How much does motorcycle insurance cost?

There’s nothing quite like the thrill of hitting the open road on your motorcycle. But before you rev up and ride, it’s important to make sure you and your bike are protected with motorcycle insurance.

So, what does motorcycle insurance cost, and what influences your premium? The short answer: it varies. Let’s break down the key factors insurers consider when calculating your rate.

How is motorcycle insurance calculated?

Just like auto insurance, several variables impact your motorcycle insurance rate. Understanding them can help you make informed choices and potentially save money. Key influencers on the average cost of your motorcycle coverage include:

Where you live

Riding conditions differ across the U.S. If you live in an area with a shorter motorcycle season—think cold, snowy winters—your insurance may cost less.

Your bike’s make, year, and model

A brand-new, high-performance motorcycle will generally cost more to insure than an older, used bike.

How you use your motorcycle

Are you a weekend adventurer or a daily commuter? Your riding habits can affect your rate, so be sure to share how you use your bike with your agent.

Your age

Age can impact your rate, but American Family offers discounts to help riders of all ages save.

Your riding and driving record

Safe riding pays off. Fewer claims, accidents, and tickets can mean lower premiums.

Your coverage choices

Whether you opt for minimum state-required coverage or extra protection, your choices affect your premium.

Extra protection for your ride

At American Family, we offer additional coverages to help you ride with confidence:

Collision coverage: Provides protection and peace of mind when added to your standard policy by helping pay for repairs if your bike is damaged in a covered accident.

Comprehensive coverage: Helps cover damage from non-collision incidents like theft, vandalism, or hail.

Customization coverage: Provides protection for modifications you’ve made to upgrade your bike.

Emergency roadside service: If your bike breaks down or you run out of gas, we’ll send help your way.

Medical expense coverage: Assists with medical costs if you’re injured while riding.

Uninsured motorist insurance: Protects you if you or anyone riding your motorcycle is injured in an accident caused by an uninsured vehicle or a hit-and-run driver.

Underinsured motorist coverage: Helps pay for injuries if you’re involved in an accident with an at-fault driver who doesn’t have enough insurance.

Ways to save on your motorcycle insurance

We know you want to get the most out of your coverage. Here are some of American Family’s most popular motorcycle discounts that may help you avoid higher rates:

Multiproduct discount: Bundle and save! Enjoy added discounts when you have multiple policies with us.

Experienced rider discount: Are you a seasoned motorcyclist? Take advantage of our experienced rider discount tailored just for you.

Motorcycle safety course discount: Being a responsible motorcyclist could help protect your wallet! Enjoy added savings with our safety course discount.

Additional savings: Having safety features like anti-lock brakes, paying your premium in full, signing up for automatic payments, and keeping your insurance active year-round can all earn you discounts.

Other factors may affect the price of your insurance and your eligibility for discounts. Connect with your American Family Insurance agent or download the MyAmFam app below to find the best plan for you and your motorcycle. When you hit the road, you’ll enjoy the ride knowing you’re protected.

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This article is for informational purposes only and based on information that is widely available. This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

Discount, savings and product eligibility varies based on the way you purchase insurance, by state, property type and policy form. Discounts may not apply to all coverages on an auto or home policy. Exclusions may apply.