Average motorcycle insurance costs nationally are around $154 per year for minimum coverage and $571 annually for full coverage policies. However, keep in mind while this is true for most riders rates can vary widely by driver profile and coverage level chosen.
How Much Is Motorcycle Insurance?
Updated: April 18, 2025
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Key Takeaways
Depending on your unique profile, motorcycle insurance rates can range from as low as $83 per year to $1,446 annually on average.
Motorcycle insurance costs much less than auto insurance with rates that are 76% lower for minimum coverage and 59% less for full coverage.
To save the most on motorcycle insurance, take a driver safety course, get an official bike license, and compare multiple providers apples to apples.
Average Motorcycle Insurance Cost
Coverage Type | Average Monthly Premium | Average Annual Premium |
|---|---|---|
Minimum Liability Coverage | $13 | $154 |
Full Coverage | $48 | $571 |
*Rates are for a 40-year-old driver with no violations insuring a 2023 Honda CRF450RL.
Average Cost of Motorcycle Insurance by State
By state, average motorcycle insurance costs can vary anywhere from $7 per month up to $86 monthly. Below you can review what coverage will cost for you in your location.
State | Average Annual Minimum Coverage Rate | Average Annual Full Coverage Rate |
|---|---|---|
Alabama | $91 | $388 |
Alaska | $83 | $226 |
Arizona | $220 | $1,035 |
Arkansas | $132 | $691 |
California | $320 | $792 |
Colorado | $117 | $567 |
Connecticut | $201 | $629 |
Delaware | $288 | $549 |
Florida | $149 | $652 |
Georgia | $142 | $724 |
Hawaii | $119 | $439 |
Idaho | $110 | $262 |
Illinois | $205 | $901 |
Indiana | $125 | $723 |
Iowa | $93 | $351 |
Kansas | $135 | $463 |
Kentucky | $128 | $562 |
Louisiana | $152 | $966 |
Maine | $154 | $284 |
Maryland | $199 | $612 |
Massachusetts | $267 | $949 |
Michigan | $253 | $942 |
Minnesota | $112 | $430 |
Mississippi | $107 | $648 |
Missouri | $181 | $614 |
Montana | $91 | $158 |
Nebraska | $123 | $355 |
Nevada | $205 | $817 |
New Hampshire | $203 | $528 |
New Jersey | $233 | $713 |
New Mexico | $178 | $690 |
New York | $134 | $355 |
North Carolina | $93 | $356 |
North Dakota | $102 | $203 |
Ohio | $83 | $464 |
Oklahoma | $121 | $542 |
Oregon | $200 | $803 |
Pennsylvania | $109 | $600 |
Rhode Island | $125 | $429 |
South Carolina | $160 | $527 |
South Dakota | $102 | $303 |
Tennessee | $142 | $608 |
Texas | $124 | $851 |
Utah | $184 | $621 |
Vermont | $111 | $239 |
Virginia | $327 | $690 |
Washington | $99 | $343 |
Washington D.C. | $196 | $853 |
West Virginia | $114 | $347 |
Wisconsin | $119 | $355 |
Wyoming | $105 | $301 |
*Rates are for a 40-year-old driver with no violations insuring a 2023 Honda CRF450RL.
Average Motorcycle Insurance Cost by Age
Depending on your age, annual rates for motorcycle insurance on average range from $151 to up to $1,446. Below, you can check to see how much motorcycle insurance may cost your for both minimum and full coverage for those aged 16 to 80.
*Rates are for a rider with no violations insuring a 2023 Honda CRF450RL.
Average Motorcycle Insurance Cost by Driving Violation
Depending on the driving violation, rates can increase anywhere from 7% to up to 68%. Below you can review average premiums for common violations for riders.
Driving Violation | Average Annual Minimum Coverage Premium | Average Annual Full Coverage Premium |
|---|---|---|
Speeding | $165 | $742 |
At-Fault Accident | $177 | $933 |
DUI | $180 | $958 |
*Rates are for a 40-year-old driver insuring a 2023 Honda CRF450RL.
What Affects Motorcycle Insurance Costs?
To give you a more thorough understanding of motorcycle insurance costs, we've created a comprehensive guide to what affects rates below.
Coverage Level
The higher the coverage level that you select, the more motorcycle insurance will cost. For example, switching from a minimum liability insurance policy to full coverage with a 100/300/50 $1,00 deductible full coverage plan increases costs by 271%.
Age and Gender
The younger you are, the higher your rates typically get and going into your senior years rates slightly increase. Also, women tend to pay slightly lower rates than men due to a lesser chance of risky driving on average, similar to auto insurance.
Marital Status
Being married lowers your motorcycle insurance rates significantly which is in stark contrast to car insurance policies. For example, for a full coverage policy, a married 40-year-old in Colorado pays 22% lower insurance rates with Progressive.
