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Compare Motorcycle Insurance Rates
Learn more about the factors that dictate your motorcycle insurance rates, compare top insurers, and save.
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What does motorcycle insurance cover?
Of course you don't plan on crashing your bike or having it stolen but if bad luck gives you the nod, you'll be glad you have top notch motorcycle insurance coverage.
Having motorcycle insurance coverage benefits you, your bike and others on the road. Here is a rundown of the coverages included in Goods Insured policy options:
Accessories Coverage
Provides protection for your accessories. You must, however, carry comprehensive or collision coverage on your policy. Accessories may include: saddlebags, backrests, seats, chrome pieces and CB radios. If needed, additional coverage can be purchased. Collision coverage provides protection for your helmet as well. (Coverage amounts vary by state.)
Bodily Injury Liability Coverage
Insures you against certain damages if you injure or kill someone while operating your motorcycle and also provides you with a legal defense if another party in the accident files a lawsuit against you. We have multiple limits of protection from which to choose.
Collision Coverage
Pays for covered damage to your motorcycle when it hits, or is hit by, another vehicle.
Comprehensive Physical Damage Coverage
Pays for covered losses resulting from incidents other than collision, such as theft, fire or vandalism.
Uninsured/Underinsured Motorist Coverage
Pays for injuries caused by an uninsured driver in a crash that is not your fault
Accessories Coverage
Provides protection for your accessories. You must, however, carry comprehensive or collision coverage on your policy. Accessories may include: saddlebags, backrests, seats, chrome pieces and CB radios. If needed, additional coverage can be purchased. Collision coverage provides protection for your helmet as well. (Coverage amounts vary by state.)
Property Damage Liability Coverage
Insures you against certain damages caused to someone else's property while operating your motorcycle and provides you with a legal defense for such claims if another party files a lawsuit against you. We have multiple limits of protection from which to choose.
If your motorcycle is street legal, we'll help you compare prices & insure it
If it's cool enough for you to ride, it's cool enough for us to cover.
Here are some of the common vehicle types:
Pro tips for quoting motorcycle insurance
Take a safety course: Depending on the type of ride you have, you could get a discount for completing a safety training class.
Know your VIN: You can get a quote simply based off the make, model, and year of your bike, but you’ll need your vehicle identification number to purchase your policy.
Add all riders: If family members regularly ride your bike, add them to your quote so you’re properly covered.
What impacts the cost of motorcycle insurance?
The cost of motorcycle insurance depends on a variety of factors, including your age, bike, riding history, coverages, location, and the insurance company you buy from.
Here’s some of the things that affects your price for motorcycle insurance
Location
We know you live to ride, but did you know that where your ride lives greatly impacts your rate? Riders in colder states with a shortened riding seasons have fewer accidents and claims and you’re likely to pay more for motorcycle insurance in warmer states, where more opportunities to ride and possible accident.
Age and riding experience
Generally, rates decrease as you get old older, until you reach your 70s. Teenage riders pose the biggest risk for insurers, and will typically pay higher rates. If you’re an inexperienced motorcycle rider, you may pay a higher rate than a much younger rider with more experience. For example, a 30-year-old who just started riding may pay more than a 24-year-old with four years of experience and paying insurance.
Vehicle usage
If you ride to and from work, you’ll usually pay more than a casual weekend rider. Using bike for business purposes may make you ineligible for a personal motorcycle policy, requiring to get a business policy instead. At many insurers, annual mileage may also impact how your rate is calculated. The more you ride, the higher your rate.
Speeding and traffic tickets
A speeding ticket on your motor vehicle report will increase your price for motorcycle insurance, whether the violation happened in your car or on your bike. In most states, violations will usually fall off your driving record after 36 month where it will be forgotten and no longer charge you extra for it.against you or your family members if you're responsible for someone else's injuries or damages to their property. You can add extra coverages for libel, slander, or other lawsuits.
Accident and claim history
Any auto or motorcycle accident on your motor vehicle or claims history will likely increase your motorcycle insurance rate. At-fault accidents will generally be costlier than not-at-fault accidents, and most claims will negatively affect your insurance price.
Type of bike
When comparing motorcycles in the same class, the model with the bigger engine will usually cost more to insure. A high-performance bike has a greater risk for an accident than a touring model.
Coverage selection
Adding comprehensive and collision will cost you more than the state minimum liability coverage. While a liability-only policy will cost the least, it won’t protect your bike from physical damage.
The higher your deductible, the more of the repair or claim cost you’ll have to take on. That means your out-of-pocket costs will be higher at the time of the accident, but you’ll have a lower overall rate and vice versa.
Just get a quote to see exactly how customizing your coverages impacts your rate.
Credit
When Many motorcycle insurers check credit, so a better credit rating can add up to money saved on insurance. Remember, getting a quote will never affect your credit score.