Cheapest Auto Insurance for Sport Bikes in 2025 (Save Money With These 10 Companies)

The top overall pick for the cheapest auto insurance for sport bikes is Erie, followed closely by USAA and State Farm. These companies offer tailored coverage, outstanding service, and flexible options, making them the top choices for sport bike owners.

With monthly rates starting as low as $22, Erie stands out as the most affordable option, providing comprehensive coverage at a competitive price. USAA excels in customer service, particularly for military service members, while State Farm offers tailored coverage options to suit individual needs.

Our Top 10 Company Picks: Cheapest Auto Insurance For Sport Bikes

Compare quotes now to find the best coverage for your sport bike and ride with peace of mind. Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

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#1 – Erie: Top Overall Pick

Pros

• Competitive Rates: Erie insurance review & ratings reveal offering some of the most competitive and lowest bike insurance for sports rates in the market.
• Safe Rider Discount: With a potential discount of up to 15% for safe riders, policyholders can enjoy significant savings.
• Sports Bike Discount: Erie provides a generous sports bike insurance discount of up to 20%, making it an attractive option for motorcycle enthusiasts.

Cons

• Limited Availability: Erie’s insurance services may be limited to certain regions, potentially excluding some customers.
• Coverage Options: While customizable, some customers may find Erie’s coverage options are not as diverse as those offered by other competitors.

#2 – USAA: Best for Exemplary Customer Service

Pros

• Customer Service: USAA insurance review & ratings is renowned for its exceptional customer service, providing a positive experience for policyholders.
• Safe Rider Discount: Offering a discount of up to 10% for safe riders, USAA promotes and rewards responsible riding habits.
• Sports Bike Discount: With a sports bike discount of up to 15%, USAA remains cost-effective for motorcycle enthusiasts.

Cons

• Membership Requirements: USAA is only available to military members, veterans, and their families, limiting accessibility.
• Limited Physical Presence: USAA primarily operates online and over the phone, which may be a drawback for those who prefer face-to-face interactions.

#3 – State Farm: Best for Tailored Coverage Options

Pros

• Customizable Policies: State Farm insurance review & ratings  stand out for offering highly customizable policies, allowing riders to tailor coverage to their specific needs.
• Safe Rider Discount: Policyholders can enjoy a discount of up to 12% for maintaining a safe riding record.
• Sports Bike Discount: A sports bike discount of up to 18% makes State Farm a cheap sports bikes choice for motorcycle enthusiasts.

Cons

• Premium Costs: While customizable, some riders may find State Farm’s premium costs to be relatively higher compared to other competitors.
• Online Presence: The online interface may not be as intuitive or user-friendly as some customers might prefer.

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#4 – Progressive: Best for Forgiving Policies

Pros

• Accident Forgiveness: Progressive insurance review & ratings offers an appealing feature of accident forgiveness, providing peace of mind for riders.
• Sports Bike Discount: With a substantial sports bike discount of up to 25%, Progressive caters to the budget-conscious motorcycle community.
• Safe Rider Discount: Riders with a clean record can benefit from a safe rider discount of up to 20%.

Cons

• Higher Premiums for Young Riders: Younger riders may face higher premiums with Progressive, potentially making it less competitive for this demographic.
• Limited Local Agents: Progressive’s focus on online services may be a disadvantage for those who prefer in-person interactions with local agents.

#5 – American Family: Best for Multi-Policy Discount

Pros

• Multi-Policy Discounts: American Family encourages bundling with multi-policy discounts, providing cost savings for customers with multiple insurance needs.
• Sports Bike Discount: Offering a sports bike discount of up to 22%, American Family remains a low price bike insurance option for motorcycle enthusiasts.
• Customizable Coverage: American Family insurance review & ratings excel as policyholders can tailor their coverage, ensuring that they only pay for the protection they need.

Cons

• Limited Availability: American Family may not be available in all regions, limiting accessibility for potential customers.
• Average Customer Service: While satisfactory, American Family’s customer service may not be as exceptional as some competitors.

#6 – Nationwide: Best for Bundle and Save

Pros

• Bundling Discounts: Nationwide offers significant savings through bundling, making it an attractive option for customers with multiple insurance needs.
• Sports Bike Discount: A sports bike discount of up to 20% caters to motorcycle enthusiasts seeking affordable coverage.
• Safe Rider Discount: Nationwide insurance review & ratings highlight rewards safe riders with a discount of up to 15%, promoting responsible riding habits.

