How Much Does Motorcycle Insurance Cost?
Updated for 2026 — national average costs with state-by-state breakdowns
What Does Motorcycle Insurance Include?
Motorcycle insurance covers liability, collision, comprehensive, and medical payments for motorcycle riders. Required by law in most states, coverage costs vary widely based on the rider's age, bike type, and riding history.
The national average cost for motorcycle insurance is $800 per year. Most homeowners pay between $300 and $2,000, though costs can vary significantly based on your location, the scope of work, and other factors outlined below.
What Affects the Price?
Bike Type
Cruiser: $300-$800/year. Standard/touring: $400-$1,000. Sport bike: $800-$2,500. Supersport (600cc+): $1,500-$4,000+
Rider Age
Under 25: 50-100% more. 25-65: base rate. Over 65: 10-20% more
Coverage
Liability only: $100-$400/year. Full coverage: $500-$2,000+/year
Key Cost Factors
- ✓Motorcycle type and engine size
- ✓Rider age and experience
- ✓Coverage levels
- ✓State requirements
- ✓Riding history and claims
- ✓Annual mileage
- ✓Storage and security
💡 Tips to Save Money
- 1.Complete a motorcycle safety course (MSF) for 5-15% discount
- 2.Bundle with auto or home insurance for 10-25% savings
- 3.Higher deductibles ($1,000 vs $250) can reduce premiums 15-25%
- 4.Seasonal storage policies suspend coverage during winter months, saving 20-30%
📈 Motorcycle Insurance Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $679 | — |
| 2021 | $708 | +4.3% |
| 2022 | $754 | +6.5% |
| 2023 | $775 | +2.8% |
| 2024 | $800 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
Motorcycle Insurance Cost by State
Costs vary significantly by state due to labor rates, cost of living, and local market conditions. Click any state for a detailed breakdown.
| State | Low | Average | High |
|---|---|---|---|
| Alabama | $246 | $656 | $1,640 |
| Alaska | $384 | $1,024 | $2,560 |
| Arizona | $285 | $760 | $1,900 |
| Arkansas | $240 | $640 | $1,600 |
| California | $405 | $1,080 | $2,700 |
| Colorado | $324 | $864 | $2,160 |
| Connecticut | $366 | $976 | $2,440 |
| Delaware | $315 | $840 | $2,100 |
| Florida | $294 | $784 | $1,960 |
| Georgia | $270 | $720 | $1,800 |
| Hawaii | $426 | $1,136 | $2,840 |
| Idaho | $276 | $736 | $1,840 |
| Illinois | $315 | $840 | $2,100 |
| Indiana | $264 | $704 | $1,760 |
| Iowa | $258 | $688 | $1,720 |
| Kansas | $255 | $680 | $1,700 |
| Kentucky | $252 | $672 | $1,680 |
| Louisiana | $261 | $696 | $1,740 |
| Maine | $306 | $816 | $2,040 |
| Maryland | $345 | $920 | $2,300 |
| Massachusetts | $390 | $1,040 | $2,600 |
| Michigan | $276 | $736 | $1,840 |
| Minnesota | $306 | $816 | $2,040 |
| Mississippi | $234 | $624 | $1,560 |
| Missouri | $261 | $696 | $1,740 |
| Montana | $285 | $760 | $1,900 |
| Nebraska | $264 | $704 | $1,760 |
| Nevada | $306 | $816 | $2,040 |
| New Hampshire | $336 | $896 | $2,240 |
| New Jersey | $375 | $1,000 | $2,500 |
| New Mexico | $270 | $720 | $1,800 |
| New York | $396 | $1,056 | $2,640 |
| North Carolina | $270 | $720 | $1,800 |
| North Dakota | $270 | $720 | $1,800 |
| Ohio | $270 | $720 | $1,800 |
| Oklahoma | $249 | $664 | $1,660 |
| Oregon | $330 | $880 | $2,200 |
| Pennsylvania | $306 | $816 | $2,040 |
| Rhode Island | $345 | $920 | $2,300 |
| South Carolina | $261 | $696 | $1,740 |
| South Dakota | $255 | $680 | $1,700 |
| Tennessee | $258 | $688 | $1,720 |
| Texas | $279 | $744 | $1,860 |
| Utah | $285 | $760 | $1,900 |
| Vermont | $324 | $864 | $2,160 |
| Virginia | $315 | $840 | $2,100 |
| Washington | $345 | $920 | $2,300 |
| West Virginia | $240 | $640 | $1,600 |
| Wisconsin | $282 | $752 | $1,880 |
| Wyoming | $276 | $736 | $1,840 |
Frequently Asked Questions
Do I need motorcycle insurance?
All states except Florida and Montana require at least liability insurance for motorcycles. Even where not required, riding without insurance is financially risky — motorcycle accidents have high injury rates and medical costs can be devastating.
Why is motorcycle insurance so expensive for sport bikes?
Sport bikes have the highest accident and theft rates of any motorcycle type. Their high performance encourages aggressive riding, and riders tend to be younger. A 600cc sport bike can cost 3-5x more to insure than a cruiser of similar value.
🏙️ Motorcycle Insurance Cost by City
Compare motorcycle insurance costs in the most popular US cities:
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