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Honda motorcycle insurance rates

With high theft rates, comprehensive coverage might be a good idea for Hondas.


Fact checked
Red Honda motorcycle on the road

Honda manufactures a wide variety of motorcycle models, from Grand Prix racing bikes to small city scooters. With MSRPs ranging from $2,500 to $24,000, your insurance rates could vary just as much. Coverage ranges from about $280 to $880 and depends on where you live, what you ride and your driving profile.

Honda motorcycle models

Neo-sport Cafe
Dual Sport
Off-Road adventure

How to compare insurance for Honda motorcycles

The model you own will determine your level of coverage and how much you pay. High-performance Hondas like the CBR may warrant more curated coverage with specialty insurance for sports bikes. When deciding on insurance, consider:

  • The deductible. How much you pay out of pocket after an accident determines your premium. A higher deductible will give you a lower premium and vice versa.
  • Minimum coverage. Where you live will affect the minimum coverage for your motorcycle. But most states require liability and personal injury protection (PIP) to help pay if you’re injured after a crash.
  • Additional coverage. If you use your bike for commuting, collision coverage could help if you’re in an accident. And because Hondas have the highest rate for theft, consider adding comprehensive coverage to your policy.
  • Lay-up insurance. Live in a part of the country with a chilly off-season? Lay-up insurance keeps your bike covered during the cold months when you’re not riding. This protects it from theft and damage at a lower rate while it’s stored.
  • Discounts. Look for discounts for paying your policy annually, staying accident-free or taking safety courses. Some providers cut you a break if you bundle your car and bike coverage.
  • Warranty. Most Hondas come with a one-year limited transferable warranty. It includes nationwide coverage, roadside assistance and no mileage limit or deductible. Additionally, its HondaCare can provide up to five years of coverage — excluding racing models like the CR and CFRs.

Why are Hondas the most stolen motorcycles?

Thieves tend to target Hondas because of their powerful engines and because their parts are worth so much. Stolen Hondas are often used for racing and sold for parts.

Honda car insurance rates by model

ModelBase motorcycle priceMonthly insurance rate
Neo-sport Cafe$12,999$229
Dual Sport$6,999$99
Off-Road adventure$5,199$77

Get motorcycle insurance for your Honda

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.
Geico motorcycle insurance
All 50 states
This well-advertised insurer lives up to its reputation with discounts, low rates and no-fuss coverage for bikes.
Allstate motorcycle insurance
Included free
All 50 states
Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts.
Liberty Mutual motorcycle insurance
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.
Esurance motorcycle insurance
Included free
43 states
Esurance offers discounts and wide motorcycle coverage with tech-focused account management and 24/7 claims.
Farmers motorcycle insurance
Included free
All 50 states
Get personalized service, optional coverage packages and rewards for safe driving with Farmers motorcycle insurance.
The General motorcycle insurance
43 states
The General offers no-frills motorcycle insurance for drivers who have a hard time getting coverage elsewhere.

Compare up to 4 providers

Bottom line

Honda offers a slew of two-wheeled options, from scooters to racing sports models. You may find savings with 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 your situation.

Frequently asked questions about Honda bike insurance

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