Total Motorcycle Community Forums

What is Your Yearly motorcycle insurance cost?

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Motorcycle insurance keeps creeping up and up and is one of the main reasons motorcycling can be hard to get into. What do you pay?

The yearly cost of motorcycle insurance depends on factors like the rider's age, location, driving history, bike model, and coverage options. On average, it ranges from $300 to $1,000 annually. Comprehensive coverage, which includes theft and collision, tends to be more expensive than basic liability. Riders can lower premiums through discounts, safe driving courses, and bundling insurance policies.

350 a year approx. But I don’t remember exactly, to be honest. Will be talking to Allstate customer service https://allstate.pissedconsumer.com/cus ... rvice.html these days and will ask them about the exact amount. It’s always better to get confirmation directly from them. I’ve had some mixed experiences with insurance companies, so I want to make sure I’m getting the best possible deal. If anyone else has had similar experiences with Allstate or knows how their pricing works, feel free to share! It’ll help me figure out what to expect when I contact them.

$741 a year for liability and uninsured motorist with no medical in Colorado. My Truck costs a little over $800 with Medical (four years ago bike cost about 1/5 as much as Truck)

RiderX99: I pay $450/year for full coverage on my Harley.

BikerJoe: Sportbike insurance is pricey—mine’s $600/year due to past tickets.

BudgetRider: Liability-only on my cruiser costs just $150/year.

TouringNomad: Full coverage + roadside assistance = $900/year, but worth it for long trips.

CityRider: Living in California, I pay $700/year—big city rates are high!