage are your personal property protection. Collision will pay for the damage or loss of your bike in at at-fault accident. Comprehensive insurance will pay for damages or loss to your bike through other perils such as fire, theft, vandalism, storm damage or animal collision.
  • If you are concerned about medical costs for yourself and your passengers in the case of an accident, you need to carry the sometimes-mandatory medical payments coverage. Also known as Personal Injury Protection or no-fault insurance, this type of coverage pays out regardless of who is at fault in an accident.
  • Uninsured motorist/underinsured motorist coverage is another type of coverage that works the same as it does for car insurance. It essentially provides for your medical expenses in a case where the driver at fault is underinsured or has no insurance at all.
  • Accessories coverage is one area of motorcycle insurance that is different than car insurance. This basically provides coverage for the enhancements that you have added to your bike. These include saddlebags, chrome pieces, seats, CB radios and backrests. This coverage can be purchased for different limits depending on the value of your accessories.

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The Things that Affect the Cost of Motorcycle Insurance

There are many things that affect the cost of motorcycle insurance. They include personal information about the owner of the bike, such as his or her age, driving record, experience driving and where the bike will be used. If it is being driven in a city, rates will be higher than if it were being used in a rural area. In the south, where motorcycles can be ridden year round, prices often reflect that. Up north, most bike owners get a break on coverage in the winter through “lay-up policies.”

The motorcycle itself affects the cost of the insurance. If the bike is extremely powerful or sporty, it will be more costly to insure. If the actual replacement cost of the bike is very high, this will also cause motorcycle insurance to be more costly, especially for collision and comprehensive coverage. The number of miles you put on your bike each year will also affect the premium.

Available discounts also affect the cost of motorcycle insurance. Each company is different so you will find that not all offer the same discount. In fact, it’s these differences that make it so important to shop around for the best price. Discounts are often given to riders who:

  • Are more mature (read older)
  • Have completed a motorcycle safety course
  • Have good driving record; are a member of certain groups
  • Insure more than one bike on the same policy
  • Insure their car with the same company
  • Opt for certain payment methods

Get Motorcycle Insurance Quotes Now

The key to getting a good price on your motorcycle insurance, regardless of whether or not you wear a helmet, is to shop around getting a variety of price quotes and compare them carefully. The most efficient way to shop around for motorcycle insurance is to use a free online quote tool. You provide the answers to a variety of questions and the tool does all the work for you, providing you with easy to compare quotes in no time.

Get started comparing motorcycle insurance rates by entering your zip code right now!