BMW motorcycle insurance rates

BMW motorcycle insurance rates by model

• How we got this rate

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • S1000R, K1600GT, S1000R, R nine T, S1000XR and C650GT
  • No accidents in the past five years
  • Driver located in New York
  • Good credit

  Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.

  Other factors that can affect your auto insurance rate

  • Ford Mustang model year
  • Vehicle’s trim
  • Amount of coverage you need
  • Estimated miles you drive in a year
  • Vehicle’s safety and anti-theft features
  • Driver’s credit score and location
  • Driver’s age, marital status and gender
  • Driving history in the past five years
  • Whether the driver rents, leases or owns the vehicle

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.

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

• What is the BMW Owners of America?

  The BMW MOA is a motorcycle club based in St. Louis, Missouri. It was founded as a membership club for owners and admirers of BMW bikes. Members get discounts on travel and insurance.