Last updated: March 2026
How Much Does Motorcycle Insurance Cost?
Without Insurance
$50 – $200
Average: $125
With Insurance
$0 – $0
Average: $0
Advertisement
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Liability Only | $20 – $75 | $0 – $0 |
| Full Coverage (standard bike) | $50 – $150 | $0 – $0 |
| Full Coverage (sport bike) | $100 – $300 | $0 – $0 |
| Full Coverage (cruiser) | $40 – $120 | $0 – $0 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Liability required in most states; full coverage optional
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
Advertisement
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Liability: $20-$75/month. Full coverage: $50-$200/month. Sport bikes cost 2-3x more to insure than cruisers.
Liability insurance is required in most states (except Florida for registered owners over 21 with enough assets, and a few others).
Take a safety course (10-15% discount), bundle with auto, increase deductible, choose a cruiser over sport bike, maintain clean driving record.
Disclaimer: Costs shown are estimates based on national averages and may vary by location, provider, and insurance plan. This information is for educational purposes only and is not medical advice. Consult your healthcare provider and insurance company for exact costs. Read full disclaimer.
Sources: FAIR Health Consumer, Healthcare Bluebook, CMS Medicare Fee Schedules, GoodRx, and published clinical pricing data. Last updated: 2026-03-15.