While most U.S. states have made motorcycle insurance legally mandatory, every rider benefits from active coverage regardless of local requirements. We collected thousands of quotes from across the country to find out how much it costs to protect your bike, your health and your financial well-being.
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Average cost of motorcycle insurance by state
We conducted a review of motorcycle insurance quotes across all 50 states and found that the average cost of motorcycle insurance quotes in the U.S. was $702 for a full year of coverage. Because the cost of coverage varies based on your location, it's useful to get more than one quote to find the best price.
You can see how much motorcycle insurance costs on average per month in your state in the table below.
|Cost rank||State||Monthly rate||Annual rate||Difference vs. national average|
We collected rates from up to six major motorcycle insurance carriers in each state, based on a theoretical 45-year-old male rider. The coverage limits we requested in our quotes included:
- Bodily injury protection: $100,000 per person/$300,000 per accident
- Property damage coverage: $50,000
- Comprehensive and collision deductible: $500
States with the most affordable motorcycle insurance
The five states with the most affordable motorcycle insurance quotes all had rates that were at least 32% lower than the average in the U.S. Other than New Hampshire, all of the states with the cheapest rates were located in the Midwest and Great Plains regions.
States with the most expensive motorcycle insurance
Unlike the most affordable states, the costliest states for motorcycle insurance showed no clear geographical correlation. However, they did tend to have large populations and warmer, longer riding seasons.
Paying for your motorcycle insurance in 12 monthly installments is usually more expensive than if you pay for a yearlong policy upfront. The pay-in-full discount is common at top insurers such as Progressive, Esurance and Nationwide. If you live in a state where coverage is expensive or want a lower overall rate, consider paying for six to 12 months' of motorcycle insurance coverage at a time instead of paying monthly.
How do motorcycle insurance rates change with age?
Motorcycle insurance providers usually charge higher premiums to younger drivers, whom are viewed as more likely to be involved in an accident.
In addition to the city you live in, the amount of coverage you purchase and your driving history, motorcycle insurance companies also calculate your cost of coverage based on your age and years of experience.
Cost of motorcycle insurance by rider age
|Motorcycle||Type||18 year old||21 year old||35 year old||50 year old|
|2019 Yamaha V Star 250||Cruiser||$987||$943||$753||$753|
|2019 Kawasaki Ninja 400||Sport||$1,870||$1,787||$1,413||$1,413|
|2019 BMW R 1250 RT||Touring||$2,683||$2,572||$1,897||$1,897|
However, as long as you're not involved in any accidents, your premiums should decrease as you gain experience. For example, 18-year-old riders are often charged more for insurance than 21-year-olds, while 21-year-olds often have slightly more expensive rates than middle-aged riders.
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Sport vs. touring vs. cruiser: How your motorcycle affects insurance rates
Insurance companies will use all safety and risk information available to them when setting your rates, so naturally the type of motorcycle you ride has a large impact on your premiums. Specifically, insurers will consider:
- Motorcycle value: More expensive motorbikes cost more to repair and replace, so insurance companies will charge you more to insure them if you purchase comprehensive and collision insurance.
- Bike safety: Bikes with more safety features — such as anti-lock brakes — are less likely to be involved in an accident and will generally be cheaper to insure than bikes lacking those features.
- Crash rate: Certain motorcycle models and styles are involved in more accidents than others. If your model of bike is involved in crashes at a high rate, motorcycle insurance companies will assume you are more likely to file a claim.
- Theft rate: Insurance companies will often charge more to cover a type of bike that is often stolen. That's because there's a higher chance the insurer will have to pay out for a comprehensive claim. For this reason, flashy and expensive bikes that are high theft targets will be more expensive to insure.
Sport and supersport bikes (also referred to as street bikes) are generally much more costly to insure than other bikes, because they tick a lot of these boxes: They are relatively expensive, often wrecked and are high theft targets.
We collected typical motorcycle insurance rates and found that compared to cruiser style bikes, sports bikes were 362% more expensive to insure, despite having an average Kelley Blue Book value of only 59% more. Similarly, touring bikes were 47% cheaper to insure than sport bikes, while having a much higher average cost.
