How Much Does Motorcycle Insurance Cost?

Motorcycle insurance can cost anywhere from about one hundred dollars to over a thousand dollars per year. When the open road is calling, you may want to answer that call. But you’ll need motorcycle insurance first.

That added layer of protection is a must to safeguard you and your bike, but how much does motorcycle insurance cost? And what determines how much you’ll pay for it? Let’s take a look at how insurance quotes are put together to cover you and your motorcycle.


How Is Motorcycle Insurance Calculated?

Many variables go into determining your motorcycle insurance premium, and knowing them can help you understand how the quote is built. Similar to auto insurance, the coverage options you select for your motorcycle insurance can influence the amount you’ll pay in a monthly or annual premium. These factors can be key players that impact the average cost of your motorcycle coverage:

Your physical location

Riding conditions vary across the U.S. Since some areas and states have limited motorcycle season — like those that see snowy, cold winters — insurance can be less expensive. Riders in locations that are suitable for year-round riding, however, may find higher premiums for insurance.

Your bike’s make, year and model

You probably already know that the value of your motorcycle will affect the cost of your insurance. Coverage for a brand new, top-of-the-line model will cost more than an older, used motorcycle.

Motorcycle use

Are you riding your motorcycle recreationally or for commuting between work or school? If you are a recreational rider, you’ll want to let your agent know since rates are typically lower for people who only use their bike occasionally.

The year you were born

Your age, like your location, can factor into the cost of your motorcycle insurance. But as you’ll find in the discounts section, we have ways to help you save on your coverage regardless of your age.

Your riding and driving record

You’ll find your premium can also be impacted by your driving history. This can include the number of claims, accidents and tickets you’ve had in the past few years.

The way you’ve customized your ride

If you’ve modified your bike in a way that adds value, you’ll want to protect those upgrades with the right coverage. We can add coverage to help protect your bike and all the ways you’ve made it your own. From sports bikes to classic choppers, we’ve got you covered.

The type of coverage you choose

Whether you want the minimum coverage your state requires — or if you prefer more protection and peace of mind — the amount of coverage you choose impacts the cost of your insurance.

What Additional Motorcycle Coverage Is Available?

Finding extra protection for your finances and your ride is easy with American Family. We’ll help you find peace of mind with insurance that goes above and beyond.

Collision coverage

This coverage helps to protect you in many ways above your standard policy. This includes coverage such as damage resulting from an accident with another vehicle or object.

Comprehensive coverage

This coverage protects your motorcycle from damage that doesn't involve other vehicles — like theft, vandalism and animal strikes.

Emergency roadside service

When your bike breaks down or if you just run out of gas, we’ll get a service technician out to help — or even tow your bike if necessary. It’s inexpensive coverage that really can pay off when help can be hard to find.

Medical expense coverage

Get help paying for medical costs if you’re hurt while you’re out riding.

Uninsured motorist insurance

This coverage protects you if you or anyone riding on motorcycle is hurt in an accident that was caused by an uninsured vehicle or a hit-and-run driver.

Underinsured motorist coverage.

This coverage helps pay for the balance when another driver is at fault and doesn’t carry enough insurance.

How Can You Lower Your Motorcycle Insurance Rates?

There are a lot of different ways you can take advantage of American Family’s motorcycle insurance discounts to avoid higher rates. Popular motorcycle discounts we offer include:

Multiple cycle discount

Do you have more than one bike? If so, you can save on your policy with this discount.

Continuous coverage discount

Having no lapses in your motorcycle insurance coverage and keeping your bike protected in the off-season can net you this discount on your policy.

Motorcycle safety course discount

Taking a motorcycle safety training course provided by the Motorcycle Safety Foundation is another way you can save on your policy.

More ways to save

From safe biking practices to going paperless, take a look at these additional discounts that can help you save on motorcycle insurance:

  • Having extra safety features, like anti-lock brakes
  • Paying your premium in full
  • Signing up for automatic payments
  • The more years you’ve been riding your cycle, the greater the discount you’ll receive

Other factors can play into the price of your motorcycle insurance premium and the discounts you are eligible for. Talk to your American Family Insurance agent and download the MyAmFam app below to find the best plan for you and your bike. Then hit the open road and enjoy your ride with peace of mind provided by your motorcycle insurance coverage.


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