Cheap Motorcycle Insurance for Every Rider

Getting cheap motorcycle insurance can be a challenge, but it's not impossible.

First, it's essential to understand that motorcycle insurance rates vary depending on your location, with some states having lower rates than others.

If you're a new rider, you might be surprised to learn that taking a motorcycle safety course can help lower your insurance premiums.

Some insurance companies offer discounts for riders who complete such courses, which can save you up to 10% on your premiums.

Shopping around for motorcycle insurance can save you up to 56% on full coverage insurance. If you're looking for cheap motorcycle insurance options, consider getting quotes from multiple insurance companies.

One way to save on motorcycle insurance is to choose a higher deductible for comprehensive and collision insurance. This can lower your premiums, but make sure you can afford to pay the deductible if you need to file a claim.

Sport bikes are typically more expensive to insure than cruiser bikes due to their higher performance and speed. If you own a sport bike, you may be able to save by choosing a cruiser bike instead.

Young riders are often the most expensive to insure, but there's a way to save: if possible, consider insuring your motorcycle on your parents' policy. This can increase their premiums, but it's often cheaper than insuring a young rider on their own plan.

If you live in a state that uses credit score as a factor in insurance pricing, maintaining a good credit score can help you save on full coverage motorcycle insurance. Paying bills on time and not taking on more debt can improve your credit score.

Here are some of the cheapest companies for full coverage motorcycle insurance:

Remember, the cheapest company for you will depend on your state, driving history, and other factors. It's always a good idea to shop around and compare quotes before making a decision.

Full coverage insurance is a type of motorcycle insurance that includes liability coverage and additional coverages to protect your bike in case of an accident.

These additional coverages provide physical damage protection to your motorcycle, paying to fix it or pay you the book value if it's totaled. If you can't afford to replace your motorcycle, full coverage insurance is a good idea.

Riders with low-value motorcycles or who can afford to replace their bike may not need full coverage insurance, but if you're not in that situation, it's worth considering.

Motorcycle insurance is a type of insurance policy that protects you financially in case of an accident or damage to your bike.

It's a requirement in many states to have motorcycle insurance, so it's essential to understand what it covers.

Motorcycle insurance typically includes liability coverage, which pays for damages to other people or property in the event of an accident.

This can include medical expenses, property damage, and even legal fees if you're sued.

In most states, you'll need to have a minimum amount of liability coverage to register your motorcycle.

For example, in California, you'll need to have at least $15,000 in bodily injury liability coverage.

Optional coverages like comprehensive and collision coverage can also be added to your policy.

These coverages can help pay for repairs or replacement of your motorcycle if it's damaged or stolen.

Comprehensive coverage, for instance, can help pay for damages caused by theft, vandalism, or natural disasters.

Collision coverage, on the other hand, can help pay for damages caused by a collision with another vehicle or object.

Full coverage insurance is a type of motorcycle insurance that includes liability coverage and additional coverages that protect your bike from physical damage.

Full coverage insurance pays to fix or replace your bike if it's damaged or totaled in an accident with another motorcycle or vehicle.

If you're involved in an accident, your bodily damage coverage under full coverage insurance will pay to fix your bike or give you the book value if it's totaled.

Comprehensive insurance, on the other hand, covers damage from events like weather, hitting an animal, theft, vandalism, and broken windshields.

Collision coverage pays for damage caused by a collision with another motorcycle or vehicle, but you'll have to pay a deductible first.

If your bike is beyond repair, collision coverage will give you the book value, minus your deductible and any existing damage.

Full coverage insurance is a good idea because it protects your bike from a range of potential risks, including accidents and theft.

Standards motorcycles are a great option for those who want a versatile bike without breaking the bank. The Honda NC700X, Kawasaki Ninja 650/Versys, and Suzuki SFV650 are all middleweight standards that are among the least expensive to insure.

These bikes are often considered the modern interpretation of the UJM, which is refreshing in today's world of specialized motorcycles. They're perfect for riders who want a bike that can do it all, from commuting to touring.

One of the benefits of owning a standards motorcycle is the relatively low insurance costs. The Honda NC700X, Kawasaki Ninja 650/Versys, and Suzuki SFV650 are all great options in this regard.

If you're in the market for a big displacement standard, the Triumph Speed Triple is a great choice. It narrowly edged out other bikes like the Kawasaki Z1000 and Ninja 1000 in terms of insurance costs.

Here are some popular standard motorcycles to consider:

If you can't afford to replace your motorcycle, full coverage insurance is a must. If you're unsure, consider your financial situation and the value of your bike.

Riders with low-value motorcycles might not need full coverage insurance. You should weigh the cost of insurance against the value of your bike.

If you can afford to replace your motorcycle, you might not need full coverage insurance. However, if you can't afford to replace it, consider the costs of repair or replacement in the event of an accident.

