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Cheap Motorcycle Insurance: How to Find the Cheapest Rates and Save
Jerry is a free app trusted by 5 million drivers that compares motorcycle insurance quotes from top insurers.
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Get personalized motorcycle insurance options in minutes.
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Buy and switch right in the app.
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Licensed agents are ready to help if you need them.
Ben Moore is a writer and editor at Jerry. He previously worked as a writer, editor and content strategist at NerdWallet, and has bylines in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He holds a bachelors degree in marketing from Olivet Nazarene University.
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6 years covering auto insurance
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
Because we pull real quotes every month, the prices on this page are not estimates. They are what riders are actually paying right now, so you can see which companies have the cheapest motorcycle insurance today.
When it comes to finding affordable insurance, buying the cheapest policy is not always the wisest move. Here we’ll show you the lowest prices we’re finding, and we will also be honest about when going too cheap on coverage could leave you paying far more after a crash.
See motorcycle quotes side-by-side with Jerry.
The cheapest motorcycle insurance companies right now
Every insurer prices risk differently. Some want cruiser riders with clean records, others want sport bike riders, and a few are friendlier to riders with a ticket or two on their record. That is exactly why comparing quotes from multiple companies is the best way to land your lowest price.
Cheapest full coverage motorcycle insurance
Based on Jerry customers with clean riding records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry recommends: For greater financial protection, we recommend riders get a policy with comprehensive and collision coverage and liability limits of 100/300/100, which means $100,000 in bodily injury per person, $300,000 per accident and $100,000 in property damage liability.
Cheapest liability-only motorcycle insurance
Every state except Florida requires motorcyclists to carry minimum liability insurance. State-minimum coverage is the cheapest motorcycle insurance you can buy, but it only pays for the damage you do to other people and their property. It pays nothing for damage on your bike, your gear or your own injuries.
Based on Jerry customers with clean riding records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry recommends: Liability-only is the cheapest way to ride legally, but it does not cover your own bike or your injuries in case of an accident. It makes the most sense for older, paid-off bikes, but if your bike is newer full coverage can be worth the extra cost. You’ll be required to have full coverage if your bike is leased or financed.
Buy cheap motorcycle insurance online in minutes with Jerry
Jerry is the only digital insurance service that lets you compare motorcycle insurance quotes and purchase your policy right in the app. No one else does this.
With Jerry, you can:
🔍 Compare multiple insurers at once. See prices and coverage options from top carriers in one place. Instead of spending hours collecting quotes one by one, Jerry gathers them in minutes.
📱 Buy entirely online. Get covered without unwanted phone calls or spam. Jerry never sells or shares your data for marketing purposes, and we use bank-level security to protect it.
💬 Get help when you need it. Have questions? Jerry’s licensed agents are just a chat or phone call away, 7 days a week.
🔁 Stay protected over time. We watch your rate, alert you when it is time to reshop and remind you about renewals. Jerry is your insurance assistant, not just a one-time tool.
Liability-only vs. full coverage
Liability-only coverage will be the cheapest option, but it will often leave you underinsured. According to the National Highway Traffic Safety Administration, motorcyclists are far more likely to be injured in a crash than people in cars. A liability-only policy won’t pay for your injuries after a crash you cause.
Uninsured drivers are a problem for riders, too. According to the Insurance Research Council, more than one in seven U.S. drivers had no insurance in 2023. If one of them hits you while you are in a car, you have a steel frame and airbags around you. On a bike, you have your jacket and helmet. That is why uninsured motorist coverage is worth adding to your policy at limits that match your liability insurance, instead of sticking with liability-only.
Jerry recommends getting full coverage with liability limits high enough to protect your savings, not just the bare minimum your state allows. The price gap between minimum coverage and full coverage is usually a lot smaller than people expect.
Here is what that difference actually looks like.
Liability-only: average monthly quote by rider age
Based on Jerry customers with clean riding records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Full coverage: average monthly quote by rider age
Based on Jerry customers with clean riding records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Liability-only insurance protects everyone except you, your passenger and your bike. Since riders face higher injury risk and uninsured drivers are common, full coverage is often worth the extra cost.
How to save on motorcycle insurance
No matter who you are or what you ride, there are ways to bring your premium down. Here are some of the most common.
