Motorcycle Insurance costs, by state and province

Typical costs for motorcycle insurance per year. Bike type, riding history, and coverage limits affect the rate. Open a market below for a local estimate.

Motorcycle insurance premiums depend on factors like engine size, rider age, driving record, and location. A typical full-coverage policy for a standard bike ranges from $500 to $1,200 per year. Minimum liability coverage can be as low as $200 annually.

Factors That Affect Your Premium

Engine displacement is a major factor: bikes over 1,000cc often cost 50% more to insure. Riders under 25 pay an average of $1,000 to $2,500 per year for full coverage.

Coverage Types and Minimum Requirements

Liability-only policies meet state or provincial minimums and cost $200 to $500 yearly. Full coverage includes collision and comprehensive, adding $300 to $700 more per year.

How to Lower Your Motorcycle Insurance Rate

Taking a safety course can reduce premiums by 10–15%. Bundling with auto insurance saves $100–200 annually, and raising the deductible from $500 to $1,000 cuts rates by up to 20%.

Typical Motorcycle Insurance prices
ItemTypical range
Average Annual Premium (Full Coverage)$500 - $1,200
Minimum Liability Only$200 - $500
High-Risk Rider (DUI/tickets)$1,500 - $3,000
Annual Rate for Sportbike vs Cruiser$800 - $2,000

Every market for motorcycle insurance costs

383 markets have a page, each with a typical range where we have one and plain guidance on what moves the price.

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