Average motorcycle insurance Cost in the USA: A short Overview in 2021

Last Updated on 2 years by Honest Bikerz

The total amount of average motorcycle insurance Cost  in the United States is $1,173 a year for a full-service package.

Average Motorcycle Insurance Cost in USA

Motorcycle insurance works like that in several respects. Like motorcycle insurance, motorcycle insurance requires a minimum risk requirement and is entitled to additional protection. Like auto insurers, you will have to pay motorcycle insurance for more coverage forms, with the lowest deductibles you will have to pay if you are in an accident. If you have a motorcycle license it will be easy for you to make insurance.

Average Cost of Motorcycle Insurance?

The insurance on motorcycles will cost from $100 to over $1000 a year.

Many factors determine your motorcycle insurance price and understanding that will allow you to consider how the quotation is constructed. The policy plans you choose for your motorcycle insurance, similar to car insurance, will affect the price you spend at a monthly or annual cost. Such factors can play a role in influencing your average motorcycle cost.

1. Location

Riding conditions differ from state to state in the United States. Since certain places and states have a short motorcycle season, insurance can be lower-cost, as do those that experience snowy cold winters. Riders in areas ideal for riding all year round, though, can get higher insurance rates.

2. Type of bike

You’re undoubtedly aware that the worth of your motorcycle influences the quality of your insurance. Top-of-the-line coverage for a relatively new bike costs more than an old motorcycle.

3. Use of motorcycle

If you are a casual cyclist, you can inform your agent that prices are usually lower for people who ride their bikes on occasions.

4. Riding experience

Generally speaking, the rate reduces until you hit your 70s as you are older. Since teenagers face the most considerable risk for insurers, motorcycle insurance usually pays higher. An elderly, unfit for motorcycle insurance can pay a higher price than a much younger, experienced rider.

5. How you integrated your ride?

If you’ve made improvements to your bike that add value, you’ll want to protect them with the proper protection. We will add protection to secure your bike better and all of the places you’ve personalized it. We have everything from sports bikes to retro choppers.

What does motorcycle insurance cover?

The insurance policies for motorcycles will help cover your bikes, scooters, or trikes, whether this is the primary mode or the weekend trip. Also, protection can assist you in the event of an injury. In reality, to travel safely on the road, certain states require motorcyclists to buy specific insurance coverage quantities.

Coverage and responsibility for body injuries

Health offset problems like hospital expenditures and loss of earnings caused by a driver’s accident or death if you are wrong. In some countries, this responsibility also applies to motorcycle riders. In other Jurisdictions, the burden of guests will be sold as individual coverage. Please remember that your medical bill would not pay for that coverage.

Coverage for property damages

It helps compensate for harm to the property of another person if you are in default. For example, if you damage other cars, private homes, shop fronts, or other buildings, it can help pay for maintenance. This cover does not account for your motorcycle repairs.

Coverage for medical expenses

Help pay fair and required health costs, such as ambulance and X-ray journeys, resulting from injuries to you or your motorcycle passengers.

Exhaustive coverage

Covers damage your motorcycle that is not the result of a collision with another car or object, such as flooding, storm, arson, and burglary. Usually, you are responsible for repairs up to your bike’s real cash value. Moreover, you should pick your deduction.

Personal accident insurance

When you are injured in an accident, this sort of compensation will help pay you for hospital costs, missed wages, funeral expenses, childcare, and other expenses. This safeguard is not possible in every state.

How coronavirus impacts your motorcycle insurance?

Motorcycle owners, including car drivers, are taking to the highways in smaller numbers as the coronavirus spreads. Although you must maintain coverage to ride your motorcycle safely, your insurer could have given shelter-in-place paybacks.

Depending on which motorcycle insurance provider you buy a policy from, a part of your annual premiums can be distributed to you.

Which insurance is best for bikes?

The excitement of the open road is something that motorcycle enthusiasts adore. It is not without its dangers. The risks associated with motorbikes are unique, and crashes can be severe. This is why it is critical that the motorcycle insurance package provides proper cover against failure due to physical injury, property damage, and more. It would be better if you had a business that recognizes the specific risks of motorcycle crashes. To assist us, we have established some of the best motorcycle insurance plans on the market today.


Allstate is a popular insurance name and one of the biggest personal insurance companies in the USA. Motorcycle insurance from Allstate has a few exclusive benefits that are particularly useful to young drivers. The Allstate Rider Protection Project is a safety awareness initiative that provides educational opportunities for motorcycle drivers. The First-Accident Waiver forgives the first motorcycle accident without raising your insurance premium. Health payments, personal accident prevention, crash, extensive, uninsured/underinsured motorist, off-road vehicle transport and trailer risk insurance, property loss/bodily injury liability, optional/added service policy, and others are among the coverage choices available.


Farmers Insurance allows you to cover your car, house, motorcycle, and life insurance all from the same insurer and get a discount. If you already have Farmers insurance, it makes sense to apply motorcycle insurance to your current plans. Aside from the multi-policy value, there is also a discount for an activated safety course, airbags, anti-lock braking, and a preferred operator discount. Coverage provision includes liability for body damages, accident, extended emergency payments, coverage for protective clothing, an extra $15.000 coverage for vehicles, up to $7,500 coverage for trailer travel, towing, and roadside aid.


