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BMW motorcycle insurance rates

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

Updated

White motorcycle on the road
BMW motorcycle models

Sport
Tour
Roadster
Heritage
Adventure
Urban mobility

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

Get motorcycle insurance for your BMW

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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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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