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 Daniel Walker

UPDATED: May 11, 2022

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.

The Lowdown on cheap sport bike insurance.

  • Sport bikes with less power generally cost less to insure
  • Many factors contribute to monthly insurance rates for a sport bike, including how fast it can go, how often you drive it, and how old it is
  • You can lower your motorcycle insurance rates by shopping around

But what happens if you get in an accident on your motorcycle and don’t have proper insurance? How will you handle repair costs and medical bills associated with your accident? Like auto insurance, it is imperative to carry motorcycle insurance coverage.

Some people want their dream sport bike, but it might cost a lot of money to insure adequately. So if you’re shopping for your next motorcycle and don’t know what kind you’ll choose, you may want to purchase one of the cheapest sport bikes to insure.

Enter your ZIP code to compare insurance quotes now!

What is motorcycle insurance?

Motorcycle insurance is just like auto insurance, but it applies to your motorcycle. If you drive a sport bike or hope to get one soon, you will need to carry motorcycle insurance on your bike.

Insuring a sport bike is similar to insuring a car or other vehicle. The type of sport bike you drive will impact your insurance rates, as will several factors, including:

  • The sport bike’s age
  • The sport bike’s top speed
  • How often you drive your sport bike
  • Your driving record
  • Your credit score

Another similarity between motorcycle and car insurance is the different coverage options. Motorcycles must carry a certain amount of liability coverage, but motorcycle owners can also choose many additional coverage options, such as:

  • Comprehensive coverage
  • Collision coverage
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist coverage
  • Motorcycle transport trailer coverage
  • Equipment coverage

If you combined all the above coverages with your liability policy, you could pay a lot each month for motorcycle insurance. Therefore, it’s important to decide what matters most to make coverage choices that fit your budget.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

How much is sport bike insurance?

Insuring your sport bike should be a fairly simple process. You can find and compare quotes from companies online to see which companies offer the coverage you need at a price you can afford. 

The cost of sport bike insurance varies significantly from one bike to the next. If you shop for the cheapest sport bikes to insure, your coverage should be fairly low. However, if your sport bike is new and fast, your monthly rates may surprise you..

The average cost for motorcycle insurance in the U.S. is around $735 per year, but this varies by state. For example, the average annual cost for motorcycle insurance in Florida is around $950, while the average annual cost in California is more than $1,800.

Which sport bikes are the cheapest to insure?

Generally, the lightweight class of sport bikes are the cheapest to insure. Cheap sport bikes in the lightweight category often include models like:

  • Honda CBR250R
  • Honda CBR300R
  • Kawasaki Ninja 250R and 300
  • Yamaha YZF-R3
  • Yamaha KTM RC390

People often cite lightweight sport bikes — like those listed above — as great for beginner bikers. These bikes tend to max out at around 500cc, so they have less power and speed than other sport bikes.

One major reason lightweight sport bikes are cheaper to insure is that they are less dangerous. A bike with less power or speed is at lower risk for damage or serious injury, meaning it costs less to cover with an insurance company.

What are the most expensive sport bikes to insure?

As sport bikes get nicer, newer, and more powerful, they cost more to insure. Some of the most expensive sport bikes to insure often include:

  • Yamaha R1
  • Kawasaki ZX-10R
  • Honda CBR1000RR
  • Ducati Panigale
  • BMW S1000RR
  • Suzuki Hayabusa
  • Honda Blackbird
  • Kawasaki ZX14-R
  • BMW K1200R
  • Kawasaki H2

The bikes listed above max out at around 1,000cc or more. They are fast and powerful, and people who own these bikes will often pay more for insurance coverage than someone with a lightweight bike. 

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Can I find cheap sport bike insurance?

If you own a sport bike and need insurance, you may be wondering whether you can find cheap coverage rates that still protect you on the road. You can do a few things to find lower rates for sport bike insurance.

A sport bike owner who also owns and insures a car may find that auto insurance companies offer discounts for bundled policies. If you insure your car and sport bike with the same insurance company, you may get a significant rate discount.

The table below shows different car insurance companies offering a discount for bundling auto and motorcycle coverage.

Car Insurance Companies That Offer Auto and Motorcycle Insurance Bundle Discounts
CompanyAuto & Motorcycle Bundle Discount
AllstateUp to 10% on auto, up to 30% on motorcycle
American FamilyUp to 5%
GEICOVaries for auto, up to 5% off Motorcycle
Liberty MutualUp to 5%
State FarmVaries

Compare RatesStart Now →

Another great way to lower your monthly rates for motorcycle insurance is to shop and compare quotes from different companies. When comparing quotes from several insurance companies, you can see available coverage options and your estimated monthly rates.

As you shop and compare quotes, make a note of any company that initially offers you a cheap rate. You can call each company individually and speak with an agent about your quote. You may be eligible for additional discounts to lower your final insurance rates even more.

Do insurance companies give discounts for motorcycle insurance?

Besides the bundling discount mentioned above, insurance companies don’t offer as many discounts to motorcycle owners as car owners. Still, some insurance companies offer small discounts for safety-related reasons.

If you store your sport bike in a garage, you could get a discount on coverage, especially if you carry comprehensive coverage on your bike. Storing your motorcycle in a garage protects it from theft, vandalism, and weather damage, reducing the insurance company’s risk of covering it.

You may also get a discount on insurance coverage if you use safety devices on your bike, such as an anti-theft device. Since these mechanisms make it less likely for someone to steal your motorcycle, you could pay less for coverage.

Insurance companies often offer small discounts to sport bike owners who take a safe driving course. Maneuvering a motorcycle is difficult, so companies incentivize policyholders to take a safety course by offering a discount upon completion.

Lastly, you could join a motorcycle club. In certain instances, insurance companies offer lower rates to motorcycle owners who join local or national organizations focused on safe riding and riding in groups.

Sport Bikes and Insurance: The Bottom Line

If you own a sport bike, it’s important to carry motorcycle insurance. You may find that insurance for your sport bike is cheap, especially if you have a lightweight bike. 

If you have expensive insurance rates for your sport bike, you could find lower rates with another company or take advantage of one or more discounts to reduce your insurance rates.

Type your ZIP code into the box and get motorcycle insurance quotes to compare today!