How Much Does Motorcycle Insurance Cost in Kentucky?
Kentucky pricing is below the national average. Updated for 2026.
Motorcycle Insurance Pricing in Kentucky
In Kentucky, the average cost for motorcycle insurance is $672 per year, which is 16% lower than the national average of $800. Most Kentucky residents pay between $252 and $1,680.
Kentucky benefits from a lower cost of living than many states, resulting in more affordable pricing for motorcycle insurance. This makes it one of the more budget-friendly states for this service.
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.
Kentucky vs National Average
What Affects Motorcycle Insurance Cost in Kentucky?
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
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💡 Tips to Save on Motorcycle Insurance in Kentucky
- 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 in Kentucky Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $570 | — |
| 2021 | $594 | +4.2% |
| 2022 | $633 | +6.6% |
| 2023 | $651 | +2.8% |
| 2024 | $672 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Motorcycle Insurance in Kentucky
Recent Reports
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 in Other States
Related Cost Guides for Kentucky
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