Motorcycle Insurance Quotes

Similarly to your auto insurance, your motorcycle’s insurance changes depending on:

• How old you are.
• Your driving history.
• The type of motorcycle you drive.
• Your chosen insurance provider.
• Where you live.

Therefore, if you’re a younger driver with a new bike, you’re probably going to be paying more than someone who’s older than you. To see a full list of an our average driver with motorcycle insurance in all states, check out our table at the bottom of the page.

What Your Motorcycle Insurance Covers

It’s estimated that the US government spends around $16 billion on motorcycle crashes each year for things like emergency services, property damages, and medical costs. Driving a motorcycle is much more dangerous than any other vehicle. Motorcycles are smaller, faster, and more difficult to handle. In fact, you’re 37 times more likely to get into an accident if you drive a motorcycle. 

You need the right coverage for you and your motorcycle. Your insurance needs to cover all your motorcycle’s repairs and replacements. This can change depending on if you drive a:

• Cruiser
• Touring motorcycle
• Sports bike
• Sport-touring motorcycle
• Dirt bikes
• Trikes or motorized tricycle

There are a few factors that an insurance company will consider when quoting you for motorcycle insurance such as:

Motorcycle Value

More expensive or valuable bikes will cost more to repair or replace. This means you’ll likely pay a higher rate for a high-priced bike. You’ll likely want to consider a higher collision and comprehensive coverage if you have an expensive motorcycle.

Safety Features

Just like with cars, if your motorcycle has more safety features like anti-theft devices, you’ll have a cheaper rate. These features show you’ve taken actions to prevent theft and accidents, making it less likely you’ll ever need to make a claim.

Crash Rate

Another similarity to cars is that if a certain model or style of bike is involved in more accidents, you’ll likely be paying more for your motorcycle insurance.

Theft Rate

Insurance companies charge more for bikes that are often reported stolen or have less safety and anti-theft features. Motorcycles with extravagant features are likely to be targeted, and therefore, will have a higher theft rate.

Motorcycle Insurance By State

We’ve created a list with the average price of motorcycle insurance across each state. This is using our national average driver profile, so your quote may not be exact, but it should tell you how much your state will expect you to pay.

To know what else you can do to get a better rate on your motorcycle insurance, call one of our partners at QuotePurple: 833-971-0411