Driving Record
If you have driving violations on your record, you motorcycle insurance rates can increase by up to 68% higher for full coverage and 17% for minimum coverage.
Your Motorcycle Details
While this typically does not affect liability insurance costs, the motorcycle you have heavily influences full coverage costs. This is due to payouts for collision and comprehensive coverage being based on the actual cash value of parts and the whole of your bike.
License Status
Depending on whether you have a auto license, a motorcycle endorsement, or an official motorcycle license, rates can vary widely. For example, with Progressive, 40-year-olds with no violations without a motorcycle endorsement pay 12% more for full coverage.
Location
Due to various concerns with accident and violation records, traffic patterns, and other statistics on the road, location heavily influences the motorcycle insurance rates you receive. Also, if you're choosing minimum liability coverage, requirements vary widely by state, causing rates to fluctuate.
Is Motrocycle Insurance Expensive?
Compared to traditional car insurance, motorcycle insurance fourth of the cost of auto policies for minimum coverage and full coverage is half the cost. Below, you can compare motorcycle insurance rates against a traditional auto policy for both minimum and full coverage.
Auto Policy Type | Average Annual Minimum Coverage Premium | Average Annual Full Coverage Premium |
|---|---|---|
Motorcycle Insurance | $154 | $571 |
Car Insurance | $634 | $1,377 |
How To Get The Most Affordable Motorcycle Insurance
It can be hard to find the best and cheapest motorcycle insurance for your situation. So, to guide you through the process, we've organized key tips to ensure you're finding the coverage you need.
- 1
Decide on Coverage Beforehand
Deciding how much motorcycle coverage you need for your situation allows you to go into your search with the ability to clearly compare average costs to provider quotes. It also prevents you from being influenced by agents into higher coverage levels that you may not need.
- 2
Take Advantage of Discounts
Look for discounts you can easily qualify for including bundling, safety course discounts, membership and home ownership premium reductions as examples.
- 3
Make Yourself Less Risky For Insurers
To lower your rates, increasing your credit score, getting a formal motorcycle license, and driving safely helps a lot to get cheap motorcycle insurance.
- 4
Compare Plenty of Providers
Comparing many providers can save you up to 36% overall on motorcycle insurance based on our research. However, you shouldn't just compare multiple providers through one platform, but through multiple since rates will vary online and with agents.
Cost of Motorcycle Insurance: Bottom Line
While motorcycle insurance is much cheaper than traditional auto insurance policies, costs can still be expensive if you don't take the proper steps. So we recommend taking advantage of discounts whenever possible and comparing plenty of providers through multiple means to get the best deal.
Motorcycle Insurance Cost: FAQ
With so many options for motorcycle insurance, it can be challenging to choose which policy is the right one for you. MoneyGeek has included some of the most common questions people have about motorcycle insurance to help you find the policy that best suits your needs.
How much does motorcycle insurance cost?
The cost of a motorcycle insurance policy will vary based on a number of factors, including your location, your age, your driving history and much more. The national average minimum liability-only insurance policy costs roughly $154 per year, and the average full coverage policy costs around $571.
Why is my motorcycle insurance so high?
Your motorcycle insurance could be high for multiple reasons. Your riding history, type of motorcycle and location can all increase the overall cost of your insurance. Keeping your driving record clean and regularly comparing insurance quotes can help you keep your insurance rates as low as possible.
Is motorcycle insurance expensive or cheap?
Motorcycle insurance can be cheap or expensive, depending on your situation. Insuring young riders or sport bikes is expensive, often in the multiple thousands of dollars a year for a full coverage policy. Certain states have high motorcycle insurance costs, like New Jersey, at $713 annually for full coverage, whereas states like Alaska have low insurance costs at $226 per year for full coverage. Experienced riders will likely have low insurance costs when compared to insuring a car, which is typically more than double the average cost of motorcycle coverage.
How We Determined Average Motorcycle Insurance Costs
Costs for motorcycle insurance nationally and by state were determined by a base profile and factor variations of a 40-year-old male with no driving violations, and who ride a 2023 Honda CRF450RL. For minimum coverage we chose required coverages for each state and full coverage refers to a 100/300/50 liability split policy with a $1,000 for collision and comprehensive insurance.
About Rachael Brennan
Rachael Brennan is a licensed insurance agent with over a decade of experience in the industry. She holds a property and casualty (P&C) license across all 50 states and a life, health, and accidental death and dismemberment (AD&D) license in New York and surrounding states. She writes personal finance and insurance content for MoneyGeek, specializing in property, casualty, health, life and accidental death and disability insurance.
Brennan earned her Bachelor of Science in Communications from Texas A&M University-Commerce. As a writer, she uses her insurance and personal finance experience to share practical knowledge and help people make informed financial decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Motorcycle Accidents." Accessed May 16, 2021.