Most motorcycle insurance projects cost between $100 and $1,000 per year, with a typical price near $400. Prices vary by state and city, so the range below is a planning guide rather than a quote.
Typical motorcycle insurance cost
$100 – $1,000
per year · typical $400
A general planning range, not a quotation.
Motorcycle insurance cost breakdown
- Older cruiser (liability only)$100 – $250typical $150
- Standard bike (full coverage)$300 – $600typical $450
- Sport bike (full coverage)$600 – $1,500typical $1,000
What Motorcycle Insurance costs
Covers liability, collision, and comprehensive coverage for your bike. Premiums depend on bike type, engine size, your riding history, and location. Sport bikes and young riders cost more; discounts for safety courses and anti-theft devices.
Costs by state
- Alabama
- Alaska
- Alberta
- Arizona
- Arkansas
- British Columbia
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Manitoba
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Brunswick
- New Hampshire
- New Jersey
- New Mexico
- New York
- Newfoundland and Labrador
- North Carolina
- North Dakota
- Northwest Territories
- Nova Scotia
- Nunavut
- Ohio
- Oklahoma
- Ontario
- Oregon
- Pennsylvania
- Prince Edward Island
- Quebec
- Rhode Island
- Saskatchewan
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- Yukon
Frequently asked questions
What affects motorcycle insurance cost?
Bike make/model, engine size, your age and driving record, and where you park it. Sport bikes cost more to insure due to higher risk.
Is motorcycle insurance required?
Most states require liability insurance. Comprehensive and collision are optional but recommended, especially if you have a loan or lease.
How can I get cheap insurance?
Take a motorcycle safety course, bundle with auto insurance, increase deductibles, and ask about discounts for anti-lock brakes or installed alarms.