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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worst motorcycle drivers by state

Purchasing a motorcycle insurance policy can aid you in protecting your bike and accessories in the event of a covered loss. Prior to obtaining motorcycle insurance quotes, it’s imperative to evaluate costs and coverage. Both cycle rates and coverage differ extensively by insurance company, agent and broker.

Start by entering your zip code to compare online insurance quotes now!

Knowing what motorcycle insurance covers, and the average cost, will help you determine the best deal.

Online Motorcycle Insurance Coverage

Cycle insurance price quotes may include coverage for motorcycles, dirt bikes, scooters, ATVs, and more. Average motorcycle insurance cost is largely related to the type of the motorcycle body it has, as well as the driving history of the primary owner and operator.

  • Liability-only insurance is available for purchase from specific insurance agents and companies. This kind of policy will cost significantly less money, when compared to a comprehensive policy, but it’s important to remember that the coverage you will receive is also significantly less, as well.
  • Comprehensive-For complete coverage, the way to go is a Comprehensive-Liability-Collision insurance policy. This provides riders a complete coverage, and is considered the best policy offered to safeguard cycle and rider.
  • Replacement- To ensure the ease with which you can replace your motorcycle in the event of a total loss, be sure to purchase replacement cost insurance coverage because this will pay to replace a motorcycle in this type of situation. However, this type of coverage is not is not included in a regular quote, and therefore isn’t part of the regular policy. Rather, it has to be requested, and can be added on later to the policy for extra protection.

Often times a motorcycle policy will provide more of a pay out for the bike’s accessories than the bike itself, in the event of a legitimate loss. That said; consider increasing your coverage to pay for accessories and other potentially costly items. For example, helmets and other “safety” items, as well as services, such as trip interruption, emergency road, and towing. Check with your agent or insurance company to obtain more information on this type of coverage.

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Compare Online Motorcycle Insurance Discounts

Motorcycle insurance costs can be reduced if you have a policy that’s free of claims. Insurance companies provide discounts for drivers who are older and more experienced in the form of a “mature driver” discount. However, this type of discount varies between companies.

What’s more, most insurance companies will provide constant renewal on an old policy. Additionally, if you complete a safety course on motorcycle riding, many firms will offer additional discounts. Furthermore, if you insure more than one cycles on the same policy, you could qualify for a multi-bike discount.

Before obtaining online motorcycle insurance prices, it’s important to understand both requirements, as well as availability. Of all 50 states, 48 of them call for the purchase of motor cycle insurance. Only Florida and Washington State do not require that riders buy motorcycle insurance. Before obtaining prices, confirm available coverage and discounts with insurance company insurance.

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Best Rates for Online Motorcycle Insurance

Each insurance company has distinctive policies concerning their insurance rate dispensations. In order to locate such discounts, you may need to conduct some research, and ask various insurance companies about potential discounts and incentives.

Should you search, you will qualify for many of the following types of discounts if you:

  • Complete an official motorcycle safety course
  • Own a home
  • Have a LoJack anti-theft system
  • Have a driving record clean of at-fault claims/accidents
  • Pay the policy off at once, rather than in installments
  • Consistently pay your bills on time each month
  • Consistently wear a motorcycle helmet
  • Have more than one cycle needing insurance
  • Possess a clean driving history, free of violations or accidents for a specific period of time
  • Ride a specified limited number of miles each year
  • Own/ride a cruiser-type motorcycle, rather than a faster, more powerful sport cycle
  • Obtain a multi-policy discount for having more than one type of policy with the same insurance company
  • Switch from one company to another, and get a transfer discount
  • Belong to a nationally-recognized motorcycle organization, such as the Motorcycle Touring Association, the Gold Wing Road Riders Association, or the American Motorcycle Association.

Compare Online Motorcycle Insurance Rates

Additionally, you can save money on your policy by comparing various insurance quotes. Each and every provider assigns various insurance prices, depending on individual situations. It’s a numbers game: The more prices compared, the better the chances are of locating a reasonably priced rate that fits your financial needs.

To compare online motorcycle insurance quotes, enter your zip code here!