Cheap Motorcycle Insurance

Ready to get a cheap motorcycle insurance policy? Reach out to one of our expert agents to get a free motorcycle insurance quote. Let us know your zip code, bike details, and driving history. By providing us with this information, we get a better idea to get you the cheapest motorcycle insurance coverage.

You can get a motorcycle quote from us either at one of our many locations or online with your zip code in just a few clicks via our website or mobile app. We are also just one call away. Get a motorcycle insurance quote online and ride off on your motorcycle worry-free tomorrow.

What does Motorcycle insurance cover?

Motorcycle insurance is not unlike personal auto insurance in terms of what it can cover. When purchasing a low-cost motorcycle insurance policy, you can expect to obtain liability coverage at the very least.

There are other types of coverage options like collision and comprehensive coverage. You can even go beyond that to add on specialty insurance. What a quote covers and its benefits and perks are outlined below.

Motorcycle liability insurance

Liability insurance covers bodily injury liability and property damage liability coverage in case you cause an accident. Like auto insurance, there is a minimum amount of insurance motorcycle operators are expected to carry in several states.

It is important to remember that liability coverage will not assist with your bodily injury or damage to your property. Liability insurance offers coverage for the other person involved in the collision.

Motorcycle collision coverage

Collision insurance coverage pays for repairs to your motorcycles after an accident, no matter who was found to be at fault. This will be a crucial piece of your insurance policy as it ensures that your bike will be repaired regardless of who is at fault.

Collision Coverage is vital, especially since liability insurance offers no protection for fixing your bike.

Comprehensive coverage for Motorcycles

Comprehensive coverage pays for non-collision-related damage to your motorcycles. This includes vandalism, theft, and fire.

It is important to note that you can only enact comprehensive coverage if the damage you need to repair was caused outside of an accident. This is another essential type of insurance for motorcycle owners.

Specialty Motorcycle insurance coverage

What has been explored above are some of the significant types of affordable motorcycle insurance coverage options to protect your bike. There are several optional coverage add-ons that insurance providers offer when providing quotes to customers to help them expand coverage:

Towing and Roadside assistance

Suppose your motorcycle has mechanical issues while on the road. Roadside assistance is there to help fix the problem or tow you to a shop. The last thing you want is to be stranded on the road, and we offer all types of road assistance to help in these situations.

Uninsured motorist insurance

Even though motorcycle and auto insurance are mandated in nearly every state, you can still end up in a collision with someone without insurance. Repairing your medical expenses and vehicle can be challenging if they are at fault. That’s where uninsured motorist coverage can come into play and cover your bills.

Equipment

Motorcycle riding requires accessories like a helmet and other protective gear. Your insurance policy can cover the equipment and others if they are damaged in an accident.

Replacement cost

After an accident, your motorcycle may be beyond repair. For instances like that, you can get replacement coverage that will pay for replacing your bike.

Personal injury protection (PIP)

Personal injury protection (PIP) is a crucial policy option to have. This type of insurance will pay for any medical expenses you and your passenger accumulate following an accident.

It pays out for personal injury claims no matter who was found to be at fault. This is often called no-fault insurance and is mandated for drivers in several states.

What types of Motorcycles are covered?

“Motorcycle” or “Bike” can be vaguer than you might think. Due to this, insurance for motorcycles is expensive. It covers vehicles from traditional motorcycles, vintage bikes, scooters, or mopeds.

Listed below are some common types of motorcycles that insurance providers offer personal coverage options for.

Cruisers

This is the most popular type of motorcycle, usually with an engine visible from both sides. Harley-Davidson is the most common brand of these touring bikes. The V-twin or full-view engine, like on a Harley Davidson, is what you’ll find on most cruisers.

Sport Bikes

High-performance motorcycles are built for speed. These sports bikes are driven on the streets but make excellent everyday transportation when needed!

