How your riding habits can affect motorcycle insurance costs

Did you know that how and where you ride can affect your motorcycle insurance rates? Insurers consider more than just your bike’s make and model—they assess various factors to determine your risk level. Some factors they may evaluate include:

• Traffic violations and accident history

• Location-based risk factors such as theft rates and accident statistics

• Your riding environment

More time on the road means increased exposure to potential risks, which can play a role in how insurance costs are calculated.

• Daily commuters often face stop-and-go traffic, distracted drivers, and unpredictable road conditions, all of which add up to higher exposure on the road.

• Weekend riders may steer clear of rush hour, but longer recreational rides come with their own set of risks—like unfamiliar routes or rural terrain.

• Where you park also plays a part. Commuters might leave their bikes in public areas more often, increasing the chance of theft or damage, while weekend riders typically store theirs securely between rides.

While some insurers may consider usage when determining rates, this isn’t something Dairyland currently offers—but understanding these factors can help you stay safer and more prepared every time you ride.

Riding more often can increase your risk of an accident—which may influence your insurance costs.

Urban riders often face heavy traffic, frequent stops, pedestrians, cyclists, and higher theft risks.

Rural riders typically experience higher speeds, wildlife hazards (especially at dawn and dusk), varying road conditions, and longer emergency response times.

Safe riding doesn’t guarantee lower premiums, but it can help reduce your chances of an accident or violation—which may influence insurance costs over time.

• Stick to your bike’s maintenance schedule to help prevent breakdowns or safety issues

• Ride during daylight hours when visibility tends to be better

• Opt for less congested routes when possible

• Keep a steady pace and avoid sudden stops or sharp accelerations

• Wear proper safety gear every time you ride

Taking an approved motorcycle safety course shows a commitment to responsible riding. While it won’t guarantee lower rates, some insurers may offer a discount for completing a certified class. Programs from the Motorcycle Safety Foundation (MSF) can help you:

• Develop defensive riding techniques

• Learn emergency maneuvers

• Recognize and avoid road hazards

• Stay up to date on best safety practices

How and where you store your motorcycle can affect your level of risk. While not all insurers factor storage into your rate, security measures may help protect your bike—and reduce the likelihood of theft or damage:

• Park in a locked garage or secured area

• Use anti-theft devices like disc locks or GPS trackers

• Avoid high-theft areas when possible

From how you ride to where you park, small choices can add up. Here are some practical ways to help lower your risk—and possibly your insurance costs:

A clean record on both motorcycles and cars can contribute to lower premiums. Tracking maintenance, mileage, and safety habits can help demonstrate responsible ownership to your insurer.

Being an active member of a motorcycle safety group or club may signal to insurers that you prioritize responsible riding. Some providers may even offer insurance discounts based on membership.

High-performance motorcycles and custom bikes often cost more to insure. Standard models with good safety ratings tend to have lower premiums.

If you only ride during certain months, ask your insurer about options for reducing coverage when your motorcycle is in storage. Be sure to discuss your riding schedule with your agent so they can help you find the most appropriate coverage.

On the other hand, certain riding behaviors may raise your risk profile and lead to higher insurance costs. Insurers often look at your driving record, past claims, and overall history on the road when setting rates.

Speeding, lane splitting, sharp cornering, and reckless riding can have financial consequences. These behaviors can:

• Increase wear and tear on your bike

• Raise your risk of accidents

• Lead to traffic violations

• Factor into premium calculations

Failing to wear protective motorcycle gear can increase the risk of severe injury in an accident. Insurance companies consider this when assessing risk, as it can:

• Lead to higher medical claims in the event of a crash

• Increase the likelihood of costly insurance payouts

• Indicate a higher-risk rider profile

At Dairyland, a brand of the Sentry Insurance Group, we get what life on two wheels is all about. Whether you ride daily or just on weekends, we offer affordable motorcycle insurance options that fit how you ride. Ready to roll? Let’s find a policy that works for you. Connect with us today!