Cons

• Premiums for Young Riders: Younger riders may face higher premiums with Nationwide, potentially making it less competitive for this demographic.
• Limited Local Agents: Nationwide’s reliance on online services may not suit customers who prefer face-to-face interactions with local agents.

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#7 – Esurance: Discounts Galore

Pros

• Various Discounts: Esurance offers a variety of discounts, providing opportunities for customers to maximize their savings.
• Sports Bike Discount: With a sports bike discount of up to 17%, Esurance remains a cost-effective choice for motorcycle enthusiasts.
• Online Convenience: Esurance insurance review & ratings boast its online platform ensures convenient policy management and accessibility.

Cons

• Limited Coverage Options: Esurance’s coverage options may be somewhat limited compared to other competitors.
• Customer Service Reviews: Some customers have reported mixed reviews regarding Esurance’s customer service, highlighting room for improvement.

#8 – Farmers: Best for Tailored Needs

Pros

• Customizable Coverage: Farmers allows policyholders to customize their coverage, ensuring they get the protection they need.
• Sports Bike Discount: With a sports bike discount of up to 19%, Farmers remains competitive in the motorcycle insurance market.
• Additional Coverage Options: Farmers insurance review & ratings highlight offering a variety of additional coverage options, allowing riders to enhance their protection.

Cons

• Premium Costs: Some customers may find Farmers’ premium costs to be relatively higher compared to other competitors.
• Online Interface: The online interface may not be as user-friendly or intuitive as some customers might prefer.

#9 – Allstate: Best for Deductible Rewards

Pros

• Vanishing Deductible: Allstate insurance review & ratings underscore its vanishing deductible feature rewards safe riding behavior over time, providing potential cost savings.
• Sports Bike Discount: Offering a sports bike discount of up to 21%, Allstate remains competitive for motorcycle enthusiasts.
• Customizable Coverage: Allstate allows policyholders to customize their coverage, ensuring it meets their specific needs.

Cons

• Higher Premiums: Owners of high-performance bikes may face higher premiums with Allstate, potentially making it less appealing for this demographic.
• Mixed Customer Reviews: Some customers have reported mixed experiences with Allstate’s customer service, indicating room for improvement.

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#10 – Liberty Mutual: Best for Convenient Online Management

Pros

• Online Convenience: Liberty Mutual emphasizes online convenience, providing policyholders with easy access to their accounts and services.
• Sports Bike Discount: With a sports bike discount of up to 16%, Liberty Mutual remains cost-effective for motorcycle enthusiasts.
• Mobile App: Liberty Mutual review & ratings accentuate its user-friendly mobile app interface offering convenient policy management on the go.

Cons

• Limited Local Presence: Liberty Mutual’s physical presence may be limited in certain regions, affecting the availability of in-person support.
• Average Discounts: While competitive, Liberty Mutual’s discounts may not be as extensive as some competitors in the market.

Sport Bike Insurance Costs Explained

How much is sport bike insurance? For riders navigating the world of insurance for sports bikes, striking a balance between cost and coverage is paramount. In this section, we explore the average monthly auto insurance rates for the cheapest options, dissecting the specific coverage rates offered by leading insurance providers for both minimum and full coverage plans.

Examining the table of average monthly auto insurance rates for sports bikes, it’s evident that riders have a range of options to choose from based on their coverage needs and budget constraints. The minimum coverage rates, which represent the basic protection required by law, vary among the listed insurance providers.

Sports Bike Auto Insurance Monthly Rates by Coverage Level & Provider

Erie and USAA stand out as the most affordable, offering minimum coverage at $22 per month. State Farm follows closely with a minimum coverage rate of $33, providing a slightly higher baseline of protection.

For riders seeking more comprehensive coverage, the full coverage rates are essential to consider. Progressive, at $105 per month, and American Family, at $117 per month, present relatively affordable options for riders desiring additional protection beyond the legal minimum.

However, it’s noteworthy that Farmers, with a full coverage rate of $139, offers a more extensive coverage package at a competitive rate.

Liberty Mutual and Allstate demonstrate higher full coverage rates, with Liberty Mutual charging $174 and Allstate at $160 per month. While these rates may seem elevated, riders must weigh the additional benefits and coverage provided by these companies against the increased cost. It’s vital to always know how much is insurance for a sport bike and its coverage.

Understanding Motorcycle Insurance

Do you need insurance for a sport bike? 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

Insurance companies consider these factors to assess the risk and determine your premium. Ensuring adequate coverage will protect you financially in case of an accident or theft.

Another similarity between motorcycle and auto 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.