Dirt Bikes

The dirt bike is a lightweight motorcycle with rugged tires and upgraded suspension. Dirt Bikes are exhilarating two-wheeled vehicles that can be used for outdoor adventures, including off-road racing or simply commuting to work on weekends.

ATV’s and UTV’s

Off-road vehicles can be four-wheeled or have up to eight wheels.

To determine if your insurance company will cover your motorcycles, consult their website or your insurance agent.

Do you need Motorcycle insurance?

Legally, it depends on the state you live in. Nearly every state mandates that motorcycle riders carry a specific liability coverage. Some states may even require other types of motorcycle insurance, like collision and comprehensive coverage.

To get a better idea of the laws in your state, consult your state’s Department of Insurance. You have a responsibility as a motorcycle rider to comply with regulations. But, at the same time, state laws should not be the only reason you obtain a bike insurance policy.

Insurance is vital to protect you and your vehicle following a tragedy. You should ensure you meet state requirements and have enough coverage to protect yourself and your passengers in a severe accident. Failure to do so can result in your finances suffering by paying a higher deductible and lead to other penalties like tickets and fees.

How Much Motorcycle Insurance Do I Need?

Since we have established that you legally need affordable motorcycle coverage, we must consider how much you should get. Everything else is typically up to you to determine outside liability insurance options.

It would be best to consider how often you ride and how much your bike is worth. Suppose you are a dedicated rider with a high-end bike. In that case, you will undoubtedly want to protect it with collision and comprehensive coverage.

If you are someone who takes a joy ride now and then, you may not need expansive coverage. It is essential that you make educated decisions based on who you are as a rider and understand what your needs are.

Remember to consider all the equipment and apparel that comes with your motorcycle. Those can be costly, but your insurance policy can cover them.

The best way to go about cheaper motorcycle insurance is to start with liability insurance and add optional coverages from there. Consulting an insurance agent or broker for a quote can help you navigate everything offered.

How Much Does Motorcycle Insurance Cost?

It is hard to give a specific answer for the cost of motorcycle insurance. Like any other type of vehicle insurance or property insurance policy, a motorcycle insurance quote is personalized.

Specific factors about you and your vehicle directly impact your quote. Something as simple as your age can affect premiums. However, establishing a baseline may still be helpful despite how much goes into the quote’s price.

On average, motorcycle riders in the United States pay around $730 annually for cheap motorcycle insurance. That comes out to be about $61 per month. Remember that your quotes can easily be above or below this average.

Factors that determine your Motorcycle insurance rates

Several factors affect how much you will pay for a motorcycle insurance policy. Some can be customized to lower your quote, while others you can’t control. Still, it is essential to understand what sort of information is causing your premiums to be at their price.

Factors insurance companies consider when getting a motorcycle insurance quote:

• Type of motorcycle - The make and model of the bike you want to insure will significantly determine your rates. High-speed, big, expensive bikes tend to cost you more to insure because of their replacement costs. A sports bike, on average, has higher insurance quotes than a cruiser or touring motorcycle.
• Age - Like auto insurance, motorcycle riders under 25 can expect to pay more for coverage. This is because young drivers are less experienced and have a short driving history. It is a risk for insurers to provide coverage as there is no telling what kind of rider they will be. As you get older and more experienced on the road, rates tend to decrease.
• Usage - How you plan to use your bike can impact your rates. Suppose you purchase a fast, high-performance motorcycle, like those used for racing. In that case, you can expect to pay more for insurance. However, a smaller bike, like a scooter, will be cheaper. Bikes used sparingly will have a lower quote.
• Driving record - Much like auto insurance, your driving record will be considered when deciding insurance premiums. The safer driver you are, the lower your rates will be. Every claim and accident will be listed on your record, which insurance providers then consider when giving you a quote.
• Motorcycle Endorsement - Most motorcycle insurance companies will require a valid motorcycle license to provide you affordable rates.
• Location - Your state (even your specific zip code) will affect your insurance rates. Regarding motorcycle insurance, rates are higher in states with warmer weather, like California and Florida. Rates are increased there because people can ride more often. States with high populations also will see more expensive insurance rates due to the greater chances of getting into an accident. If your zip code is highly populated, you can see higher rates because of the number of drivers on the road.
• Coverage level - How much insurance you want will affect your rates. Suppose you’re looking for affordability and only want liability insurance. In that case, your premiums will be lower than a rider’s, with collision and comprehensive coverage added to their policy. However, it is essential to remember that skimping on coverage for a lower rate can put your finances at risk, especially if you have a total loss.

