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Ducati motorcycle insurance rates

This high-performance sports bike could cost more to insure.

Updated

Pilot ridding a Ducati on a curve

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 motorcycle models
Diavel
Hypermotorad
Monster
Multistrada
Panigale
Supersport
Scrambler

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.

Ducati car insurance rates by model

Model Monthly Insurance Rate Base motorcycle price
Diavel $221 $19,995
Hypermotorad $217 $13,295
Monster $151 $14,995
Multistrada $151 $20,995
Panigale $504 $39,900
Supersport $156 $12,995
Scrambler $77 $12,995

Get motorcycle insurance for your Ducati

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.
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.
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
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

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

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