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To some, life on two wheels is the only option. They live the ride-or-die lifestyle all day every day. To others, a motorcycle is a fast way to break out of the day-to-day routine or 9-to-5 work week. There are also the mid-life crisis riders. But no matter who, how, where or why, protection is a must for all.

Why Do I Need Motorcycle Insurance?

While owning a motorcycle is a great way to blow your hair back in life, it does come with risks. 

Even more dangerous than getting injured yourself is the possibility of not being properly insured and facing damaging lawsuits, massive medical bills and more. Plus, if you lease or have a loan, there’s a pretty good chance your lender will require this coverage.

How Much Does Motorcycle Insurance Cost?

Motorcycle insurance premiums can range anywhere from a couple hundred bucks to more than $1,000 per year—varying by state, company and a whole saddlebag full of other factors. 

Factors that can affect cost:

  • Where you live: Nearly every state has different minimum liability limits, as well as requirements for collision coverage.
  • What you rideThe make, model and year of your motorcycle will affect the cost of insurance. Just like a car, a new bike costs more to repair or replace than an old one. And if you’ve souped it up with a turbo kit or a more powerful engine, you can expect your premium to reflect that.
  • Who you are: Your age and driving history are also taken into consideration with liability insurance. Statistically speaking, younger drivers are more likely to be in a serious accident, which means the cost of coverage is higher. Motorists with a history of collisions and traffic violations will also pay more.
  • How you ride it: If you use your bike every day to get to and from work, your risk for an accident is higher. If you only take it out for weekend joyrides, you are not as likely to encounter as many hazards.
  • Where you keep it: If you keep your motorcycle locked in a garage when not in use, this will result in lower premiums than if you leave it on the street.
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Motorcycle Insurance Coverages

Covers treatment costs if someone is hurt.

Covers treatment costs if multiple people are hurt.

Covers repair costs if property gets damaged.

- Motorcycle Insurance -

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