BMW motorcycle insurance rates

Narrow down the best coverage for your luxury bike before hitting the road.

Last updated:

White motorcycle on the road

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BMW motorcycle models

Sport
Tour
Roadster
Heritage
Adventure
Urban mobility

Get motorcycle insurance for your BMW

Name Product Roadside assistance Accident forgiveness Available states
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.
Optional
Yes
All 50 states
This well-advertised insurer lives up to its reputation with discounts, low rates and no-fuss coverage for bikes.
Optional
No
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.
Included free
Yes
All 50 states
Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts.

Compare up to 4 providers

How to compare insurance for BMW motorcycles

BMW is considered a luxury brand, and so you might find cheaper coverage with specialty insurance. When considering the cost of your policy, also weigh:

  • The deductible. The lower your deductible, generally the higher your premium. Choose an amount that keeps you in a comfortable financial situation.
  • Minimum coverage. Learn the required coverage to hit the road in your state. Liability usually is required, but personal injury protection can pick up where your health insurance leaves off after an accident.
  • Additional coverage. You may want stronger coverage than the minimum for your luxury bike. Collision and comprehensive coverage can pay for the cost of repairs after a crash.
  • Lay-up insurance. If you store your bike over winter, this reduced coverage keeps your bike safe against theft and damage while off the road.
  • Discounts. Ask about discounts for full payments, multipolicies or safe driving. MetLife and other providers may offer discounts for joining the BMW Owners of America.
  • Warranty benefits. BMW Motorrad offers a three-year warranty with no mileage limit, which includes free repairs and limited towing coverage wherever you are. Adding roadside assistance to your policy can provide more comprehensive coverage.

BMW motorcycle insurance rates by model

ModelMonthly Insurance RateBase motorcycle price
Sport$221$15,995
Tour$127$22,995
Roadster$221$13,995
Heritage$151$15,495
Adventure$612$16,895
Urban mobility$99$10,995

Bottom line

What you’ll pay to cover your luxury BMW motorcycle depends on where you live, your driving history and the amount of coverage you need. Compare multiple motorcycle insurance providers to find the lowest rates and strongest discounts you’re eligible for.

Frequently asked questions about BMW bike insurance

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