Ultimately, the decision to get full coverage insurance depends on your individual circumstances.

If you're looking to save on motorcycle insurance, consider shopping around with different insurance companies - it can save you up to 56% on full coverage insurance.

Choosing a higher deductible for comprehensive and collision insurance can also lower your costs, but make sure you can afford to pay it if you need to file a claim.

Young riders can save by insuring their motorcycle on their parents' policy if possible, though this may increase the cost of the parent's insurance policy.

In states that use credit score as a factor in insurance pricing, those with better credit can save on full coverage motorcycle insurance.

The average annual cost for full coverage motorcycle insurance across the U.S. is $364, which is $222 more than liability-only coverage.

Here are some ways to save on full coverage motorcycle insurance:

By following these tips, you can save money on your motorcycle insurance and get the most affordable coverage for your needs.

Progressive Motorcycle Insurance offers a range of discounts that can help you save on your motorcycle insurance policy.

If you bundle your motorcycle insurance with another Progressive policy, such as auto, RV, or homeowners, you can receive a discount.

To qualify for the Safe and Steady Rider discount, you must be at least 45 years old and have at least three years of riding experience with no accidents or violations.

You can also earn a discount by completing an approved motorcycle, ATV, or snowmobile safety course.

Members of Harley Owners Group or United Services Automobile Association receive discounts on Progressive motorcycle insurance policies.

Here are some of the notable bike insurance discounts offered by Progressive:

Progressive offers full coverage with extra add-ons, including custom parts, OEM parts, total loss coverage, lost wages if injured, and belongings coverage for personal gear.

If you're in the market for a cruiser, you've got some great options for cheap motorcycle insurance. The Honda Shadow 750, Suzuki Boulevard S40, and Star V Star Custom all returned the same prices during our search.

In fact, these three bikes are tied for the cheapest cruiser insurance rates. This is great news for anyone looking for a reliable ride without breaking the bank.

If you're a beginner, the Honda CB500X and CB500F are good options to consider. They've already been granted fairly inexpensive coverage fees from insurance companies, making them a great choice for new riders.

For sportbikes, the Kawasaki ZX-10R stands out as a good value. GEICO quoted a significantly lower rate for this bike than other Japanese 1000s, making it a great option for those who want a high-performance ride without the high insurance costs.

The Honda CB500X/F is a great option for those looking for a reliable motorcycle.

These bikes have already been granted fairly inexpensive coverage fees from insurance companies.

You can expect the coverage fees to be lower than the CBR500R, which is its 500cc stablemate with a full fairing.

The CB500X and CB500F are also within a few bucks of each other in terms of cost.

Their 500cc engine size likely contributes to their relatively low insurance costs.

The Triumph Daytona 675 is a great choice for sportbike enthusiasts on a budget. It's a middleweight sportbike that outperformed its Japanese counterparts in terms of insurance costs, with significantly less expensive quotes. I've found that insurance companies often consider the bike's make and model when determining premiums, so it's worth shopping around to find the best deal. If you're in the market for a sportbike, the Triumph Daytona 675 is definitely worth considering. Its impressive performance and affordable insurance costs make it a standout choice in the sportbike category.

The Kawasaki ZX-10R is a popular choice for sportbike enthusiasts. It's a Japanese literbike, and when it comes to insurance, it's priced similarly to other Japanese brands like the Big Four and BMW.

GEICO, however, stands out as a company that quotes lower rates for the ZX-10R compared to other Japanese 1000s.

If you're in the market for a cruiser motorcycle, you're not short on options. There are several models that returned the same prices during our search.

The Honda Shadow 750, Suzuki Boulevard S40, and Star V Star Custom are all great choices for those looking for a cruiser with some pep. They all have similar prices, making them a great value.

A slight step up in displacement brings us to the Kawasaki Vulcan 900 Classic, Suzuki Boulevard C50, and Triumph America/Speedmaster. These three models all returned the same quote during our search, and they all have V-Twin engines.

The Suzuki Boulevard C50 has the smallest engine of the trio at 803cc, while the Triumph America/Speedmaster has a 865cc engine. The Kawasaki Vulcan 900 Classic takes the lead with a 903cc engine.

The Triumph Speed Triple is a standout when it comes to big displacement standards. It narrowly edged out bikes like the Kawasaki Z1000 and Ninja 1000, Yamaha FZ8, and Suzuki GSX1250FA in terms of insurance costs.

The Speed Triple's engine is one of our favorites, and it's clear why it's a popular choice. Its impressive handling and fairly comfortable ergos make it a joy to ride.

Insurance companies may vary in their quotes, but on average, the Triumph Speed Triple comes out as the best bargain compared to its competitors. This is great news for riders who want to enjoy the bike without breaking the bank.

If you're in the market for a new bike, be sure to check out the Triumph Speed Triple. It's a great option for anyone looking for a reliable and affordable ride.