Dairyland Insurance is the Sentry Insurance division based in 42 countries specializing in non-standard motorcycle insurance for locals. For high-risk drivers who must apply financial liabilities to their state, SR-22 insurance is available. There are various motorcycle models, including mopeds, scooters, Honda, India, Suzuki, Yamaha, and more eligible motorcycle insurance. The compensation choices include property damage and responsibility for bodily harm, accidents, detailed motorcycles, delay of the journey, help on the road, alternative charges, loan returns, uninsured motorist, property damage, and bodily injury.

How much is motorcycle insurance per month?

You cannot get a correct answer. You must contact an insurance provider, who will ask you all your life, driving records, and the kind of bike you choose to be covered along with your coverage.

An explanation that is going to be well under what I think you will get. It explains why the knowledge you want is not a reliable source: If you are a 58-year-old, highly-trained, former safety coach with 40 years of experience, and you ride a 1200cc sportbike and have 500,000 dollar policies, you have to pay 20 dollars a month.

Is motorcycle insurance expensive for a 19-year-old?

No, That’s not true. The actual expense over 19 years would vary on certain factors. In general, by comparing to a 26-year-old adulation, you will note that the quote for motorcycle insurance is 25-30% higher or higher for age 19.

You may have asked that the insurance premiums fell sharply for parents when they were 26 years old. This is because figures suggest a far lower rate of deaths between 26 and 65 than those not in this age range.

Bike benefits for 19-year-olds would be more costly than for women because of numbers, of the multiple reasons that play a part in rates. Although there are more men than women riders, the proportion of accidents that happen during this period in their lives remains dominated by men.

How much does motorcycle insurance cost for a 21-year-old?

The estimated cost of motorcycle insurance for a 21-year-old is between $900 and $1000.

Although the leading cause of the cost is the driver’s inexperience, there are options to reduce the fee while ensuring enough coverage.

How much is motorcycle insurance for a 22-year-old?

The estimated cost of bike insurance is about $4,128 annually or around $350 a month for 22-year-olds. Age 22 standard payments are for $300 under the age of 21 and $300 under 23. Young drivers under 25, mostly young people, usually pay for bike insurance compared to older drivers.

How much is insurance for a 16-year-old with a motorcycle?

For 16-year-olds, the cost of motorcycle insurance is always even considerably higher than for old drivers. We also found that average motorcycle insurance costs for 16-year-olds are around $877 a year following quotations collected from all over the world.

States with the most affordable motorcycle insurance

  • North Dakota – $283
  • Iowa – $323
  • Oklahoma – $341
  • New Hampshire – $352
  • Wyoming – $354

The midwest and great plains account for four of the five states with the most affordable motorcycle insurance. Biking is extremely common in low-priced countries and has reduced per citizen the number of motorcycles. New Hampshire, for example, has 79,000 registered motorcycles, which is roughly 1 per 17 persons and a population of 1,3 million.

States with the most expensive motorcycle insurance

  • Rhode Island ($4,337).
  • Kansas ($4,208).
  • Michigan ($4,123).
  • Utah ($4,115).
  • Arizona ($4,005).

At what age does motorcycle insurance go down?

Motorcycles have a terrible reputation for being unsafe. It’s critical to have the right motorcycle insurance policy in case of an accident, in addition to having the right gear. Motorcycle insurance is typically inexpensive, although few considerations can affect the premiums’ cost. Your age is one of these considerations.

Riders under the age of 25 often pay a higher premium for protection because they are considered young and more likely to be involved in a crash. Motorcycle insurance premiums decrease as riders hit the age of 25. This decline in men’s testosterone levels can be as high as 20%. Up to 15% of women’s earnings are lost. This disparity arises from the fact that men pay higher insurance rates in total.

Why is motorcycle insurance so high?

This is very straightforward; your bike could participate in a fire at home or even a mechanical failure on the bike. If this happens, the net amount of a motorcycle would be paid by the insurer.

The more costly the bike, the more expensive it would be to settle the demand. This is another reason why the value of your motorcycle could impact your fee.

Which motorcycle has the cheapest insurance?

Smaller motorcycles are generally the cheapest to insure as long as small motors do. Smaller motors mean less speed and less risk. Do not confuse smaller bikes with scooters. Insurance companies and scooters fall under a separate group.

Should you get full coverage on a motorcycle?

Yes, you can get full coverage on a motorcycle. Full-coverage motorcycle insurance provides for maintenance or replacement if your bike is broken or stolen, as well as any damages you incur in an accident. In most cases, it covers compulsory and collision protection, as well as any state-mandated coverages. However, the only way to defend the bike is by a comprehensive coverage scheme. In general, these plans are far more costly than the one that merely covers governmental responsibility.

Is bike insurance cheaper than a car?

Many people prefer to perceive car insurance to be more lucrative than automobile insurance. The method of thinking behind this makes sense: bikes are much riskier than cars. The more hazardous a motorcycle, the more costly a car policy is, the less expensive it will be to cover a bike.

This isn’t the case, though. Motorcycle insurance is not only cheaper than auto insurance, in most cases, but also cheaper. This is relatively simple because bikes generally cost much less than cars. If you complete and need to repair your motorcycle, it will normally only cost a few thousand, sometimes only a couple of hundred dollars.

Are older motorcycles cheaper to insure?

In most cases, insurers will pay a lower price for insuring an old motorcycle. For starters, you’re more likely to take better care of your old bike, leaving it well-maintained and in perfect condition.


I hope you have understood the average motorcycle insurance premium before you purchase a package. We examine the cost of motorcycle insurance and what factors can decide your premium.

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