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Ducati motorcycle insurance rates

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

Ducati motorcycle insurance rates can range from around $77 to $504 monthly 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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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

ModelMonthly Insurance RateBase 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

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

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