There are four major types of motorcycle insurance discounts including riding, personal profile, vehicle, and policy related premium reductions. Below, we'll break down each possible discount that are available with providers nationwide.
Motorcycle Insurance Discounts
Updated: April 25, 2025
Advertising & Editorial Disclosure
Types of Motorcycle Insurance Discounts
Riding Related Discounts
Below, we've summarized all riding related discounts that are available with motorcycle insurance companies:
Discount | Discount Details |
|---|---|
Good Rider | If you have had no accidents or claims in the past 3 years, you'll typically get a discount of around 6% based on our research. |
Defensive riding course | While many providers advertise a up to 10% premium reduction for a defensive driving course, often the discount is only as high as $5 per year with most companies. |
Motorcycle safety foundation course | Similar to a defensive driving course, if you pass it, you'll get a similar premium reduction. |
Motorcycle endorsement | Having a motorcycle endorsement lowers motorcycle insurance rates by around 9% versus not having one. |
Motorcycle license | Getting a fully official motorcycle license will lower your premiums even further by up to 8% compared to rates of those that have just an endorsement. |
Personal Profile Discounts
Below, we've summarized discount opportunities related directly to your personal profile:
Discount | Discount Details |
|---|---|
Mature rider | If you are a rider who is 40 and over with more than 5 years of riding experience, you can get a discount. |
Motorcycle instructor | Motorcycle safety instructors can earn up to 20% off their policies. |
Motorcycle club membership | Being a member of a motorcycle club will typically get you only up to $10 off your policy per year. |
Military | If you are a military member, most motorcycle insurers will offer a discount that can be as high as 9% off. |
Vehicle Related Discounts
The following are discounts on motorcycle policies related directly to your bike:
- Vehicle safety devices: Features such as anti-lock brakes can get you premium reductions, typically no larger than 4%
- Anti-theft device: If you have an anti-theft device like a tracker or alarm on your motorcycle, you can save up to 6% off comprehensive bike policies.
Policy Related Discounts
Below, we've detailed a complete list of discounts related to your policy and payment:
Discount | Discount Details |
|---|---|
Pay in full | If you pay your policy's annual cost in full you can get a premium reduction of up to 21%, which is the largest discount we've observed. |
Pay in advance | Paying at least a day or two in advance of your policy's start date can get you a discount of up to 5%. |
Electronic payments/documents | Electronic payment and documents can get you up to 3% off. |
Autopay | Setting up autopay can possibly save you up to 5% on motorcycle insurance. |
Multi-vehicle | Getting multiple bikes on your motorcycle insurance can save you up to 13% based on our research. |
Multi-policy | Bundling you motorcycle insurance with another policy like home or auto can save you up to 16%. |
Company transfer | Transferring from another company saves you a significant sum and on average you'll pay 11% less, but expect the discount to disappear over time and rates to increase. |
Loyalty | Some companies will offer a loyalty discount that slowly increases the longer you stay with a company and you may get other benefits. |
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.