Motorcycle insurance can cost anywhere from $85 to $2,000 per year or more. Costs are highly dependent on the type of motorcycle you have (standard, sports or touring), the coverage you select and your driving history.
According to our secret shopper analysis, minimum coverage ranges from about $85 to $265 per year, and full coverage with higher limits ranges from about $245 to $2,500 per year.
Minimum-Coverage Motorcycle Insurance Cost
For the quotes below, we selected minimum coverage with limits of $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident and $25,000 property damage liability per accident. Here are the bikes we used for quotes in this article:
- Standard: 2017 Yamaha SR400 with a 399 cc engine
- Sports: 2020 Suzuki GSX-R600 with a 599 cc engine
- Touring: 2020 Honda Goldwing F6B with an 1,832 cc engine
All of these quotes also apply to low-risk riders who have had no accidents in the last three years. For riders who have had both a speeding ticket and a motorcycle accident in the past three years, quotes are generally 82% higher.