Average Cost of Motorcycle Insurance (2024)

The average cost of motorcycle insurance in the U.S. is $33 per month for a full coverage policy.

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Full coverage motorcycle insurance costs between $10 and $139 per month. The company you choose, where you live, your age and the type of bike you ride tend to have a big impact on your motorcycle insurance rates.

What affects motorcycle insurance rates?

How much is motorcycle insurance by company?

The cheapest bike insurance is from Dairyland, which costs around $22 per month for full coverage.

Progressive and Harley-Davidson also offer cheaper-than-average quotes, at less than $25 per month.

Average cost of motorcycle insurance by company

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Motorcycle insurance from the cheapest company, Dairyland, costs an average of $33 per month less than the most expensive company, Nationwide.

However, there are lots of other things that affect your motorcycle insurance rates. For that reason, it's important to compare quotes from multiple companies to find the cheapest motorcycle insurance for you.

Average cost of motorcycle insurance by company

Monthly rate
Dairyland logo
Progressive logo
Harley-Davidson Insurance logo
Geico logo
Allstate logo
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To find the average cost of motorcycle insurance, ValuePenguin gathered thousands of quotes from major insurance companies across the country.

Rates are for a full coverage policy. They include collision and comprehensive coverage along with higher liability limits than required in each state.

See the full methodology.

How much is insurance for a motorcycle in my state?

The average cost of insurance for motorcycles varies by up to $51 per month from one state to the next.

Kentucky has the most expensive motorcycle quotes in the country, averaging $69 per month for full coverage. Riders in North Dakota have the cheapest bike insurance quotes, with an average of $18 per month.

Average cost of motorcycle insurance by state

Motorcycle insurance may be more expensive in places with high crime rates, more traffic, severe weather or higher accident rates. That's because insurance companies believe riders in these areas are more likely to make a claim in the future.

Average cost of motorcycle insurance by state

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% from U.S. avg.
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States with the cheapest motorcycle insurance

The five states with the most affordable motorcycle insurance rates are North Dakota, Iowa, South Dakota, Maine and Massachusetts. Motorcycle insurance quotes in these states are at least 36% cheaper than the national average.

Monthly rate
North Dakota$18
South Dakota$20
National average$33

States with the most expensive motorcycle insurance

The five most expensive states for motorcycle insurance are Kentucky, Florida, Arizona, Mississippi and Texas. These states tend to have warmer, longer riding seasons. Motorcycle insurance costs at least 39% more than the national average in these states.

Monthly rate
National average$33

If you live in a state with expensive rates, it's even more important to compare quotes to find the cheapest motorcycle insurance in your area.

How much does motorcycle insurance cost by age?

An 18-year-old rider can expect to pay 41% more for full coverage insurance than a 35-year-old.

Young drivers usually pay more for motorcycle insurance because they have less riding experience and are more likely to cause an accident.

Graph showing the average cost of motorcycle insurance by age

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Your insurance rate should go down as you gain experience, as long as you have a clean record. The average motorcycle insurance cost for 21-year-old riders is 20% cheaper than the rate for 18-year-olds. And 35-year-olds pay 11% less than 21-year-old riders.

Motorcycle insurance price by rider age

Monthly cost

How much is bike insurance for sport vs. touring vs. cruiser vs. scooter?

Sport, supersport and street bikes are generally much more expensive to insure than other bikes.

That's because they usually cost a lot to replace and thieves often steal street bikes.

Average cost of motorcycle insurance by bike type

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Compared to cruiser-style bikes, sport bikes cost more than three and a half times as much to cover.

Similarly, touring bikes are 33% cheaper to insure than sport bikes, even though they're much more expensive to replace.

