Motorcycle insurance costs average $141 per year or $12 monthly for minimum coverage and $364 annually or $30 monthly for full coverage motorcycle insurance policies. But motorcycle insurance prices vary based on your age, location, motorcycle type and coverage level.
How Much Is Motorcycle Insurance? (Average 2025 Rates)
Updated: October 17, 2025
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Key Takeaways
The price of motorcycle insurance depends on your unique profile, with rates ranging from $83 to $1,446 annually on average.
Motorcycle insurance costs much less than auto insurance with rates that are 76% lower for minimum coverage and 59% less for full coverage.
Save the most on motorcycle insurance premiums by taking a driver safety course, getting an official bike license and comparing motorcycle insurance quotes from multiple providers.
Average Motorcycle Insurance Cost
| Minimum Liability Coverage | $12 | $141 |
| Full Coverage | $30 | $364 |
*Rates are for a 40-year-old driver with no violations insuring a 2018 Honda Rebel 500 ABS.
How Much Does Motorcycle Insurance Cost in My State?
Motorcycle insurance costs differ by state, ranging from $9 to $35 per month. State insurance prices vary widely, with quotes changing based on location due to local regulations and risk factors. How much motorcycle insurance should cost in your state depends on required coverage levels and local risk factors. Below you can review motorcycle insurance median costs by state for minimum and full coverage policies in your area.
Hover over the map to see data for a state
*Rates are the median cost of state minimum liability coverage and full coverage for a 40-year-old driver with no violations insuring a 2018 Honda Rebel 500 ABS.
Average Minimum Coverage Motorcycle Insurance Cost by State
Minimum liability motorcycle insurance costs range from $6 to $24 monthly across states. These rates reflect each state's required coverage levels and legal minimums for motorcycle riders. Motorcycle insurance costs less in rural states with lower accident rates and theft risk. Find your state below to see how much you should pay for minimum coverage motorcycle insurance in your area.
| Alabama | $8 | $90 |
| Alaska | $6 | $75 |
| Arizona | $9 | $103 |
| Arkansas | $8 | $94 |
| California | $15 | $179 |
| Colorado | $8 | $91 |
| Connecticut | $13 | $151 |
| Delaware | $20 | $241 |
| Florida | $11 | $135 |
| Georgia | $9 | $103 |
| Hawaii | $9 | $112 |
| Idaho | $10 | $116 |
| Illinois | $15 | $176 |
| Indiana | $9 | $107 |
| Iowa | $8 | $91 |
| Kansas | $8 | $98 |
| Kentucky | $11 | $131 |
| Louisiana | $14 | $170 |
| Maine | $13 | $161 |
| Maryland | $13 | $154 |
| Massachusetts | $12 | $139 |
| Michigan | $16 | $186 |
| Minnesota | $7 | $85 |
| Mississippi | $9 | $107 |
| Missouri | $19 | $225 |
| Montana | $7 | $86 |
| Nebraska | $14 | $167 |
| Nevada | $9 | $109 |
| New Hampshire | $17 | $206 |
| New Jersey | $23 | $271 |
| New Mexico | $19 | $226 |
| New York | $10 | $124 |
| North Carolina | $7 | $85 |
| North Dakota | $9 | $102 |
| Ohio | $10 | $115 |
| Oklahoma | $11 | $130 |
| Oregon | $12 | $142 |
| Pennsylvania | $8 | $100 |
| Rhode Island | $24 | $288 |
| South Carolina | $16 | $192 |
| South Dakota | $9 | $108 |
| Tennessee | $7 | $89 |
| Texas | $15 | $184 |
| Utah | $10 | $119 |
| Vermont | $13 | $158 |
| Virginia | $16 | $198 |
| Washington | $8 | $91 |
| West Virginia | $21 | $254 |
| Wisconsin | $11 | $127 |
| Wyoming | $7 | $88 |
*Rates are the average cost of motorcycle insurance for state minimum liability coverage for a 40-year-old driver with no violations insuring a 2018 Honda Rebel 500 ABS.
