Compare Motorcycle Insurance Quotes Online

Motorcycle insurance is a liability-plus-physical-damage policy for two- and three-wheeled vehicles: motorcycles, scooters, mopeds, trikes, and some side-by-sides. It works like auto insurance but prices and covers the things a bike actually faces — a rider with no steel around them, custom equipment bolted on after purchase, and long stretches of the year when the bike does not move.

A typical policy stacks bodily-injury and property-damage liability (the part 47 states require), collision and comprehensive for the bike itself, uninsured/underinsured motorist coverage, and rider-specific add-ons: custom parts and equipment, riding gear, roadside assistance, and trip interruption.

Nationally, riders pay about $200 to $1,200 a year, which is a wide band because the bike matters more than almost anything else:

• Bike type. A 600cc+ sport bike costs several times what a mid-size cruiser does to insure; scooters are the cheapest.
• Rider age and experience. Under 25 and newly licensed riders pay the most; a completed MSF safety course earns a discount almost everywhere.
• Riding record. An at-fault accident or a speeding ticket raises rates for three to five years.
• Where the bike lives. Urban ZIP codes with higher theft rates cost more; a locked garage helps.
• Coverage choices. Liability-only can run under $20 a month; full coverage with custom-parts and roadside add-ons is where the $100-a-month quotes come from.
• Season. Lay-up coverage for the months you do not ride can cut the annual bill by a quarter or more.

The levers that move a motorcycle premium, in order of impact:

1. Compare carriers. The same bike and rider can be quoted 30–50% apart, because carriers weight bike type and experience very differently.
2. Bundle with auto or home. Multi-policy discounts of 10–20% are standard.
3. Take a safety course. MSF Basic or Advanced RiderCourse completion is one of the few discounts that also makes you a better rider.
4. Use lay-up coverage. If the bike sits for the winter, stop paying for collision and liability while it does.
5. Raise the deductible. Moving from $250 to $500 or $1,000 on collision and comprehensive trims the premium meaningfully.
6. Insure every bike on one policy. Multi-bike discounts apply even when the bikes are very different.

Quoting a motorcycle takes ten minutes if you have the details ready:

1. Gather the VIN, year/make/model, your license number, and a list of custom parts with rough values.
2. Decide on liability limits — 100/300/50 is a sensible floor — and whether you want collision and comprehensive on the bike.
3. Quote at least three carriers with identical limits. Some carriers quote bikes online; others hand you to an agent or a phone line. Either way the quote is the quote.
4. Ask about lay-up, safety-course, multi-bike, and bundle discounts before binding — they are rarely applied automatically.
5. Bind the new policy before canceling the old one so there is no coverage gap.