Compare cheap motorcycle insurance

You can save a lot of money on motorcycle insurance by hunting for discounts, lowering your deductible or considering less coverage. But make sure you still have enough coverage to protect yourself and your bike for an accident.

How to get cheap motorcycle insurance

The average cost of motorcycle insurance is $519 per year, or $43 per month, depending on your location. You can consider anything less than this to be cheap insurance.

You can buy a cheap insurance policy in several ways. However, these methods may not protect you from paying out of pocket after an accident:

• Choose a cheap insurance company. Look for the lowest rates when comparing insurance companies, but make sure coverage is equivalent across policies.
• Take a defensive riding course. Whether or not you have tickets or accidents on record, you can take a defensive driving course to prove you’re focused on safe driving.
• Add more security. Antitheft devices or parking in a garage will save on your premiums.
• Ride less. Lower your mileage or let your insurer know you only ride occasionally to save.
• Look for multiple discounts. Some companies offer multiple discounts you might qualify for. When you get an online quote, select every feature and benefit that applies to you.
• Opt for less coverage. Keep your policy simple with basic protection, such as liability and collision.
• Lower your policy limits. You can choose a lower limit that will pay for damages in most situations. For the cheapest insurance, set your minimums to the lowest required for your state.
• Raise your deductible. Give yourself more financial responsibility upfront before your coverage kicks in. But make sure you can pay your deductible after an accident.
• Get a cheap bike for cheaper insurance. A brand new Harley will cost more to insure than a slightly used Kawasaki.

How to get cheap bike insurance for young riders

Unfortunately, insurance companies see young motorcycle riders as higher risk than seasoned pros. Try some of these tactics to get a more affordable deal as a young rider.

• Think before you buy your bike. Brand-spanking new and powerful motorbikes will cost more to insure. Opt for a smaller or older bike to keep insurance costs down.
• Ride responsibly. Keeping a clean record by driving safely and staying within the speed limit will help you cut costs in time.
• Take a driving course. Get a motorcycle certificate to help push your insurance premiums down.
• Pay upfront. Try to pay in an annual lump sum, as insurers hit monthly payers with higher prices.

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Best for cheap rates: Geico motorcycle insurance

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

Geico doesn't just offer low-cost insurance for cars, but for motorcycle insurance too. Expect low starting rates on standard coverage, and see how many 5-20% discounts you can stack to lower premiums even further. Plus, pay on your schedule with upfront, monthly, four, six or nine payments.

• Low base rates for bike insurance
• Save up to 20% with multiple discount opportunities
• Payment flexibility with five installment plans

States served	All 50 states
Roadside assistance	Optional
Pay schedule	12 months, 6 months, monthly
Claims methods	online, email, phone
New car protection	Yes
Accident forgiveness	Yes

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Best for free perks: Progressive motorcycle insurance

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

Progressive's suite of coverage with freebies included is hard to find among motorcycle insurance companies. On top of perks like free custom parts and accessories coverage, enjoy forgiveness for qualifying accidents both big and small.

• Free coverage up to $3K for upgrades and accessories
• Full replacement cost included with some coverage
• Repairs original manufacturer parts with originals

States served	All 50 states & DC
Roadside assistance	Optional
Pay schedule	12 months, 6 months
Claims methods	online, phone
New car protection	Yes
Accident forgiveness	Yes

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Best for discounts: Harley-Davidson motorcycle insurance

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

This well-known company spreads its specialized knowledge to insurance on many types of motorcycles and brands. Harley-Davidson also offers a long list of discount opportunities for new and experienced riders. Plus, you'll save more and get extra perks for being a Harley Owners Group member.

• Over a dozen insurance discounts
• Specializes in motorcycles, insuring many types
• Extras you won't find everywhere, like gap coverage

States served	Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Roadside assistance	Optional
Pay schedule	custom
Claims methods	online, phone
New car protection
Accident forgiveness	Yes

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Name	Product	Roadside assistance	Accident forgiveness	Available states
Progressive motorcycle insurance		Optional	Yes	All 50 states	Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.	Get quotes More Info	Compare	loading Fetching your data...
Allstate motorcycle insurance		Included free	Yes	All 50 states	One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from the Hartford		Optional	On the first accident	All 50 states	Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.	Get quotes More Info	Compare	loading Fetching your data...
USAA motorcycle insurance		Optional	Yes (after 5 years of loyalty)		USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.	Get quotes More Info	Compare	loading Fetching your data...
Elephant		Optional		GA, IL, IN, MD, OH, TN, TX, VA	Get a great deal online with steep discounts and some of the highest liability limits available.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual motorcycle insurance		Optional	No	All 50 states	Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.	Get quotes More Info	Compare	loading Fetching your data...
AAA motorcycle insurance		Included free	Yes, optional extra	All 50	Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.	More Info	Compare	loading Fetching your data...
Savvy		Optional	Depends on provider	All states & DC	Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.	Get quotes More Info	Compare	loading Fetching your data...

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Is cheap bike insurance worth it?

Getting a cheap policy on your bike may work for your wallet, but the lowered rate may mean more out-of-pocket costs later.

You might compromise important coverage to get the cheapest policy or pay a high deductible, leaving you responsible for more damage costs out of pocket. Or you may have to cover your own bike’s damage even when another driver is at fault if you forgo underinsured motorist protection.

Who should get the absolute cheapest motorcycle insurance?

Cheap motorcycle insurance works best for drivers who:

• Need standard or minimal coverage only
• Have enough money to cover accident damages on their own
• Ride an older bike that’s worth less than an annual insurance policy
• Have a strict budget or fixed income

What’s not covered?

If you go with cheap liability-only insurance, the cheapest motorcycle insurance policy might not cover certain situations, such as:

• Minor roadside repairs like fluid delivery, battery jumpstart or tire changes
• Major accident damages above your maximum coverage amount
• Medical payments for you or passengers
• Loan or lease payments left over after your new motorcycle gets totaled
• Damage to optional or safety equipment, like extra chrome, new paint or your helmet
• Transport or tow-behind trailer damage

Cheap motorcycle insurance in action

Sharon needed to keep her motorcycle premium low, so she opted for liability bike coverage with a lower maximum payout amount. She also raised her deductible for comprehensive and collision coverage, whittling her annual premium from $500 to $300 per year.

When Sharon rear-ended a car on the highway, she had enough liability to cover the minor damage to the other driver’s bumper. However, she had to pay all the damage to her motorcycle due to her high collision deductible.

Sharon had enough money in savings to cover the repairs, but she realized that a lower deductible would have saved her money on this claim.

Bottom line

Getting a cheap motorcycle policy works well if you understand the risk you’re taking with reduced coverage. A cheap policy may not protect you from paying expenses out of pocket after an accident. However, you can also obtain a lowered rate through discounts and a clean driving history.

Compare motorcycle insurance that works best for your situation.

Common questions about cheap motorcycle insurance

• What discounts can I get on motorcycle insurance?

  Discounts will vary by provider. However, you may qualify for discounts such as multipolicy, multicycle, antilock brakes, antitheft or theft recovery devices, safety course completion, motorcycle license endorsement and claims-free riding.

• How much does motorcycle insurance cost for a driver under 25?

  Young drivers pose an increased risk to insurance companies, contributing to a higher premium. In many cases, the rate for a young driver can be 50% or more than for drivers over age 25. For example, a 35-year-old driver may pay $500 per year for insurance, while an 18-year-old might pay $800 for the same coverage.

• What factors affect my motorcycle insurance premium?

  Factors that may influence your premium include your age, driving history, motorcycle type, place of residence, annual mileage and bike storage location.