Average Full Coverage Motorcycle Insurance Cost by State
Full coverage motorcycle insurance premiums range from $14 to $47 monthly depending on your state. These comprehensive policies include liability, collision and comprehensive protection for complete motorcycle coverage. Full coverage motorcycle insurance includes protection against theft, vandalism and collision damage.
| Alabama | $23 | $273 |
| Alaska | $17 | $200 |
| Arizona | $32 | $380 |
| Arkansas | $34 | $411 |
| California | $32 | $380 |
| Colorado | $27 | $321 |
| Connecticut | $29 | $349 |
| Delaware | $39 | $466 |
| Florida | $25 | $297 |
| Georgia | $33 | $399 |
| Hawaii | $29 | $351 |
| Idaho | $29 | $352 |
| Illinois | $35 | $417 |
| Indiana | $37 | $449 |
| Iowa | $20 | $238 |
| Kansas | $19 | $231 |
| Kentucky | $38 | $456 |
| Louisiana | $38 | $459 |
| Maine | $27 | $319 |
| Maryland | $31 | $373 |
| Massachusetts | $28 | $335 |
| Michigan | $38 | $456 |
| Minnesota | $19 | $224 |
| Mississippi | $44 | $530 |
| Missouri | $41 | $496 |
| Montana | $14 | $170 |
| Nebraska | $29 | $344 |
| Nevada | $40 | $485 |
| New Hampshire | $30 | $358 |
| New Jersey | $46 | $557 |
| New Mexico | $35 | $418 |
| New York | $23 | $282 |
| North Carolina | $31 | $377 |
| North Dakota | $19 | $222 |
| Ohio | $26 | $315 |
| Oklahoma | $27 | $319 |
| Oregon | $31 | $368 |
| Pennsylvania | $24 | $284 |
| Rhode Island | $47 | $565 |
| South Carolina | $30 | $360 |
| South Dakota | $20 | $237 |
| Tennessee | $34 | $411 |
| Texas | $39 | $472 |
| Utah | $31 | $376 |
| Vermont | $28 | $337 |
| Virginia | $34 | $413 |
| Washington | $24 | $288 |
| West Virginia | $41 | $490 |
| Wisconsin | $24 | $291 |
| Wyoming | $21 | $247 |
*Rates are the average cost of motorcycle insurance for state minimum liability coverage for a 40-year-old driver with no violations insuring a 2018 Honda Rebel 500 ABS.
Average Motorcycle Insurance Cost by Age
Motorcycle insurance costs depend heavily on your age. Younger riders pay more due to higher accident risk, while middle-aged motorcyclists enjoy the lowest rates. Motorcycle insurance costs decrease through your 20s and 30s, then slightly increase for seniors. 16-year-old riders face the highest premiums, while 19-year-olds and 20-year-olds see moderate reductions in costs. Below, you can check how much motorcycle insurance may cost for both minimum and full coverage for those aged 16 to 80.
*Rates are for a rider with no violations insuring a 2023 Honda CRF450RL.
Average Motorcycle Insurance Cost by Driving Violation
Motorcycle insurance rates increase anywhere from 7% to 68% depending on the driving violation. DUI violations have the most severe impact on policy costs, while minor speeding tickets cause smaller increases. Our analysis shows major violations can nearly double the cost to insure a motorcycle. Below you can review average premiums for common violations for riders.
Driving Violation | Average Annual Minimum Coverage Premium | Average Annual Full Coverage Premium |
|---|---|---|
Speeding | $165 | $742 |
At-Fault Accident | $177 | $933 |
DUI | $180 | $958 |
*Rates are for a 40-year-old driver insuring a 2023 Honda CRF450RL.
