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:


Even something as simple as your age can have a large effect on your insurance cost. Drivers under the age of 25 will pay higher premiums. This is due to having less driving experience and statistics which prove they have more accidents.

Driving Record

If you want to ensure that you’ll pay the lowest rates possible for your insurance, make sure your record is clean. Riders with a clean driving history will pay lower premiums. Although, riders with accidents and tickets on their record will pay more.

Your Motorcycle

The type of 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

Location is also a key factor in determining the cost of insurance. 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 endorsements 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 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 using our website, you can also inform yourself about many useful topics, such as trip interruption insurance, vehicle replacement costs, and details on our 24/7 roadside assistance service.

Insurance Navy also has a strong social media presence, including Twitter, Facebook, Instagram, and YouTube. 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 Harley-Davidson’s rider safety courses to new safety features for Uber drivers and riders.

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