and how much is motorcycle insurance discounts in your state to get a policy that meets your unique needs and budget. how much is motorcycle insurance Using the list below, click on your state to learn more about how much is motorcycle insurance how much is motorcycle insurance coverage available to you, as well as a list of insurance discounts to help you save money on your policy. insurance how much is motorcycle insurance Get an online how much is motorcycle insurance quote and start saving today.
The average cost of motorcycle insurance is $702 per year in the U.S., but rates can vary by more than 250% depending on your location. While most U.S. states have made motorcycle insurance legally mandatory, every rider benefits from active coverage regardless of local requirements.
How much does motorcycle insurance cost?
The cost of motorcycle insurance depends on a number of factors such as your age, where you live, the type of bike you ride and your credit score. The cost depends on the type of bike you own. You can expect to pay more if you want to ride a high-performance sports bike or a bike with a large engine. Insurance for a motorcycle primarily used for recreation or pleasure will be cheaper than a bike used for a daily work commute or commercial use. Premiums also will depend on whether or not your bike has been modified, customized, rebuilt, salvaged or converted.
You can save money on motorcycle insurance by bundling auto, homeowners and other policies with your carrier, completing a motorcycle safety course or joining a riding group.
It'll also depend on the coverage levels you choose, whether you opt for a state-minimum liability policy or full coverage.
What are motorcycle insurance requirements?
In most states, you must buy a motorcycle insurance policy that meets minimum liability coverage. That's usually the same as your auto insurance minimum coverage requirement in most states. But it's advisable to buy more insurance coverage than your state requires. That way, you and your motorcycle are protected in case you're in an accident. You could also consider obtaining more coverage in case a lawsuit is filed against you. It will protect you and your assets if your bike is severely damaged, someone is hurt in an accident you cause or if you damage someone's property. Some states also require motorcycle riders to carry coverage for uninsured or underinsured motorists. The coverage will pay for injuries in an accident caused by a driver who doesn't carry sufficient coverage. Check with an agent to discuss your individual coverage needs and concerns.