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When riders start shopping for motorcycle insurance, they need specific information about their bike, driving record, and claims history.

Instead of settling for a single quote, it helps to shop around to find the best price for your required coverage. Some insurers could offer discounts to you that others don’t have or provide to you.

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Before buying motorcycle insurance from anyone, perform your due diligence and check the state’s insurance requirements. In 2023, 49 out of 50 states require coverage in some or all circumstances. Florida does not, but you must provide proof of financial accountability – and a policy does that to avoid paying for property damage and medical costs out of your pocket.

How to Obtain a Motorcycle Insurance Quote

If you gather the correct information before requesting a quote, the process only takes a few minutes to complete with most insurers.

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You’ll be given an online form to fill out. Once you reach that page, you’ll need to provide accurate information about the following items.

  • Details About the Motorcycle. You’ll be asked for the make and model of the bike you’ve purchased, including the engine size and the VIN, typically found on a frame rail or near the headstock. On rare occasions, it could be on the engine’s bottom.
  • Your Driving History. This information includes previous accidents (including in automobiles), how long you’ve had a motorcycle license or endorsement, and any tickets or citations in the past 1-5 years.
  • User Intent for the Bike. Insurance companies want to know if you plan to race your motorcycle at the track, use it for regular travel, or have it available for business purposes.

Because a motorcycle insurance quote requires personal information to be accurate, an anonymous request is not possible.

Once you’ve submitted the online form to receive your motorcycle insurance quote, you might get asked to speak with an agent or broker. This need occurs when you have a custom, classic, or antique bike that you want to take on the road.

The online forms don’t have fields that can calculate the price for all the possible customizations or qualities that add more value to the bike than a stock factory-built motorcycle in the last year or two.

How Much Is It to Insure a Motorcycle?

After submitting the requested information, you’ll be given a quote for your motorcycle insurance. The average rider in the United States pays a little over $500 per year for this coverage, which is about $40 per month.

Your premium depends on several factors, including where you live and your preferred limits. Optional policies and riders increase this cost more, and those with liability will pay less than motorcyclists who want or need comprehensive and collision coverage.

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Optional protection for motorcycle insurance depends on the company and where you live, but they may include any or all of the following.

Motorcycle insurance quotes are not binding. You can use them to shop around for the best rate or combination of protection options. If the price differs from your liking, you can always add or subtract different coverages when shopping online until you reach a budget-friendly result.

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Author

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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