Motorcycle insurance

We offer motorcycle insurance that can start as low as $7 per month.^** However, there are many factors that go into the cost of motorcycle coverage. Factors include:

• The state you reside in

• Your riding history

• The types of coverage you want.

Contact us and one of our knowledgeable representatives can walk you through the details.

Here are some of the many things you can do to lower your motorcycle insurance costs:

• Be sure to take advantage of motorcycle insurance discounts, like multi-cycle, homeowner, paid in full, and rider group discounts.

• Attend and complete a motorcycle rider training course.

• Choose a higher deductible to help reduce your premium.

• Review your motorcycle coverage regularly and customize it based on requirements and what you want to cover.

Motorcycles themselves are typically less expensive to insure than cars since they cost less to buy, maintain, and repair. It’s important to note, however, that insurance policy rates for your bike depend on the types and amounts of coverage you select.

For example, since bikes offer less protection in an accident than cars, coverages like guest passenger liability can be more expensive for a motorcycle rider.

Less expensive, lower horsepower motorcycles—like standard bikes—typically allow for the cheapest insurance premiums. The bike itself is less expensive, and the low horsepower reduces the likelihood of getting in an accident, so it can be considered less of a risk to insurers.

Other types of motorcycles, like sport bikes, tend to be more expensive and higher horsepower, which can lead many insurers to require higher insurance premiums to make up for the higher risk factors.