Motorcycle Insurance Cheapest: A Guide to Finding the Best Deals

If you’re a motorcycle owner, one thing you can’t avoid is insurance. Motorcycle insurance is a legal requirement in most states, and it covers you in case of accidents, theft, or other incidents. However, finding affordable motorcycle insurance can be challenging, especially if you’re a new rider or have a history of accidents or violations. In this article, we’ll explore some tips for finding the cheapest motorcycle insurance policies and answer some frequently asked questions about motorcycle insurance.

Understanding Motorcycle Insurance Coverage

Before we dive into finding the cheapest motorcycle insurance, let’s take a moment to understand the different types of coverage you may need. Motorcycle insurance usually includes these types of coverage:

Type of Coverage
Covers the cost of damages or injuries you cause to others in an accident
Covers the cost of damages to your motorcycle in an accident
Covers the cost of damages to your motorcycle caused by theft, vandalism, or natural disasters
Uninsured/Underinsured Motorist
Covers the cost of damages or injuries you sustain in an accident caused by a driver who doesn’t have enough insurance or no insurance at all

Depending on your state and your motorcycle’s value, you may need to have certain types of coverage. Liability coverage is the only mandatory coverage in most states, but it may not be sufficient to cover all the costs of an accident. Collisions and comprehensive coverages are optional, but they can give you peace of mind in case of theft or damages to your motorcycle. Uninsured/underinsured motorist coverage can also be valuable if you frequently ride in areas with a high rate of uninsured drivers.

Tips for Finding Cheap Motorcycle Insurance

Now that you know the types of coverage you may need, let’s explore some tips for finding the cheapest motorcycle insurance policies:

1. Shop around

One of the easiest ways to find affordable motorcycle insurance is to shop around and compare quotes from different insurance companies. You can use online comparison tools or contact insurance agents directly to get multiple quotes. Be prepared to provide information about your motorcycle, your driving history, and your desired coverage limits when requesting quotes.

2. Take advantage of discounts

Many insurance companies offer discounts for safe driving, multiple policies, or completing rider safety courses. Check with your insurance provider to see what discounts you might be eligible for and how much you can save.

3. Adjust your coverage limits and deductibles

If you’re willing to accept higher deductibles or lower coverage limits, you can save money on your monthly premiums. Just make sure that you’re comfortable with the level of coverage you’re getting and that you can afford your deductibles in case of an accident.

4. Join a motorcycle club

Some insurance providers offer discounts to members of motorcycle clubs or organizations. If you’re part of a club, ask your insurance provider if you can get a discount on your policy.

5. Improve your credit score

Believe it or not, your credit score can affect your motorcycle insurance rates. Insurance providers typically see people with good credit scores as less risky, so they offer lower rates. If you have a low credit score, work on improving it before you apply for motorcycle insurance.

Frequently Asked Questions About Motorcycle Insurance

1. How much motorcycle insurance do I need?

The amount of motorcycle insurance you need depends on your state’s requirements, your motorcycle’s value, and your personal preferences. You should have at least liability coverage to cover damages or injuries you cause to others in an accident.

2. What factors affect motorcycle insurance rates?

Insurance rates are based on several factors, including your age, driving record, location, the type of motorcycle you own, and the amount of coverage you want. Younger riders, riders with a history of accidents or violations, and riders in urban areas tend to have higher insurance rates.

3. Can I insure multiple motorcycles under one policy?

Yes, many insurance providers offer multi-bike policies that allow you to cover multiple motorcycles under one policy. This can save you money on your premiums and make it easier to manage your coverage.

4. Do I need insurance for my motorcycle if I only ride it occasionally?

Yes, you still need insurance for your motorcycle even if you only ride it occasionally. Accidents can happen at any time, and insurance can help protect you in case of theft or damages to your motorcycle.

5. How can I lower my motorcycle insurance rates?

You can lower your motorcycle insurance rates by shopping around, taking advantage of discounts, adjusting your coverage limits and deductibles, joining a motorcycle club, and improving your credit score. You can also choose a less expensive motorcycle or a less risky location to ride in.


Finding the cheapest motorcycle insurance policy can take some time and effort, but it’s worth it to ensure that you’re adequately covered in case of an accident or incident. Use the tips in this guide to compare quotes, take advantage of discounts, and adjust your coverage to find the best deal. And remember to always ride safely and wear protective gear to reduce your risk of accidents and injuries.