Compare motorcycle insurance quotes
Pick two or more companies to see rates where you live. Free, no obligation.
National averages
| Source | Liability-only | Full coverage | Basis |
|---|---|---|---|
| MoneyGeek | $141 / yr (~$12 / mo) | $364 / yr (~$30 / mo) | 40-year-old, clean record, 2018 Honda Rebel 500 |
| Insurify | ~$81 / mo | ~$179 / mo | Insurify’s mix of riders and bikes |
Costs by age
| Rider age | Minimum cover / yr | Full cover / yr |
|---|---|---|
| 16 | $453 | $1,446 |
| 19 | $335 | $1,230 |
| 25 | $201 | $820 |
| 40 | $154 | $571 |
| 50 | $151 | $515 |
| 80 | $162 | $529 |
Source: MoneyGeek, October 2026; clean record, 2023 Honda CRF450RL.
Prices fall steeply from the teens to the mid-20s and are lowest around 50 to 55, then rise slightly for older riders.
Costs by bike type
- Standard bikes under 500cc usually cost the least.
- Sport bikes cost the most because of theft and repair costs: about $347 a year for minimum cover and $3,948 for full coverage on a 2021 Honda 1,000cc sport model in MoneyGeek’s data. See sport bike insurance.
- Touring bikes with expensive accessories cost more to insure for physical damage.
- Classic bikes can be cheaper with agreed-value classic policies; see classic motorcycle insurance.
Costs by state
For the benchmark rider and bike, MoneyGeek found monthly full-coverage averages from about $14 in Montana to $47 in Rhode Island, and minimum-cover averages from about $6 in Alaska to $24 in Rhode Island. New Jersey and Rhode Island are among the most expensive states; Montana and Alaska among the cheapest.
What drives your price
- Age and riding experience
- Bike type, engine size and value
- Riding record: tickets and accidents raise prices
- Location: theft rates, traffic and state rules
- Coverage and deductibles: full coverage costs more than liability; higher deductibles cost less
- Endorsement and training: riders without a motorcycle endorsement paid 12% more at Progressive in MoneyGeek’s analysis
- How much and when you ride, and where you store the bike
How to pay less
- Take an approved safety course and get your endorsement.
- Bundle with your car or home insurance; see our discounts guide.
- Raise deductibles from $250 to $500 or $1,000 if you have savings.
- Install anti-theft devices and store the bike in a garage.
- Choose a smaller or standard bike if you’re new to riding.
- Compare insurers; see our insurer comparison.
Frequently asked questions
How much is motorcycle insurance a year?
About $141 for liability-only and $364 for full coverage for a 40-year-old on a mid-size bike, per MoneyGeek’s October 2026 data.
Why is motorcycle insurance so expensive for young riders?
Young, inexperienced riders crash more often. A 16-year-old pays about 2.5 times what a 40-year-old pays for full coverage.
Are sport bikes more expensive to insure?
Yes, much more. A 1,000cc sport bike cost about $3,948 a year for full coverage in MoneyGeek’s data.
Which state has the cheapest motorcycle insurance?
Montana and Alaska were among the cheapest in MoneyGeek’s data; Rhode Island and New Jersey among the most expensive.
Is full coverage worth it on a motorcycle?
If your bike is financed, new or valuable, yes. On an older, low-value bike, liability with medical and uninsured motorist cover may be enough.
Sources
- MoneyGeek – Average cost of motorcycle insurance (Oct 2026)
- Insurify – Motorcycle insurance (Feb 2026)
- Progressive – Motorcycle coverages
- GEICO – Motorcycle insurance discounts
Insurance prices, discounts and rules change often and vary by state. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.