How Much Does Motorcycle Insurance Cost?
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Average Motorcycle Insurance Costs (2025)
📊 Quick Stats
- Full coverage average: $702/year ($60/month)
- Liability only: $300/year ($25/month)
- Sport bike: $1,200-2,400/year ($100-200/month)
- Cruiser: $500-700/year ($40-60/month)
- Cheapest states: Iowa, Vermont, North Dakota
Cost by Motorcycle Type
| Bike Type | Monthly | Annual | Examples |
|---|---|---|---|
| Standard | $30 | $360 | Honda CB, Yamaha MT |
| Cruiser | $45 | $540 | Harley, Indian |
| Touring | $55 | $660 | Gold Wing, Road Glide |
| Adventure | $50 | $600 | BMW GS, Africa Twin |
| Sport | $125 | $1,500 | Ninja, R6, GSX-R |
| Supersport | $175 | $2,100 | Panigale, S1000RR |
Cost by Rider Age
| Age | Monthly (Cruiser) | Monthly (Sport) |
|---|---|---|
| 18-24 | $85 | $250+ |
| 25-35 | $55 | $140 |
| 36-45 | $45 | $110 |
| 46-55 | $40 | $95 |
| 55+ | $45 | $105 |
What Affects Motorcycle Insurance Cost?
🏍️ Bike Type
Sport bikes cost 2-4x more to insure than cruisers due to higher accident rates.
🎂 Age & Experience
Riders under 25 pay significantly more. Completing MSF course saves 10-15%.
📍 Location
Urban areas cost more. Warm states with year-round riding may cost more.
🅿️ Storage
Garaged bikes can get discounts. Seasonal storage suspension saves money.
Motorcycle Insurance Cost FAQs
How much is motorcycle insurance per month?
Motorcycle insurance costs an average of $60 per month ($702/year) for full coverage. Rates range from $25/month for basic liability to $150+/month for sport bikes.
Is motorcycle insurance required?
Most states require at least liability insurance for motorcycles, similar to car insurance requirements. Only Florida allows uninsured riding under certain conditions.
How can I lower my motorcycle insurance?
Take an MSF safety course (10-15% off), choose a cruiser over a sport bike, increase deductible, bundle with auto/home, install anti-theft devices, and consider seasonal suspension.
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