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The last time I got a ticket was when I was 17. I’ve only been in two accidents, and both were when I was 16. With that much time between now and then, my risk profile looks pretty good to an insurance company.

My partner doesn’t have that luxury. She has more than a dozen speeding tickets, and her last accident was two years ago. Although her driving record doesn’t require SR-22 insurance, the quotes she receives are significantly higher than mine.

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If your driving history is closer to my partner’s than mine, these tips can help you find the right type of high-risk motorcycle insurance that protects you well when riding.

  1. Raise Your Credit Score

Your credit score automatically qualifies you as a high-risk rider in some states. Statistically, people with a FICO rating of under 600 are more likely to file claims than those with a higher score.

Each insurer uses a proprietary scoring mechanism when evaluating your risk factors. Your best option in this circumstance is to work on raising your credit score quickly.

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  1. SR-22 / FR-44 Insurance

SR-22 insurance is not a type of insurance but a certificate proving you have the required liability insurance coverage to ride where you live legally.

FR-44 insurance follows the same principles. These options are required for drivers involved in serious violations or accidents.

It can also be required if you’ve been caught riding without insurance. Look up the specific requirements for this coverage in your state, as each has its own rules regarding these certificates.

Here learn the differences between SR22 and FR44.

  1. Work with a Specialty Provider

Motorcycle insurance providers like The General specialize in working with high-risk drivers. You’ll get the legal policy minimums allowing you to ride, but you’ll find fewer coverage options.

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The General underwrites their policies through Dairyland. Other agencies have similar relationships when requesting a motorcycle insurance quote, so it helps to read the terms and conditions of each offer carefully.

Specialty providers often operate in a specific geographic area, so not all offers may be available where you live.

  1. Shop Around

Insurance rates can vary significantly from one provider to another. Get quotes from multiple companies to compare prices and coverage choices.

If you have multiple insurance needs, consider bundling with the same provider to save some money.

  1. Take Defensive Driving Courses

Some motorcycle insurers offer discounts to policyholders who complete an approved defensive driving course. Check with your provider to see if they provide these savings opportunities.

If you don’t see discounts as a high-risk rider, don’t hesitate to ask an agent what is available. In the meantime, continue working to improve your driving record and credit score to get those rates to start falling.

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Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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