What has been outlined above are just some factors determining your insurance premiums. Other areas insurance providers look into include customer creditworthiness and a bike’s annual mileage.

Consult with an insurance agent, broker, or customer care representative to help you understand what has been considered when receiving a quote.

How can I get the Cheapest rates on Motorcycle Insurance?

Motorcycle insurance can get pricey, depending on your driving situation. Luckily, there are some steps you can take to lower your annual premiums. Motorcycle insurance discounts can vary state by state and by the company.

As an informed customer, getting cheap motorcycle insurance coverage at an appealing price is possible. Ask your insurer about these potential discounts on your motorcycle insurance policy.

Motorcycle safety course discount

There are several state-sponsored motorcycle safety courses available to you. Completing a motorcycle safety course shows your insurer that you are taking steps to become a safe rider, and, in turn, they will give you a course discount on your rates.

Multi-Policy Discount

A common way people save money on insurance quotes is by bundling. Bundling means you purchase multiple insurance policies with one company. For example, buy low-cost motorcycle insurance from the provider who holds your auto, homeowners' or renters' insurance policy. You may receive a discount on your rates.

Install safety features and anti theft devices

Some insurance providers will offer you discounted rates based on safety features and anti theft devices installed. The safer your motorcycle is, the less you should get into accidents, meaning fewer claims for insurers to pay for. Ask your insurance agent about the complete requirements for such a discount.

Stay claim free

Maintaining a clean driving record is the best way to keep your insurance quotes low. Claims can raise your rates, and if you go to change insurers, your record follows. Companies typically want to insure customers who practice safe driving and don’t come with a high insurability risk.

Motorcycle riders group discounts

Some providers may offer discounted rates on your motorcycle policy if you are part of a riding club or motorcycle association. When you go looking for a quote, check if there is a section for rider group membership. If your group is listed, you could get savings on rates.

Finding an Affordable Motorcycle insurance policy

The best way to find affordable motorcycle insurance is to research and shop around. It is crucial that you get quotes from various companies so that you can compare quotes and policies accurately as an informed customer.

Once you purchase an appealing policy, keep your rates low by staying claims-free and keeping up with payments. Lapses in coverage can make obtaining another insurance policy difficult.

Remember to inquire about discounts as well. There are several discounts insurance companies can offer a customer, and you want to take advantage of them. Finding good coverage at a reasonable price may take some work, but it’ll be worth it. You don’t want to wing it regarding insurance options, nor do you want to skim coverage to save some money on your quote.

Motorcycle insurance is only reasonable if it’s good quality and offers vital service. You have many options out there for a policy. Make sure you take your time to learn and understand what companies have to offer when searching for a quote.

Get a Cheap Motorcycle Insurance Quote Today

Hitting the open road on your motorcycle is an unforgettable experience. It’s just about you and the open road as you cruise. Your joyous, carefree day on the highway can easily be turned upside down thanks to a motorcycle accident. Motorcycle accidents happen frequently and can be not only physically harmful but financially, too.

For moments like those, low cost motorcycle insurance can be there to help. We can give you a free personalized online quote in 2 minutes or less.

For more information about Insurance Navy™ coverage, please call us to ask some of your frequently asked questions. We have the highest customer satisfaction rates of any insurance provider.

Motorcycle insurance provides coverage for the various expenses associated with an accident. Get Cheap Insurance Motorcycle Coverage today!

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*This Motorcycle Insurance product may only be available in some states; please call an insurance agent for more information.