Ducati motorcycle insurance rates

This Italian-made brand has high theft rates and is used mostly for racing, making it a more expensive bike brand to insure. With MSRPs from $9,000 to as high as $40,000, your insurance premium will vary depending on factors like price, model, where you live and your driving profile.

Ducati car insurance rates by model

How to compare insurance for Ducati motorcycles

Most Ducati models are made for high-performance racing, so expect to pay more for coverage. However, you may find better deals with specialty insurance that can provide more curated coverage. When deciding on insurance, consider:

• Deductibles. With expensive, foreign parts, Ducatis could cost more to repair after a crash. Make sure you can afford the deductible and the monthly payments.
• Minimum coverage. The state you live in determines what coverage is mandatory, but most states require liability and personal injury protection (PIP) to cover injuries after a crash. Underinsured coverage might not be necessary for a cheap bike that’s well within your state’s minimum coverage.
• Additional coverage. Most Ducatis are meant to be driven fast and have high theft rates. Consider adding comprehensive and collision to your policy.
• Lay-up insurance. If you plan on storing your Ducati in the off season, lay-up insurance could save you some money while keeping your bike covered for theft or damage while it’s stored.
• Discounts. You could save for safety equipment on your Ducati, such as ABS or driver assist technology.
• Warranty. Most Ducatis come with a two-year transferable warranty, with three regular service visits, original spare parts and roadside assistance included. That means no need to add towing to your insurance policy for new bikes. Its Ever Red program offers up to three more years of coverage with unlimited mileage.

Bottom line

Ducati leads the market for high-performance racing bikes. But with great speed comes great responsibility, so you’ll likely pay more for insurance. A specialty insurance provider could find you a better deal, or look for discounts that take into account your driving history, how often you pay and how much you drive. Compare motorcycle insurers to find the best insurance for you.

Frequently asked questions about Ducati bike insurance

• Can I get coverage for my helmet and protective gear?

  Some providers offer coverage for bike accessories like helmets and gear, as well as windshields and other personal items

• What's the average cost of motorcycle insurance?

  The national average for motorcycle insurance is $515 annually, which could be more or less than you’ll pay for your Ducati. However, the cost of motorcycle insurance depends on factors like your driving record, make and model of your bike and where you live.

Written by

Leah Fallon

Editor

Leah Fallon is a freelance journalist and editor, specializing in personal finance and small business. She owns Birch Tree Bookstore in Leesburg, Virginia. See full bio