What impacts the cost of motorcycle insurance?

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What impacts the cost of motorcycle insurance?

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Here’s what affects your price for motorcycle insurance



We know you live to ride, but did you know that where your ride lives greatly impacts your insurance rate? Riders in colder states with shortened riding seasons usually have fewer accidents and insurance claims. That means lower rates. Conversely, you’re likely to pay more for motorcycle insurance in warmer states, where more opportunities to ride lead to more accidents and claims.

Age and riding experience

Generally, your rate will decrease as you get old older, until you reach your 70s. Teenage riders pose the biggest risk for insurers, and will typically pay higher rates. But your age won’t always tell the whole story. If you’re an inexperienced motorcycle rider, you may pay a higher rate than a much younger rider with more experience. For example, a 35-year-old who just started riding may pay more than a 23-year-old with five years of riding experience.

Vehicle usage

If you ride to and from work, you’ll usually pay more than a casual weekend rider. Using your bike for business purposes may make you ineligible for a personal motorcycle policy and require a business policy.

At many insurers, annual mileage may also impact how your rate is calculated. The more you ride, the higher your rate.  


Speeding and traffic tickets

A speeding ticket on your motor vehicle report will likely increase your price for motorcycle insurance, whether the violation happened in your car or on your bike. In most states, violations will usually fall off your driving record after three years and your insurer will no longer charge you for it.

Accident and claim history

Any auto or motorcycle accident on your motor vehicle or claims history will likely increase your motorcycle insurance rate. At-fault accidents will generally be costlier than not-at-fault accidents, and most claims will negatively affect your insurance price.

Type of bike

When comparing motorcycles in the same class, the model with the bigger engine will usually cost more to insure. A high-performance bike has a greater risk for an accident than a touring model.

Coverage selection

Adding comprehensive and collision will cost you more than the state minimum liability coverage. While a liability-only policy will cost the least, it won’t protect your bike from physical damage. 

The higher your deductible, the more of the repair or claim cost you’ll have to take on. That means your out-of-pocket costs will be higher at the time of the accident, but you’ll have a lower overall rate and vice versa.

Just get a quote to see exactly how customizing your coverages impacts your rate.


Many motorcycle insurers check credit, so a better credit rating can add up to money saved on insurance. Remember, getting a quote will never affect your credit score.

Motorcycle endorsement

A motorcycle endorsement is simply a driver’s license for motorcyclists. While not required in every state, having one will bring down your cost for insurance. 

Harley-Davidson® Owners Group

If you’re a HOG association member and have at least one Harley-Davidson on your motorcycle policy, you’ll earn a discount in 42 states.


If you already have an auto, home, boat, or RV policy with us, you’ll enjoy a multi-policy discount on your motorcycle policy.


To read the full article, click here.