How Much Is Insurance for a Motorcycle?

When it comes to motorcycle insurance, you can expect a wide range of premiums depending on the model of bike you decide to purchase. Just like with automobiles, the highest performance will likely come with the highest premiums. If you intend on using your motorcycle for commuting, it is wise to get a smaller bike that is designed for travel, rather than a bike intended for show or competition. The model year of your bike is also taken into account when pricing your policy. The older the bike, the lower your cost will be to insure it. Taking these points into consideration can make a significant difference in the cost of your insurance policy. Whereas automobile insurance generally runs in a tighter window as far as cost variations are concerned, motorcycle insurance can vary exponentially. A few years difference, and a few more horsepower on your bike can make a 3 or 4 fold price difference.

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As with any other major purchase, it is wise to take into account what your motorcycle will cost beyond just the sticker price. One way to be prepared ahead of time would be to get some general quotes from your automobile insurance agency based on your driving history. Knowing the bike you intend to purchase will help you come to a more accurate figure. Regardless of the bike, it would be to your advantage to price out the insurance ahead of time.