How Much Does Motorcycle Insurance Cost

The open road is calling and you want to answer that call. But first, motorcycle insurance. That added layer of protection is a must to protect you and your bike, but how much does motorcycle insurance cost?

Similar to car insurance, there are a number of factors that can affect how much you’ll pay for motorcycle coverage. We’ve compiled a list that will give you a better view of motorcycle insurance.

Type, year, model, etc. You probably already know that the value of your motorcycle will affect your insurance. A brand new, top-of-the-line model will cost more than an older, used motorcycle.

Motorcycle use. Make sure to let your agent know if you’re just a recreational rider; rates are typically less for people who only use their bike occasionally rather than as a primary mode of transportation.

Demographics. Your age and your location may factor into the cost of your motorcycle insurance.

Customized features. If you’ve modified the bike in a way that adds value and is important to you, you’ll want to protect your upgrades with the right coverage.

Type of coverage. This is up to you, depending on whether you want the minimum coverage your state requires, or if you would you like to more protection — and peace of mind.

Motorcycle Insurance Discounts

The good news is there are a lot of different ways you can take advantage of motorcycle insurance discounts.

Smart payments. Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

Savvy habits that save. You deserve credit for being smart about motorcycle safety. Save with our Motorcycle Safety Course, Cycle Safety Equipment and Cycle Anti-Theft Equipment discounts.

Multi-product discount. Have multiple policies with us? That’s great! Bundling your policies is a great way to save.

Continuous coverage discount. At American Family, we reward smart habits. So, if you have no lapses in your motorcycle insurance coverage and keep it protected in the off-season, you could qualify for a discount on your policy!

There are other factors that can play into your motorcycle insurance costs and the discounts you are eligible for. Talk to an American Family Insurance agent to find the best plan for you and your bike. Then hit the open road and enjoy your ride!


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