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. 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. 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.

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.