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Cheapest Sport Bikes to Insure

Generally, the cheapest sport bike to insure depends on their lightweight class. Cheap sport bikes in the lightweight category often include models like Honda CBR250R, Honda CBR300R, Kawasaki Ninja 250R and 300, Yamaha YZF-R3, and Yamaha KTM RC390. People often cite lightweight sport bikes — like those listed — 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 ones are the cheap bikes 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.

Know more information on “Will Auto Insurance rates increase after an accident?“.

Top Picks for 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, and 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. You must find ways on how to lower your auto insurance premium through discounts.

Affordable Sport Bike Insurance: Your Guide to Savings

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 auto insurance companies offering a discount for bundling auto and motorcycle coverage.

Auto and Motorcycle Insurance Bundle Availability by Provider

Another great way to lower your monthly rates for motorcycle insurance is to shop and compare sport bike insurance quotes from different companies. When finding and 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.

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Motorcycle Insurance Discounts: What You Need to Know

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.

How to Obtain an Online Quote for Your Sport Bike

Obtaining an online quote for your sport bike insurance is a straightforward process that can be completed in just a few simple steps:

1. Visit the insurance provider’s website. Go to the website of the insurance companies you are interested in.
2. Navigate to the quote page. Look for a section on the website that allows you to get a quote. This is usually prominently displayed on the homepage or can be found under the “Get a Quote” or “Insurance Quotes” section of the website.
3. Enter your information. You will typically be asked to provide information such as your name, address, date of birth, and details about your sport bike, including make, model, and year.
4. Customize your coverage. Choose the type of coverage you want for your sport bike, such as liability, collision, and comprehensive coverage.
5. Review your quote. Once you have entered all the necessary information, you will be presented with a quote for your sport bike insurance. Take the time to review the coverage options and make sure they meet your needs.
6. Finalize your policy. If you are satisfied with the quote, you can finalize your policy and purchase your sport bike insurance directly through the website.

By obtaining multiple quotes from different insurance providers, you can compare coverage options and find the best policy for your needs and budget. Remember to review the terms and conditions of each policy carefully to ensure you understand what is covered.

Additionally, consider reaching out to an insurance agent for personalized assistance in finding the right coverage for you. With the right sport bike insurance policy in place, you can enjoy the thrill of riding knowing that you are protected against unexpected events.

Case Studies: Auto Insurance on Sport Bikes

In today’s dynamic world, having the right insurance coverage can make all the difference, especially in unexpected situations. Here are five case studies showcasing how different insurance providers rose to the occasion, offering tailored solutions to their clients’ unique needs.

• Case Study 1 – The Unforeseen Adventure: Jennifer’s sport bike broke down during a cross-country trip. Erie Insurance’s comprehensive coverage covered repair costs and towing expenses, showcasing the importance of reliable coverage during unexpected situations.
• Case Study 2 – The Military Deployment: David, a military service member, faced sudden deployment and needed insurance flexibility. USAA’s exemplary customer service and accommodative coverage adjustments provided David with peace of mind during challenging times. Explore more on our “Top Auto Insurance Providers for Veterans“.
• Case Study 3 – The Customized Adventure: Adventure-seeker Alex sought tailored coverage from State Farm for a unique motorcycle tour. State Farm’s flexibility and collaboration in crafting a coverage plan aligned with the adventurous nature of the trip.
• Case Study 4 – The Learning Curve: New rider Jason experienced a minor accident while navigating the learning curve. Progressive’s understanding of the challenges faced by new riders contributed to a positive insurance experience.
• Case Study 5 – The Multi-Vehicle Enthusiast: Sophie streamlined insurance coverage through American Family’s bundling options. The case study illustrates the convenience and financial benefits of bundling for multi-vehicle enthusiasts.

These case studies demonstrate how different insurance providers cater to the unique needs of their clients, offering tailored solutions and support during unexpected situations. Whether it’s comprehensive coverage, flexibility during challenging times, or bundling options for multi-vehicle enthusiasts, reliable insurance can provide peace of mind in any situation.

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Sport Bikes and Insurance: The Bottom Line

Finding affordable and reliable insurance coverage for your sport bike is essential for peace of mind while riding. By comparing quotes from different insurance providers and exploring various coverage options, you can ensure that you get the protection you need at a price that fits your budget.

Remember to consider factors such as the reputation of the insurance company, the level of coverage offered, and any available discounts when making your decision. With the right insurance policy in place, you can hit the road with confidence, knowing that you are protected against unexpected events. Discover more on “Where can I buy custom built motorcycle insurance?“.

Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.

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