Average Cost of Sport Bike Insurance
Sport bike motorcycle insurance costs span a wide range between minimum and full coverage options. Basic liability coverage starts at $29 monthly, while comprehensive full coverage reaches $329 per month. Sport bike motorcycle insurance reflects higher theft rates and repair costs compared to standard motorcycles.
| Minimum Coverage | $29 | $347 |
| Full Coverage | $329 | $3,948 |
*Rates are for a 40-year-old driver with a clean record and five years of driving experience insuring a 2021 Honda CVR1000R.
Motorcycle Insurance Prices: Buying Guide
Motorcycle insurance costs depend on multiple factors, from your coverage choices to your bike type and location. This guide breaks down motorcycle insurance prices and shows you how much motorcycle insurance costs compared to car insurance, plus strategies to find affordable coverage.
Is Motorcycle Insurance Expensive?
Compared to traditional auto insurance, motorcycle insurance costs approximately one-fourth the price of auto policies for minimum coverage, and full coverage costs half as much. How much motorcycle insurance costs compared to car insurance depends on coverage level, but motorcycles consistently cost less to insure.
| Motorcycle Insurance | $141 | $364 |
| Car Insurance | $805 | $1,709 |
*Rates are the median cost of motorcycle insurance for state minimum liability coverage for a 40-year-old driver with no violations insuring a 2018 Honda Rebel 500 ABS
What Affects Motorcycle Insurance Costs?
Motorcycle insurance costs depend on multiple factors that insurers use to assess risk. We researched the factors that affect motorcycle insurance costs below to help you understand pricing and find the best rates for your needs.
Coverage Level
Motorcycle insurance prices increase with higher coverage levels. Switching from minimum liability insurance to full coverage with 100/300/50 limits and $1,000 deductibles increases costs by 158%. Knowing how much motorcycle insurance you need helps you balance cost and protection. Full coverage adds collision and comprehensive protection to your basic liability policy. Familiarize yourself with the different types of motorcycle insurance coverage before purchasing a policy to help you make informed decisions.
Age and Gender
Younger riders pay the highest rates. Motorcycle insurance costs decrease as you gain riding experience through your 20s and 30s. Women tend to pay slightly lower rates than men due to lower accident risk on average, similar to auto insurance pricing patterns.
Marital Status
Being married lowers motorcycle insurance costs, which contrasts with car insurance policies. A married 40-year-old in Colorado pays 22% lower insurance rates with Progressive compared to single riders. Marriage signals stability and reduced risk to insurance companies.
Driving Record
Rates increase with violations on your record by up to 68% for full coverage and 17% for minimum coverage. Clean records earn the best rates across all insurers.
Your Motorcycle Details
While this typically doesn't affect liability insurance costs, the motorcycle you have heavily influences full coverage costs. Full coverage motorcycle insurance costs depend on your bike's value and type. Sport bikes cost more to insure due to higher theft rates and expensive repair costs. Standard motorcycles under 500cc typically cost least to insure, while touring bikes with expensive accessories increase premiums.
License Status
Depending on whether you have an auto license, a motorcycle endorsement or an official motorcycle license, rates can vary widely. Riders without motorcycle endorsements pay 12% more for full coverage with Progressive. NHTSA data shows 34% of fatally injured motorcyclists lacked valid licenses, so insurers reward proper certification with lower rates.
Location
Due to various concerns with accident and violation records, traffic patterns and other road statistics, location heavily influences motorcycle insurance rates. Urban areas typically see higher rates due to increased accident risk, while rural states often offer lower premiums. State minimum requirements also influence base costs.
How to Lower Motorcycle Insurance Costs
Finding the best and cheapest motorcycle insurance for your situation can be challenging. To guide you through the process, we've organized key tips to ensure you're finding the coverage you need.
- 1Decide on Coverage Beforehand
Deciding how much motorcycle coverage you need for your situation allows you to clearly compare average costs to provider quotes. It also prevents agents from influencing you into higher coverage levels that you may not need.
- 2Adjust Deductibles
Adjust deductibles strategically to reduce your motorcycle insurance costs. Raising your deductible from $500 to $1,000 typically reduces premiums by 10% to 15%, while increasing to a $2,500 deductible cuts costs by 20% to 30%.
