Motorcycle Insurance Cost

The average cost for motorcycle insurance in the U.S. is $519 a year. The factors that affect your insurance premiums are:


Drivers under the age of 25 will pay higher premiums. This is due to having less driving experience and statics prove they have more accidents.

Driving Record

Riders with a clean record will pay lower premiums. Although riders with accidents and tickets on their record will pay more.

Your Motorcycle

The motorcycle you insure will also affect your insurance premium. Price, age and horsepower are factors that determine higher or lower insurance premiums. Report any customization because that may also affect your insurance premium.

Your Location

Theft and accident rates in your area will also affect motorcycle insurance rates. Having a place to store your motorcycle, like a garage, may help reduce insurance costs.

Type of Coverage Needed

There is mandatory liability insurance that you must purchase for your motorcycle. You may also buy more endorsements for more protection. Additional endorsement and your deductible amount will increase or decrease your insurance costs.

More Information

Do you need more information about motorcycle insurance coverage, roadside assistance, or bodily injury coverage? Our agents and customer service representatives are here to help with your motorcycle insurance company needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

Additionally, we can help you find a motorcycle insurance quote right on our website. Because we want  to help you save money wherever possible, we offer our insurance quotes completely free of charge. By navigating our website, you can also inform yourself about many useful topics, such as coverage for repairing or replacing parts for your car after a crash, how to file a police report,  and what kind of coverage the state requires you to carry.

We also have a strong presence on social media. Give us a like or follow on our Twitter, Facebook, Instagram, or YouTube page. We’ll keep you up to date on helpful collision coverage tips, local news and much more.

Lastly, we also have blogs that may help you with any questions you have. Our blogs cover many different topics. From how to keep your car cool in the summer, to proper steps to take after Godzilla damages your car.

*Please review your own policy carefully for details on motorcycle coverage. Motorcycle coverage varies by policy.