Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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How Much Does Motorcycle Insurance Cost?
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
But what can be difficult with motorcycle insurance is shopping for it. Rates differ from one insurer to the next, and the cheapest carrier for one rider is rarely the cheapest for another. Many riders renew with whoever they have and quietly overpay.
See motorcycle quotes side-by-side with Jerry.
Average motorcycle insurance cost by company
The insurance company you choose plays a role in what you’ll pay. Each carrier weighs riders differently, so the same person can get different prices depending on the company.
Here is how full coverage costs compare across the carriers Jerry quotes, based on policies from the past 12 months.
Based on Jerry customers with clean riding records who received quotes in the past 12 months. Savings depend on coverage, location and other factors. Potential savings will vary.
Key takeaway: The same rider can get very different prices from different carriers. Comparing several quotes with Jerry is one of the best ways to find your lowest rate for the coverage you need.
Factors that affect motorcycle insurance rates
Motorcycle insurance is one of the most personalized products you will ever buy. Here are the main pricing factors insurers use, and why the average costs in this article may not always match the quote you see.
🏍️ Your bike
The type of bike you ride will impact your insurance costs. For example, a 600cc supersport typically costs more to insure than a larger cruiser, since insurers associate supersports with riskier riding and higher theft rates.
🎂 Your age
Age is one of the biggest pricing factors. Riders under 25 pay the most because younger riders statistically crash more often, while rates drop through your 30s and 40s.
📋 Your riding record
Accidents, speeding tickets and DUI convictions can follow you for three to seven years, and violations from your car record count, since insurers pull your full motor vehicle report.
📍 Your location
Dense cities see more accidents and bike thefts, which can increase premiums. Other factors like local laws, riding-season length and the share of uninsured drivers in your state also play a role.
🔒 Where you store your bike
A motorcycle parked in a locked garage is cheaper to insure than one left on the street, since theft and weather damage are the most common comprehensive claims.
💳 Your credit score
In every state except California, Hawaii, Massachusetts and Michigan, carriers use a credit-based insurance score to help set motorcycle rates, just like car insurance.
Jerry recommends: You cannot change your age or where you live overnight, but you can control your storage, anti-theft setup and which carriers you compare. It’s best to reshop for quotes whenever your riding record or credit improves.
Compare motorcycle insurance quotes in minutes with Jerry
Averages are a great benchmark to evaluate how much you might pay, but you can quickly get a personalized quote with Jerry. Jerry is the only quote comparison tool that lets you compare motorcycle insurance quotes and buy your policy right in the app, with no phone calls and no spam.
- Create your profile. Tell us a little about you and your bike.
- Compare quotes. Jerry pulls real quotes from top carriers, side by side, in minutes.
- Switch and save. Pick the best policy and Jerry helps you switch, including canceling your old one.
- Stay covered. Jerry watches market rates and lets you know when it is time to reshop.
Here are recent quotes from riders who shopped with Jerry.
Based on Jerry customers with clean riding records who received quotes in the past 12 months. Savings depend on coverage, location and other factors. Potential savings will vary.
Average motorcycle insurance rates by age
Here’s what Jerry customers pay for full coverage, and the lowest rates we found, based on age.
Based on Jerry customers with clean riding records who received quotes in the past 12 months. Savings depend on coverage, location and other factors. Potential savings will vary.
Jerry recommends: If you’re a younger rider looking to lower your premium, comparing quotes across carriers with Jerry and completing an approved safety course are two ways to bring your rate down.
Cheapest motorcycles to insure
What you ride has a big effect on what you pay. Repair costs, replacement values and theft rates all vary from one motorcycle to the next, so the make and model in your garage can move your premium as much as almost any other factor.
Here are the cheapest motorcycles to insure based on recent Jerry quotes.
Based on Jerry customers with clean riding records who received quotes in the past 12 months. Savings depend on coverage, location and other factors. Potential savings will vary.
Jerry recommends: Get an insurance quote before you buy the bike, not after. The cost to insure one model versus another might be higher than you expect, and Jerry can quote a motorcycle you don’t own yet.
How to lower your motorcycle insurance rates
Here are the most effective ways to lower your motorcycle insurance rate.
🎓 Take a motorcycle safety course.
An approved course like the MSF Basic RiderCourse earns a discount with most insurers and often pays for itself within a year or two.
❄️ Use a lay-up period for the off-season.
If your bike sits all winter, a lay-up period lowers your premium during storage months while keeping comprehensive coverage active. But don’t cancel your policy altogether, because a lapse in coverage raises your rates when you go to shop again.
💰 Raise your deductible.
Increasing your deductible usually lowers comprehensive and collision premiums. Just be sure you can afford the higher amount if you need to file a claim.
🔒 Add anti-theft protection.
Alarms, GPS trackers and garage parking all lower theft risk and can help you earn a discount.
Key takeaway: You can lower your rate without cutting coverage. A safety course, a higher deductible, anti-theft devices and an off-season lay-up period can all trim your premium, and stacking a few of them adds up to real savings.
Get covered and ride confident with Jerry.
FAQ
- How much is motorcycle insurance per month?
- Is motorcycle insurance cheaper than car insurance?
- Does motorcycle insurance cost more for new riders?
- Do I have to pay for motorcycle insurance year-round?
- Will switching motorcycle insurance companies raise my rate?