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Average Cost of Motorcycle Insurance (2020)

Find Cheap Motorcycle Insurance Quotes in Your Area

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The average cost of motorcycle insurance is $702 per year in the U.S., but rates can vary by more than 250% depending on your location.

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.

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. You can see how much motorcycle insurance costs on average per month in your state in the table below.

Cost rankStateMonthly rateAnnual rateDifference vs. national average


4New York$81$96938.07%
8Rhode Island$74$88926.75%
13South Carolina$65$78111.36%
15North Carolina$64$7638.71%
17New Mexico$63$7527.23%
29West Virginia$54$653-6.91%
33New Jersey$51$610-13.09%
36New Hampshire$50$601-14.30%
46South Dakota$39$472-32.67%
50North Dakota$32$382-45.56%

Monthly rate equals annual rate divided by 12. However, some insurers offer pay-in-full discounts.

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 of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both comprehensive and collision coverage were $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.

Top 5 states with the most affordable motorcycle insurance Rates

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.

Top 5 states with the most expensive motorcycle insurance Rates

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?

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. For example, the same motorcycle insurance policy from Progressive can range in price from $1,083 per year for a 50-year-old driver to $1,428 per year for an 18-year-old.

Cost of motorcycle insurance by rider age

MotorcycleType18 year old21 year old35 year old50 year old
2019 Yamaha V Star 250Cruiser$987$943$753$753
2019 Kawasaki Ninja 400Sport$1,870$1,787$1,413$1,413
2019 BMW R 1250 RTTouring$2,683$2,572$1,897$1,897
All annual quotes are for a male rider living in Los Angeles with a clean driving record who has had his driver's license since he was 16, and has been riding a motorcycle for 10 years or since his 16th birthday (whichever is shorter).

New riders have less experience and are statistically more likely to be involved in an accident, so insurers charge them higher premiums. This applies whether you're a 19-year-old new driver or an older rider with just a few years' worth of experience on the road. However, teens and people in their early 20s will typically face even higher motorcycle insurance premiums.

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.

StyleMotorcycleEngine sizeBlue Book valueAnnual premium
Cruiser2019 Yamaha V Star 250250cc$3,740$753
2019 Honda Rebel 500500cc$5,645$714
2019 Harley Davidson Street 750750cc$6,730$677
Cruiser average:$5,372$714
Touring2019 BMW R 1250 RT1250cc$19,130$1,897
2019 Harley Davidson Road King1746cc$19,125$1,344
2019 Honda Gold Wing1833cc$19,125$1,959
Touring average:$19,127$1,733
Sport2019 Kawasaki Ninja 400300cc$4,295$1,413
2019 Suzuki GSX-R600600cc$9,460$5,401
2019 Ducati SuperSport937cc$11,845$3,076
Sport average:$8,533$3,296
Average annual motorcycle insurance quotes were gathered from Progressive for a 50-year-old single male rider with no accidents or traffic violations living in Los Angeles. He has had a driver's license since he was 16, and has been riding a motorcycle for ten years.

Does a motorcycle with a bigger engine cost more to insure?

We didn't find a correlation between how many CCs a motorcycle engine has and how much it costs to insure; the style of motorcycle matters much more. 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. And that's despite the fact that the Gold Wing is more than twice as expensive as the Suzuki.

Scatter chart comparing the costs of motorcycle insurance with engine size

Scatter chart comparing the costs of motorcycle insurance with engine size

Footnote: 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.

RankTop motorcycle claims by typeTop personal auto claims by type
1Single vehicleRear-end
2Rear-endSingle vehicle
4Stolen and unrecoveredObject 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.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.