Motorcycle Insurance: Choosing the Right Coverage for Your Hog

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Motorcycle Insurance: Choosing the Right Coverage for Your Hog
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Selecting the ideal motorcycle is similar to choosing the perfect motorcycle insurance plan. You want it to meet your demands and match your way of life while aligning with your means.

Motorcycle insurance was created to safeguard both you and your vehicle. When it comes to motorcycle insurance, you want more than just low pricing; you want to be sure your motorcycle is covered.

Types of Motorcycle Insurance 

When Is Motorcycle Insurance Not Provided?

Why Is Motorcycle Insurance Important?

Motorcycles face a high probability of collisions compared to other motor vehicles because the driver sits on top of the car rather than safe space clad with airbags and a boundary. Likewise, not all motorcycle riders wear the recommended padding, which adds to the danger. 

Incidents can get even more complicated if they involve another rider on the back. In this case, damage and injuries are usually worse than that in a car accident.

But then again, since motorcycle insurance is explicitly tailored to motorcyclers’ risks and needs, most risks can be mitigated.

Motorcycle Insurance Choosing the Right Coverage for Your Hog

Factors Influencing Motorcycle Insurance Quotes

Motorcycle Insurance Deductibles

A deductible is how much you must pay out of pocket before your insurance plan kicks in.

As a rule, the lower the deductible, the higher the insurance premium, and vice versa.

How To Get Affordable Motorcycle Insurance

Maintaining a clean driving record and having no or few claims will help you save on your insurance premium. Likewise, you can avail of discounts, such as, for example, multi-bike, multi-policy, or mature rider discounts.

Motorcycle Insurance Coverage Limits

Every coverage in your policy has a fixed upper limit to which you can be covered.

Types of Motorcycles Covered

Motorcycle Insurance Quotes

Motorcycle insurance rates differ depending on the state, type of coverage, insured’s age, deductible, and history of claims.

These free motorcycle insurance quotes can help you decide on your motorcycle insurance plan:

Motorcycle Insurance Quotes Compared

The cost of motorcycle insurance varies from company to company. Obtaining multiple motorcycle insurance quotes is one of the quickest and easiest ways to ensure you have the best insurance rates.


Liability, per year

Full Coverage, per year
















Average Motorcycle Insurance Quote By Age

Why Do Sports Bikes Have High Insurance Rates?


Frequently Asked Questions

How much is motorcycle insurance?

The premium will vary depending on the vehicle’s e make/model/age, driving history, state, and more factors.
The average liability-only insurance policy costs approximately $141 per year, while the average full-coverage policy costs around $364 per year. However, the cost of motorcycle insurance in your specific situation may vary significantly.
Motorcycle Insurance - 1

Which company has cheap motorcycle insurance quotes?

Progressive offers the most affordable motorcycle insurance, starting at $266 for full coverage.

Does motorcycle insurance cover theft or vandalism damage?

Motorcycle insurance that includes comprehensive coverage will pay for theft and vandalism.


Oleksandr is an expert in deep research. He covers various insurance topics across verticals, adopting to every local law.

Date added: October 25, 2022