Motorcycle insurance average cost by type

Monthly cost
CruiserYamaha V Star 250$3,620$116
CruiserHonda Rebel 500$5,645$158
CruiserHarley-Davidson Street 750$6,230$154
TouringBMW R 1250 RT$18,920$283
Touring Harley-Davidson Road King $17,900$223
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When calculating your motorcycle insurance rates, companies consider your bike's:

  • Value: More expensive motorbikes cost more to repair and replace. For that reason, insurance companies charge more for comprehensive and collision insurance on these bikes.
  • Safety features: Bikes with more safety features, like antilock brakes, are less likely to be in an accident. That generally makes them cheaper to insure.
  • Crash rate: Certain motorcycle models and styles have more accidents than others. If the type of bike you own is often in accidents, companies will assume you're more likely to file a claim.
  • Theft rate: Insurance companies usually charge more to protect bikes that are often stolen with comprehensive insurance. That's because there's a higher chance the company will have to pay out a claim. For this reason, flashy and expensive bikes with higher theft rates are more expensive to insure.

How do I lower my motorbike insurance cost?

If you're looking to lower the cost of your motorcycle insurance, you should shop around for the cheapest rate, qualify for as many discounts as you can and adjust your coverage.


Compare motorcycle insurance quotes from multiple companies.

There's a difference of $33 per month between the most and least expensive motorcycle insurance companies nationally. The number may be even higher in your state. That's why you should always shop for rates from multiple companies before buying a motorcycle insurance policy.


Qualify for motorcycle insurance discounts. Most companies offer bikers a variety of ways to lower their motorcycle insurance rates.

You can typically save by bundling your motorcycle policy with auto or home insurance. You can also usually lower your rates by taking a motorcycle safety course or installing an antitheft device on your bike.


Adjust your coverage. You can sometimes save a lot of money by adjusting your motorcycle insurance coverage, especially if there are add-ons that you don't need.

For example, if your bike is older, it may not be worth it to have comprehensive and collision coverage. And if you have another vehicle or easy access to public transportation, you probably don't need rental car reimbursement.

If you have comprehensive and collision coverage, you can also consider raising your deductible. A higher deductible typically leads to lower monthly payments. That's because your insurance company will pay less money if you're in a crash. However, it's important to choose a deductible you can afford to pay after an accident, especially if your bike is your only way to get around.

Frequently asked questions

How much is motorcycle insurance in the U.S.?

The average cost of motorcycle insurance in the U.S. is $33 per month, or $399 per year. A number of factors may make your insurance rates more or less expensive. These factors include where you live, the company you choose, your age and the type of bike you drive.

Why is my motorcycle insurance so expensive?

The four main factors that affect motorcycle insurance quotes are your age, your driving history, where you live and what type of motorcycle you have.

Less experienced riders or those with a recent accident pay more than riders with years of accident-free experience. If you live in an area with a lot of motorcycle theft, you'll likely pay more. And a powerful sport bike costs more to insure than a lower-power cruiser.

Are motorcycles expensive to insure?

Motorcycles are much cheaper to insure than cars. The average cost of full coverage motorcycle insurance is just $33 per month. Full coverage car insurance costs $164 per month, on average.

That's partially because many riders use their motorcycle as a second vehicle. Motorcycles are also typically cheaper to replace after an accident.

Do motorcycles need insurance?

In most states, the answer is yes. How much coverage you need to buy changes by state.

A few states allow you to legally ride a motorcycle without insurance or proof of financial responsibility. However, you should still protect yourself with an insurance policy.

Which motorcycles are expensive to insure?

Supersport or street bikes are typically the most expensive to insure. That's because people with street bikes tend to have riskier riding behaviors. Thieves tend to steal street bikes more than other types of bikes, like cruisers.


ValuePenguin collected thousands of quotes from top insurance companies across the country to find the average cost of motorcycle insurance by state. Quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.

Rates are for a full coverage policy, which includes higher liability limits than the state requirement along with comprehensive and collision coverage.

  • Bodily injury liability: $50,000 per person and $100,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Uninsured and underinsured motorist property damage: $25,000 per accident
  • Medical payments: $5,000
  • Comprehensive and collision deductible: $500

To find out how driver age affects motorcycle insurance rates, ValuePenguin gathered quotes from Progressive for a man living in Los Angeles with a clean driving record. He has had his driver's license since he was 16 years old and has been riding a motorcycle for 10 years or since his 16th birthday, whichever is shorter.

When comparing the rates for different types of motorcycles, we collected quotes from Progressive for a 50-year-old single man with a clean record living in Los Angeles. He has had a driver's license since he was 16 years old and has been riding a motorcycle for 10 years.

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