How to Get Motorcycle Insurance Online

How to Get Motorcycle Insurance Online

Find Cheap Motorcycle Insurance Quotes in Your Area

Currently insured?

When shopping online for motorcycle insurance, you should have information about your bike, your driving record and your insurance history ready. You should also be prepared to shop around to find the best price for the coverage you need — plus any discounts you might qualify for. Use the quote box at the top of this page to find motorcycle insurers with the best rates in your area.

Before you purchase motorcycle insurance, you should check your state's insurance requirements to make sure you get enough coverage. Motorcycle insurance is required in every state except Florida. However, even Florida residents should consider purchasing insurance for their motorbikes to avoid paying for property damage and injuries themselves.

You can often satisfy your state's insurance requirements by purchasing bodily injury coverage. However, each state has different limits that its residents must buy. If you live in Ohio, you must have at least $25,000 of bodily injury coverage and personal property protection, plus $50,000 for each accident. If you live in New York, on the other hand, you'd need only $10,000 of personal property coverage.

How to get an online motorcycle insurance quote

Find Cheap Motorcycle Insurance Quotes in Your Area

Currently insured?

It's relatively easy to get online quotes for your motorcycle if you prepare beforehand. Most well-known providers' websites will give you an estimated price after you fill out an online form. Typically, you're asked to identify the make, model and engine size of the bike you want to insure. You can also get started by entering your info in our form above.

You also have to provide some information about your driving history, including listing any accidents you've had in the past, how long you've been driving your motorcycle and whether you drive your bike for pleasure or competitively.

Sometimes a provider's website won't give you an online quote. In these cases, you'll have to contact a local agent's office to get a price. For example, you'll likely be required to talk to an agent if you're looking to insure a classic or customized motorcycle. This is because online forms aren't thorough enough to calculate a price that accounts for all of the possible customizations you might have done to your motorcycle.

Even if you'd rather buy a quote online, you may find it worth talking to an agent if you have questions about your coverage or aren't sure how to get the best price.

How much is motorcycle insurance?

The average price of motorcycle insurance is $519 per year, or around $43 per month. However, the cost of your policy depends on a number of factors, including where you live, the limits you set for your insurance and whether you purchase additional coverage. Optional protections include: uninsured or underinsured motorist coverage, total loss coverage, carried contents and roadside assistance. These additions will increase the price of your policy.

Since bodily injury protection only covers the cost of damage to other people and their property, you would need to purchase additional coverage to pay for damages to yourself or your property. A common solution is buying comprehensive and collision coverage. These protections, often paired together, protect your own motorcycle from nearly all causes of damage.

When you shop for motorcycle insurance online, be sure to check which coverages and limits you're matched with before you finalize your purchase. If you feel like your coverage isn't exactly right for you, you can usually add or subtract optional coverages individually to customize your price if you're shopping online.

Motorcycle insurance discounts

Fortunately, even though each motorcycle insurance provider prices its policies differently, nearly all insurance companies offer ways for you to save money on your policy. When shopping for motorcycle insurance online, be sure to check each provider for a list of discounts.

You could qualify for discounts if you:

  • Get a quote in advance of buying a policy
  • Buy coverage for multiple vehicles
  • Have a motorcycle license or endorsement
  • Maintain a history of responsible driving
  • Are an older motorcycle rider
  • Own a home
  • Complete a safety course
  • Renew your old policy

Typically, a provider's quote form asks you a series of questions that will determine whether you're eligible for discounts. You could be asked whether you've equipped your bike with any devices to protect it against theft. If you have, you could see a discount when it's time to purchase your policy.

You could also see indirect discounts if your insurer includes optional coverages into a standard policy. For instance, Progressive's motorcycle policies include $3,000 for customized repair protection and un-/underinsured coverage with no additional cost. You might find this enticing considering these types of coverages typically cost extra with other providers.

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