Motorcycle Insurance Guide 2025
Protect your ride with the right coverage. Learn about motorcycle insurance options, costs, and how to find the best policy.
What is Motorcycle Insurance?
Motorcycle insurance provides financial protection for riders in case of accidents, theft, or damage to their bikes. Like car insurance, it's required in most states to legally operate a motorcycle on public roads.
Motorcycle insurance typically costs less than car insurance but offers similar types of coverage. However, riders face unique risks that require specialized protection.
Types of Motorcycle Coverage
Liability Coverage
Required in most states. Covers injuries and property damage you cause to others in an accident.
Collision Coverage
Pays to repair or replace your motorcycle if damaged in a collision, regardless of fault.
Comprehensive Coverage
Covers theft, vandalism, fire, weather damage, and other non-collision incidents.
Medical Payments Coverage
Pays for medical expenses for you and your passenger after an accident, regardless of fault.
Accessories Coverage
Protects custom parts and accessories you've added to your motorcycle beyond factory equipment.
Average Motorcycle Insurance Costs
| Bike Type | Annual Cost | Monthly Cost |
|---|---|---|
| Standard/Cruiser | $500 - $700 | $42 - $58 |
| Sport Bike | $800 - $1,500 | $67 - $125 |
| Touring Bike | $600 - $1,000 | $50 - $83 |
| Scooter/Moped | $200 - $400 | $17 - $33 |
Factors Affecting Motorcycle Insurance Rates
- •Bike type and engine size: Sport bikes cost more to insure than cruisers
- •Riding experience: New riders pay higher premiums
- •Age: Riders under 25 face higher rates
- •Location: Urban areas have higher theft and accident rates
- •Safety courses: Completing a motorcycle safety course can lower rates