The average premium for motorcycle insurance is around $700, according to our nationwide analysis of quotes. Rates are affected by three main factors: the amount of coverage you ask for, the level and nature of risks in your area and the personal details that you provide.

No single motorcycle insurance company is best for every rider, but there are generally two options. Major insurers like Progressive and Geico offer standard motorcycle insurance, with discounts for bundling in your auto and homeowners insurance. Specialty insurers like Dairyland are more focused on providing more extensive coverage to dedicated riders.

You can obtain the cheapest possible motorcycle insurance rates by buying the minimum coverage required in your state. Most states only require a small amount of liability coverage for bodily injury and property damage. However, this leaves your bike unprotected from collisions and other risks.