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Motorcycle insurance vs. car insurance

Car policies cost over double the average for motorcycles, but you’ll have more insurer options.

Updated

Fact checked

Despite a motorcycle’s risk for severe accidents, you can expect to pay higher insurance on cars over bikes since there are more cars on the road. But consider how you use each vehicle since mileage, passengers and customizations each play a part in getting the right coverage at the right price.

How to compare motorcycle insurance vs. car insurance.

Here are the factors to consider when weighing the difference for insurance between these two rides:

Does car or motorcycle insurance cost more?

Car insurance costs more than double. The average cost of car insurance is $1,300 per year, while motorcycle policies average $518 per year.

It makes sense, considering there are far more cars on the road compared to bikes. Also, cars have a higher MSRP value and more parts that’ll get damaged in an accident, making them more expensive to repair or replace.

Is it easier to find insurance for a car or motorcycle?

When searching for insurance, you’ll find more car insurance providers than you can count, while motorcycle insurance has fewer options. Why is that?

Car insurers have a wider customer base than motorcycle insurers to attract new business. In addition, motorcycles offer less protection and visibility than cars, leading to increased risk and expensive injury claims.

Do cars and motorcycles have different minimum insurance requirements?

No, minimum requirements depend on the state you’re in, but many states keep the same requirements for both. Typically, required coverage includes:

  • Liability
  • Uninsured/underinsured driver
  • Property damage
  • Medical payments coverage for no-fault states
  • Personal injury protection

Personal injury protection (PIP) differs between vehicles. Car owners may be required to get this broad coverage with medical expenses, lost wages and funeral expense benefits. However, motorcyclists may get excluded from this coverage because they’re at a higher risk for severe injuries. PIP coverage is available to motorcyclists in a few states.

Compare motorcycle insurance providers

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
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.
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.
The General motorcycle insurance
Optional
No
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.
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Compare car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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Why is coverage different for cars vs. motorcycles?

Whether your daily cruiser has two wheels or four, basic coverage starts with liability, collision and comprehensive. Then, each policy has its own list of options so you can customize your coverage to fit your needs.

Reasons you might consider different coverage between your car and bike:

  • Customized parts. If you’re one of those riders who loves dressing up their bikes, you might need coverage for parts and modifications that didn’t come from the manufacturer.
  • Driving needs. You probably use a car and motorcycle differently, especially if you own both. For instance, you might want wide coverage on your daily commuter car while paring down coverage for your weekend ride.
  • Injuries. Because bikes have less metal protecting you during a crash, consider medical payments coverage for injury protection.
  • Passengers. You can tuck away more passengers in a car than a motorcycle, but consider the risk for injuries to bike passengers too.
  • Mileage. Riding across the country or taking your car on extra business trips could warrant more liability coverage since your risk for accidents increase the more you travel.

Bottom line

Although these two vehicles ride similarly on the road, protecting them means different costs, separate policies and varying coverage needs. Consider how you use your motorcycle when shopping insurance providers for the best coverage.

Frequently asked questions about motorcycle vs. car insurance.

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