Toy Injuries Most Common Among Youngest Americans, but Decreases Provide Optimism
Kids younger than 5 have accounted for 38.0% of toy injuries treated in emergency departments in the past 10 years, but 10-to-14-year-olds... Read More
Motorcycle Insurance
The best motorcycle insurance protects you and your bike at an affordable price. You should always compare quotes from multiple companies to find the best coverage.
Find Cheap Motorcycle Insurance Quotes in Your Area
What does motorcycle insurance cover?
Understand how motorcycle insurance can protect you and your ride.
Collision coverage
Collision coverage pays for damage to your bike if you hit another vehicle or object.
Comprehensive coverage
Comprehensive coverage pays to fix or replace your bike after vandalism, theft or damage by an "act of God," like hail.
Bodily injury liability
Bodily injury protection pays for the medical bills of other drivers and passengers if you cause an accident.
Property damage liability
Property damage liability covers any damage you cause to someone else's vehicle or property.
Find motorcycle insurance companies near you
Find the best motorcycle insurance in your state.
Compare major motorcycle insurance companies
Frequently asked questions about motorcycle insurance
The average cost of motorcycle insurance is $33 per month, or $399 per year, for full coverage. Three main factors affect rates: where you live, the amount of coverage you need and your riding history.
The cheapest motorcycle insurance companies are typically Dairyland, Progressive and Harley-Davidson.
However, rates vary by state. So the cheapest company near you could differ from the best option nationally. That's why comparing quotes from multiple companies is important when shopping for motorcycle insurance.
No single motorcycle insurance company is best for every rider. Major companies like Progressive and Geico offer standard motorcycle insurance, with discounts for bundling your auto and homeowners insurance. On the other hand, specialty companies like Dairyland and Harley-Davidson provide more extensive coverage to dedicated riders.
The best way to find cheap motorcycle insurance is by comparing quotes from multiple companies. You should also look for discounts. Many companies offer savings for bundling your motorcycle and auto insurance, making automatic payments or taking a motorcycle safety course.
You can get the cheapest motorcycle insurance rates by buying the minimum coverage required in your state. Most states only require a small amount of liability coverage for bodily injury and property damage. However, you won't have any coverage for your bike if you cause a crash. This may not be the best choice if you can't afford to replace your bike after an accident.
Every state has its own laws, but it's generally harder to insure your bike if you don't have a valid motorcycle license or endorsement. Most insurance companies require your license info. Companies that don't may treat you as a riskier customer and charge you more for coverage.
Compare motorcycle insurance guides
The Fed is Cutting Rates — But Mortgage Rates are Stubbornly High
With the Federal Reserve’s most recent cut, prospective homeowners hope for declining mortgage... Read More
Holiday Driving Is 13.9% More Dangerous — Here Are the Deadliest States and Cities
11,100 people died in motor vehicle crashes during the Memorial Day, Fourth of July, Labor Day, Thanksgiving and Christmas holidays from... Read More
Auto Insurance Fraud Is on the Rise. Here’s What to Look For
Staged accidents can increase premiums for individuals — and the... Read More
Auto Insurance Costs in Majority-Black Areas in Georgia Are 11.1% Higher Than State Average
When comparing Black-majority areas to white-majority areas, that disparity rises to... Read More
Open Enrollment Has Arrived. Here’s What You Need To Know
Even if you want to keep your current coverage, review your plan to make sure the services you need are still... Read More
2024 Porch Pirates Report
Of the 23% of Americans who’ve gotten shipping insurance due to theft fears, 86% say it was worth it and 48% have filed a... Read More
The Fed (Finally) Dropped Its Rates. Here’s What That Means for Homeowners
With even lower rates on the horizon, homeowners are ready to take advantage of the... Read More
States Most at Risk for Winter Weather Property Damage
Winter weather has already caused an estimated $61.8 million in property damage in the U.S. in 2024. Here’s where that damage has... Read More
Methodology
To find the average cost of motorcycle insurance and the cheapest companies, ValuePenguin collected quotes across all 50 states in the U.S. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than state requirements 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