- 3Take Advantage of Discounts
Look for discounts you can easily qualify for including bundling, safety course discounts, membership and home ownership premium reductions.
- 4Increase Your Credit Score
Increase your credit score to lower the cost to insure your bike. Most states allow insurers to use credit scores when determining premiums, and the difference between poor and excellent credit affects your rates substantially.
Riders with excellent credit (750+ scores) pay 30% to 40% less than those with poor credit (below 580). A motorcyclist with a 500 credit score might pay $600 annually, while someone with an 800 credit score pays $360 for identical coverage.
- 5Compare Several Providers
Compare quotes annually because motorcycle insurance costs change by 36% between insurers. But you shouldn't just compare multiple providers through one platform, but through multiple since rates vary online and with agents.
- 6Drive Safe & Take a Defensive Driving Course
Maintain a clean driving record since violations increase motorcycle insurance costs by up to 68%. Complete a motorcycle safety course to earn 5% to 15% discounts from most insurers. Choose high-quality safety gear, as some insurers offer discounts for proper safety equipment.
Cost of Motorcycle Insurance: Bottom Line
How much you pay for motorcycle insurance depends on your specific profile, but rates remain much lower than auto insurance policies. Motorcycle insurance costs can still impact your budget without proper strategy. We recommend taking advantage of discounts whenever possible and comparing multiple motorcycle insurance providers to optimize your rates.
Whether you're seeking minimum coverage or comprehensive protection, understanding motorcycle insurance costs helps you make informed decisions when shopping for coverage. Rates differ widely by state, age and bike type, but strategic shopping and discount optimization can save hundreds of dollars annually while keeping you properly protected.
Average Motorcycle Insurance Cost: FAQ
We answer common questions about motorcycle insurance to help you find the policy that best suits your needs.
How much does motorcycle insurance cost?
Motorcycle insurance costs vary based on multiple factors, including your location, age, driving history and more. The national average minimum liability-only insurance policy costs roughly $141 per year, and the average full coverage policy costs around $364.
Why is my motorcycle insurance so high?
Your motorcycle insurance could be high for multiple reasons. Your riding history, type of motorcycle and location can all increase the overall cost of your insurance. Keeping your driving record clean and regularly comparing insurance quotes can help you keep your insurance rates as low as possible.
Is motorcycle insurance expensive or cheap?
Motorcycle insurance can be cheap or expensive, depending on your situation. Insuring young riders or sport bikes is expensive, often multiple thousands of dollars per year for a full coverage policy. Certain states have high motorcycle insurance costs, like New Jersey at $713 annually for full coverage, whereas states like Alaska have low insurance costs at $226 per year for full coverage. Experienced riders will likely have low insurance costs when compared to insuring a car, which is typically more than double the average cost of motorcycle coverage.
How We Determined Average Motorcycle Insurance Costs
Motorcycle insurance rates vary dramatically based on your specific situation, making it hard to know if you're getting a fair price. We designed our methodology to reflect real-world rider profiles and coverage choices, helping you compare your quotes against accurate market benchmarks.
We determined motorcycle insurance costs nationally and by state using a base profile and factor variations of a 40-year-old man with no driving violations riding a 2023 Honda CRF450RL. For minimum coverage, we chose required coverages for each state. Full coverage refers to a 100/300/50 liability split policy with a $1,000 deductible for collision and comprehensive insurance.
About Rachael Brennan
Rachael Brennan is a licensed insurance agent with over a decade of experience in the industry. She holds a property and casualty (P&C) license across all 50 states and a life, health, and accidental death and dismemberment (AD&D) license in New York and surrounding states. She writes personal finance and insurance content for MoneyGeek, specializing in property, casualty, health, life and accidental death and disability insurance.
Brennan earned her Bachelor of Science in Communications from Texas A&M University-Commerce. As a writer, she uses her insurance and personal finance experience to share practical knowledge and help people make informed financial decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Motorcycle Accidents." Accessed May 16, 2021.