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BMW motorcycle insurance rates

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

BMW motorcycle insurance rates can range from around $100 to $612 monthly for basic coverage depending on which model you choose. Narrow down motorcycle insurers by roadside assistance coverage, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate motorcycle insurance
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.
Progressive motorcycle insurance
Optional
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Liberty Mutual motorcycle insurance
Optional
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
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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

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

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