A Guide to Choosing and Budgeting for Your First Motorcycle

When shopping for your first motorcycle, there are many factors to consider, including your budget and costs, the make and model's features, whether you plan to purchase new or used and finding the best insurance.

Learn more about the average costs of your new equipment, tips to help you choose and budget your new bike and what you need to get started as a new rider.

One of the largest considerations when buying a motorcycle is cost. For some, purchasing a motorcycle can be cheaper to own than a car. Before determining if owning a bike is the best option for you, it’s important to consider other relevant costs, such as safety gear, maintenance and purchasing either full coverage insurance or liability-only.

These prices are based on average rates for motorcyclists. The actual cost of a motorcycle may differ depending on your needs and what you are looking for. Aside from the price of the bike, you should also consider what factors may influence the cost, such as motorcycle features, performance capabilities and purchasing a new versus a used bike.

Motorcyclists need to have proper riding and safety gear. A helmet is something you can’t do without — it provides protection while you are on the road, and depending on your state's helmet laws, you may be required to get one. On average, a helmet costs $70. But depending on the type and model, you may end up spending up to $300.

Other riding gear you may consider are jackets, gloves and pants. These can be costly, so consider buying them later on if you have a tight budget.

You need to make sure your bike is always in its best condition. Not only will it ensure that your motorcycle runs smoothly, it will help keep you safe on the road. To do this, you will have to ensure it gets proper maintenance, including service appointments and oil changes.

On average, the cost of motorcycle maintenance is $1,000 a year. That can fluctuate depending on the condition and age of your motorcycle. For example, older models tend to need more repairs. If your motorcycle has incurred damages, you may need to pay more for repairs.

The cost of motorcycle insurance depends on individualized factors and location-specific considerations. Your age, gender and driving history can have an impact on how much your insurance premium would cost. Additionally, where you live can also affect the cost of your insurance. Likewise, the best motorcycle insurance will vary depending on your needs and circumstances.

Depending on where you live, the cost of license application and riding courses may vary. On average, these cost $30 and $100, respectively.

If you want to further improve your skills and become a safer driver, you can also take additional riding courses, for a fee.

The average rider typically spends $300 per year on fuel. How you use your motorcycle and what model you are driving can affect the total cost you may need to spend. For instance, some motorcycles are more fuel-efficient. That means you can save money on gas. Someone who uses their motorcycle often also spends more on fuel than an individual who only takes their bike out occasionally.

Keeping your budget in mind when buying your first motorcycle is essential. This will help you decide on what type of motorcycle to buy, what brand and where to purchase it. Aside from affordability, you should also consider what motorcycle model best fits your needs as a rider.

There are different expenses involved in buying a motorcycle. Aside from the bike’s purchase price, you should also consider riding and safety gear, riding courses, maintenance costs, fuel and the average cost of motorcycle insurance. These factors can help you estimate your overall motorcycle budget. Keep the following in mind as you determine your budget costs.

There are multiple types of motorcycles available. When choosing what kind you should buy, consider the models that fit your needs. You should also consider safety. Which is safest for riders like you? How experienced are you when it comes to driving a motorcycle?

Understanding the different types of motorcycles can help you find the best option for your first bike. Generally, there are nine kinds of bikes. Each one fits a different kind of rider. When determining the right bike for you, consider how you will use it and ensure it fits your height and size.

As the name suggests, a cruiser is best for cruising. This type of motorcycle typically has a lower seat height. It allows the rider to carry small additional luggage. It’s typically best for weekend riding. It can travel long distances as well.

For beginners, the best cruisers are those that are light- or medium-weight. It is important to note that cruisers are typically meant for lower speeds and stable power output.

The standard bike often has a simple design. It’s a rider favorite because it can serve various purposes. You can fit luggage, a different seat or a tank bag. It has a seat height that is usually in the shorter or middle range. That means, almost everyone, no matter body type, can sit comfortably on it.

Typically larger than other types of motorcycles, touring bikes offer large storage. Having large fairings help it block the wind and weather. Its engine size tends to be large as well, which means it can maintain highway speeds long. Its ergonomics allow riders to sit for hours.

Depending on the model you choose, you can find a motorcycle with special features found in cars. These include GPS, navigation screens, electronic suspension, audio systems, Bluetooth and heated seats.

While some people do not consider scooters as real motorcycles, they are still considered bikes. While they are smaller than other motorcycles, scooters can get you around metropolitan areas. They are lightweight. They are also low on the ground. This allows riders to stay comfortably seated while going through city streets.

Unlike other bikes, scooters tend to have limited storage which allows for only a few items.

Sport bikes offer speed, agility and horsepower. They are typically expensive. Most models that fall under this type are considered the fastest bikes. Aside from their horsepower, these motorcycles also have high-powered suspension systems and brakes. They tend to have the latest technology.

These bikes are typically not ideal for beginners. Instead, they are suitable for individuals who enjoy racetracks and challenging roads.

Many people mistake mopeds for scooters. While they may seem alike, these two types of motorcycles are different. Mopeds have lighter frames and smaller engines. Their design is the same as a bicycle. Unlike other bikes, mopeds have minimal to no storage. It also has no fairings to block wind and weather.

A lot of people consider mopeds vintage. That is because there is limited access to this type of bike in the U.S.

Off-road motorcycles are best for dirt trails. They have taller seats so that they can accommodate high suspension and bumps. They are typically lightweight. They typically don’t have lights and turn signals. That said, they can handle traversing steep hills and trails. Some off-road bikes also have a clutch-less design, making it easier on the hand.

Sport touring mixes sport and touring bikes. They have taller seats than touring motorcycles. They also have better luggage space than sport bikes. They are ideal for quick trips, but some models can handle longer drives. As for engine sizes, sport touring bikes tend to have mid-range engines.

Depending on your choice, you may find a sport touring with GPS, shaft drive and other technology often found in cars.

Dual sport bikes are great for rough terrains. However, they are typically heavier than off-road bikes. Others may refer to this type of bike as a dual-purpose or adventure sport.

Dual sports boast comfort similar to street bikes. But the seat height of dual sports is usually taller. Because of this, they can navigate off-beaten paths. Dual sports have limited storage options, but they allow the outfitting of extra luggage.

While you are likely excited about buying your first motorcycle, it’s important to know how to find the right one for your needs. Understanding the different types is an essential step in the process. You also need to consider your needs and the features the motorcycle offers can also help you decide.

Looking for the best motorcycle model can be a bit overwhelming, especially with so many available options. The resources below can help you better understand motorcycle ownership and other relevant information that may be beneficial to you.

• Centers for Disease Control and Prevention's Universal Motorcycle Helmet Laws: Learn about the Universal Motorcycle Helmet Laws, their history, the effectiveness of using a helmet and the different issues surrounding the laws.
• DMV.org: Choose your state and find out what the requirements are to get a motorcycle license.
• J.D. Power-NADAguides: Compare the cost of motorcycles by type, make and model.
• Kelley Blue Book: Select the make of the motorcycle you are interested in and find out how much it costs. Compare models using KBB’s tool.
• Motorcycle Legal Foundation: Expand your knowledge of motorcycle laws in your state and compare how they may differ from other state laws.
• Motorcycle Safety Foundation: Learn about the RiderCourse, a training course best for beginners. Find out what the course is all about and how it can help you become a safer motorcycle rider.
• U.S. Department of Transportation: Access resources about motorcyclist safety and motorist awareness. You can also find tips on how you can be road-ready.
• U.S. Environmental Protection Agency: Get familiar with the regulations set for motorcycle emissions to prevent facing issues in the future.