How Much is Motorcycle Insurance?

Hobbyists and gearheads across the country enjoy the freeing feeling of riding a motorcycle. The sun and wind provide an experience that a car simply cannot. But much like a car, your motorcycle will still need to be insured in order to remain legal. But how much does motorcycle insurance cost?

The answer to that question is different for everyone because motorcycle insurance quotes are dependent on a huge assortment of factors that all impact risk, and therefore cost. Some of these factors include:

Model, make and year of your bike

Your age

Your driving record

Local crime rates

Local weather patterns

Frequency of usage (such as seasonal riders vs. year round riders)

Type of storage

Your claims history

All of these factors, among others, play a role in how much risk you present to your insurance provider. The lower the risk you present, the lower you’re likely to pay for motorcycle insurance. But since quotes are so customized, you’ll have to contact your agent to get an accurate price tag.

Be sure to ask your agent about discount options. Many insurance providers offer an assortment of discounts, but you may not learn about them unless you ask. Some options to ask about include a good driver discount, a multi-policy discount and a discount for taking a motorcycle safety course.