Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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UPDATED: Oct 18, 2021

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In this day and age, to find the best of anything in terms of price, you would be wise to search the internet. Motorcycle insurance companies are no exception. To find the list of the best motorcycle insurance companies, you can do a Google search for motorcycle insurance, look up particular company names, or go to a website that compares multiple motorcycle insurance companies. It’s an excellent way to get the best, affordable premium if you’re a driver in the market for a new policy or company.

The easiest way to find some great offers on car insurance or motorcycle insurance is to type your ZIP code into the FREE search tool now!

Sometimes car insurance companies offer motorcycle insurance and other times it is offered by companies that specialize in motorcycle insurance only. Occasionally you can find good insurance rates through a motorcycle manufacturer, motorcycle club, or other organization that deals with motorcycles; even if they don’t offer insurance themselves, they may be able to provide you with a list of preferred motorcycle insurance providers. It is a good idea to check with several different sources to find the best rates and protection for your motorcycle.

Why is a motorcycle insurance policy so important?

Motorcycles are among the most dangerous vehicles on the road, so it only makes sense to insure them. TrafficSafety.org provides a number of eye-opening statistics, including the fact that in 2006, motorcycle riders were thirty five times more likely to die in a crash than passenger car occupants. Another interesting statistic is that motorcycles are involved in 10% of crashes on the road, even though they comprise only 2% of the total vehicles in use. Unfortunately that means there are probably medical bills and property damages involved, which can be costly.

Every state has some sort of motorcycle insurance requirement. The levels of coverage required for damage and bodily injury vary greatly from state to state, but liability coverage is the most commonly required type of insurance.

Even beyond the legal requirement, insurance is necessary for any motor vehicle, but the increased likelihood of accident and fatality that comes with motorcycles makes insuring them even more important. Getting the sort of catastrophic injury that can happen from a motorcycle accident can be extremely expensive; more than most people could afford without insurance. Liability and medical insurance coverage are an absolute must for motorcycle riders.

This means you may end up paying more for your motorcycle insurance rates, but not having to pay for medical costs out of pocket will end up being worth it. You just want to make sure you understand what your coverage limits are. If it seems you can get away without extra types of coverage, you could end up saving money.

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What is the typical cost of motorcycle insurance?

Motorcycle insurance is generally less expensive than car insurance. This may seem illogical, given the frequency of motorcycle accidents, but you need to keep in mind that motorcycles are much cheaper to repair or replace than cars, and they do not do as much damage to other vehicles when they hit them.

You can reduce the cost of your motorcycle insurance in many of the same ways that you can make your car insurance more affordable. One of which is looking into motorcycle insurance discounts that may be offered to you. You can get multiple policies with the same company to cover the different things you need to insure; you can take a motorcycle safety course, or join a group or organization that qualifies for a discount. Rider safety is incredibly important, and also rewarded.

You also may get a lower rate based on your age or where you live. Most car insurance companies will discount your rate if you have owned a motorcycle before. It also depends on what sort of policy you have; if you’re paying for both collision and comprehensive coverage your rate is going to be higher.

You can also end up paying less the older you are; a provider is going to see an older person as a more experienced rider who knows what they’re doing and is less likely to be involved in a crash or accident of any sort. Low-risk riders such as those who have more experience can end up paying a lower overall cost than a younger person, even if the younger person is also a safe driver.

In any case, the cost of insurance is less than the cost of the paying for an accident out of pocket, not to mention the cost of being ticketed for riding without insurance. It is also important to keep in mind that the overall cost of ownership is less, since motorcycles use so much less gas than cars. When you have the choice between extra coverage and a lower average cost, you may want to take the extra protection and find discounts to balance them out.

What are the types of motorcycles and the effect on insurance costs?

Recent estimates indicate that about 9% of Americans currently own a motorcycle, but the type of motorcycle tends to vary due to personal preferences and the cost of the vehicle. There are cruisers, sport bikes, touring motorcycles, standard motorcycles and the more economical types like mopeds and scooters. Each type of motorcycle has its own attributes that might make insurance cost more or less.

Sport bikes and other bikes built for performance and high speed are generally more expensive to insure.

High-end motorcycles like those made by Harley Davidson also tend to cost more to insure. At the other end of the spectrum, mopeds and scooters are very cheap to insure and usually have low monthly payments.

To find a fitting insurance policy and rate for your type of motorcycle, or to find a deal on both motorcycle and car insurance together, type your ZIP code into the search box and use the FREE rate finder tool today! There’s a wide range of companies out there who offer affordable coverage and various payment options when it comes to a motorcycle policy, no matter what type of bike you have, and this is a great way to get assistance in finding them. Do yourself a favor and look into various companies, for your own financial protection.