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


Drivers under the age of 25 will pay higher premiums because they have less driving experience and are statistically proven to have more accidents.

Driving Record

Riders with a clean driving record will pay lower premiums compared to riders with accidents and tickets on their record.

Your Motorcycle

The motorcycle you insure will also affect your insurance premium. Factors that contribute to higher or lower insurance premiums include the price, age and horsepower of the motorcycle. Any customizations must be reported because they may also affect your insurance premium.

Your Location

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

Type of Coverage Needed

Aside from the mandatory liability insurance you must purchase for your motorcycle, you may purchase more endorsements for extra protection. Additional endorsement and your deductible amount will increase or decrease your insurance costs.

Do you need more information about motorcycle insurance? Our agents and customer service representatives are here to help. 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.

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