Below, we've included the average cost to insure various cruiser, touring and street bikes that shows the increased average motorcycle insurance costs.
|Style||Motorcycle||Engine size||Blue Book value||Annual premium|
|Cruiser||2019 Yamaha V Star 250||250cc||$3,740||$753|
|2019 Honda Rebel 500||500cc||$5,645||$714|
|2019 Harley Davidson Street 750||750cc||$6,730||$677|
|Touring||2019 BMW R 1250 RT||1250cc||$19,130||$1,897|
|2019 Harley Davidson Road King||1746cc||$19,125||$1,344|
|2019 Honda Gold Wing||1833cc||$19,125||$1,959|
|Sport||2019 Kawasaki Ninja 400||300cc||$4,295||$1,413|
|2019 Suzuki GSX-R600||600cc||$9,460||$5,401|
|2019 Ducati SuperSport||937cc||$11,845||$3,076|
Does a motorcycle with a bigger engine cost more to insure?
The style of motorcycle has a larger bearing on the price of coverage than the CCs of its engine.
For example, insurance for a 2019 Suzuki GSX-R600, which has a 600 cc engine, costs $5,401 per year for our sample rider. But insurance for a Honda Gold Wing, which has 1,833 cc of displacement, costs just under $2,000 per year — this is despite the fact that the Gold Wing is more than twice as expensive as the Suzuki.
All quotes are gathered from Progressive for a 50-year-old male motorcycle rider living in Los Angeles with 10 years' worth of motorcycle experience.
The most frequent motorcycle insurance claims
According to research from Progressive, single-vehicle accidents are the most frequent type of motorcycle insurance claim, as opposed to rear-end collisions in regular auto insurance.
This suggests that when it comes to motorcycle insurance, riders are more likely to be at fault in their claims.
In 2012, the Government Accountability Office (GAO) estimated that direct losses due to motorcycle crashes in the U.S. amounted to $16 billion. That estimate included the obvious: emergency services, property damage and medical costs including rehabilitation. It also accounted for things such as lost wages, household productivity and legal defense costs in liability claims.
According to the most recent data available, the number of motorcycle injuries per year has increased from 81,000 in 2011 to 88,000 in 2015. Additionally, the cost of medical care has increased as well. Taking those factors into consideration, it's safe to assume that a more current study would result in an even higher direct loss cost.
The table below of Progressive's claims also shows the prevalence of motorcycle theft claims in comparison to other types of claims. Stolen and unrecovered motorcycles accounted for the fourth most motorcycle insurance claims, but theft claims weren't even in the top five of personal auto claims.
|Rank||Top motorcycle claims by type||Top personal auto claims by type|
|4||Stolen and unrecovered||Object coming from the road|
Given their smaller size and weight, motorcycles are more likely to be stolen than cars and trucks. Thieves commonly hoist the bike into a van, which minimizes both the damage to the motorcycle and the likelihood of getting caught in the act.
Reported incidents of motorcycle theft in the U.S. decreased 6% between 2017 and 2018 to 41,674, according to calculations from the National Insurance Crime Bureau. Since 2006, motorcycle thefts are estimated to be down 38% from 66,774.
California had the highest number of thefts in 2018 (7,035), but it also has the highest number of registered motorcycles — more than 800,000. Florida had the second-highest number of motorcycle thefts but was far behind California, with 4,279 bikes reported stolen.
Sources: Insurance Information Institute, the National Highway Traffic Safety Administration, Progressive, the National Insurance Crime Bureau, the National Crime Information Center of the FBI and the Motorcycle Industry Council.
What does motorcycle insurance cover?
Like car insurance, motorcycle insurance covers your financial liability if you are responsible for an accident. It also pays for damage to your bike in a collision with collision coverage, and due to other causes with comprehensive coverage. Some motorcycle insurers also offer extra additions like roadside assistance and trip cancellation coverage.
Why is my motorcycle insurance so expensive?
The three main factors that influence how much motorcycle insurance costs is who you are, where you live, and what type of motorcycle you have. Younger, less experienced riders or those who have recently gotten in a crash will pay more than riders with years of accident-free riding experience. If you live in an area with a lot of motorcycle theft, you'll likely pay more. And a powerful sport bike will cost more to insure than a low-power cruiser.
Do I have to have motorcycle insurance?
In most states, yes. Only New Hampshire and Florida residents may legally ride motorcycles without insurance or proof of financial responsibility. However, how much coverage you are required to buy changes by state. And some states require personal injury protection, while others do not.