1. Shop around and compare quotes
Jerry has found that the difference between the cheapest and most expensive quote for the same rider can be up to 76%, so it pays to compare before buying.
It takes a couple of minutes to get motorcycle insurance quotes through Jerry. You’ll see rates from multiple carriers side by side, you can toggle between different coverage levels and add-ons, and you can buy right in the app when you’ve made your choice.
2. Take a motorcycle safety course
This is the most rider-specific discount available. Complete an approved course like the MSF Basic RiderCourse and most insurers will lower your premium. Many states also waive the riding portion of the license test when you pass. And if you are over 50, a refresher course can earn you a mature rider discount on top.
3. Time your shopping
There are three good times to get fresh quotes.
- At every renewal, whether your policy runs 6 or 12 months.
- After a violation falls off your record, usually around the 3-year mark.
- Right before riding season, when you are already reviewing your policy anyway.
If you get your policy through Jerry, we monitor your rate and let you know when it’s time to reshop, so you don’t have to keep track yourself.
4. Raise your deductible
A higher deductible means a lower premium. Going from $500 to $1,000 typically saves Jerry riders 39% on comprehensive and collision. The catch is that you have to actually be able to pay that deductible if something happens.
5. Use a lay-up period
If your bike sits in storage for the winter, ask your insurer about a lay-up period. Your coverage drops to just comprehensive insurance, and your premium drops with it. You can’t legally ride during this time, since your state’s required liability limits are not active, but your bike stays protected against damage and theft while it’s parked.
What you should not do is cancel your policy outright. Even a short gap in coverage flags you as a higher-risk customer and can raise your rate when you sign back up in spring. An uninsured bike in the garage also has no protection against things like theft or fire.
6. Check your credit
Unless you live in California, Hawaii, Massachusetts or Michigan, your credit score helps set your motorcycle insurance rate, the same way it does for your car. Paying down balances and fixing errors on your credit report takes time, but it’s worth the effort since better credit means savings on every policy you buy.
7. Stack the discounts you may be missing
Carriers don’t always volunteer every discount you qualify for, but if you shop with Jerry, we’ll find and stack discounts you’re eligible for.
For riders, the list can include discounts for safety courses, anti-theft devices, riding club memberships, insuring more than one bike, paying in full, going paperless and owning a home.
8. Pick your next bike with insurance in mind
The bike you ride is one of the biggest factors for your premium. According to the Insurance Information Institute, insurers put emphasis on your motorcycle’s style, engine size, age and anti-theft features when setting your rate. A 600cc supersport and a 900cc cruiser can produce wildly different premiums for the exact same rider.
If you are still bike shopping, get quotes before you buy. Jerry can quote a bike you don’t own yet, so your insurance costs can be part of your purchasing decision instead of a surprise later on.
Key takeaway: The fastest way to save is comparing quotes. Safety courses, higher deductibles, stacked discounts and winter lay-up periods can lower your premium further without cutting protection.
Cheapest motorcycle insurance by rider age
Age is one of the biggest pricing factors in motorcycle insurance, especially at the extremes. Young riders pay the most, rates mellow out through middle age, and older riders can claw back any late increases with a mature rider course.
Here is what each age group is paying according to Jerry’s customer data.
Based on Jerry customers with clean riding records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Young riders pay the most for motorcycle insurance, and rates gradually drop with age and a clean record. Riders over 50 can lower costs further with a mature rider course, and comparing quotes helps at every age.
Cheapest motorcycles to insure
As a rule, the cheapest bikes to insure are standards, cruisers and smaller-engine machines with reasonable repair costs and low theft rates, while supersport bikes are more expensive since insurers associate them with riskier riding and bigger claims. Plus, thieves like them as much as riders do.
Here are the cheapest motorcycles to insure based on recent Jerry quotes.
Based on Jerry customers with clean riding records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry recommends: If you are choosing between bikes, get insurance quotes before you buy. Jerry can quote a motorcycle you don’t own yet, so you can factor the cost of coverage into your decision instead of finding out after the purchase.
Get covered and ride confident with Jerry.
FAQs
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How often should I shop for motorcycle insurance?
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Is liability-only motorcycle insurance enough?
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Should I cancel my insurance during the winter to save money?
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Does my age affect my motorcycle insurance rate?
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What is the cheapest motorcycle insurance I can get?
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Is the cheapest quote always the best choice?
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.