learn what other users had to say about

the cost of Motorcycle Insurance

Price 
Location 
Year 
Submitted by  
Description
$ 137
Apr 2008
Phoenix, AZ
Yamaha Raider
2007
One year's liability, theft, and accident coverage  more... close row
$ 35
Apr 2008
Minneapolis, MN
Triumph Speed Triple
2006
Full comprehensive and liability insurance  more... close row
$ 82
May 2008
Orem, UT
Honda CX 500 Custom
1982
Rider safety course can lower insurance rates  more... close row
$ 263
Aug 2007
Wamego, Kansas
Yamaha Motorcycle
1979
Comprehensive motorcycle insurance  more... close row

Description of service

Liability Coverage: ($184.90 of annual premium - NOT optional, but a portion of this premium is for PIP)

$25,000 Bodily Injury per person / $50,000 per incident

$25,000 Property Damage

Personal Injury Protection included (this is what pays for YOUR medical bills) - included in Liability premium, but PIP is optional for motorcycles - not optional on cars. It's a major part of the premium, but what would you do if you laid your bike down and got seriously injured? This coverage pays your medical bills and provides some income if you can't work.

Comprehensive & Collision Deductible $250 ($70.26 of annual premium - this IS an optional coverage)

Uninsured / Underinsured Motorist ($7.65 of annual premium - this is NOT an optional coverage)

$25,000 each person, $50,000 per indcident


Review of Service

I'm happy with my motorcycle insurance rates. I should probably drop the comprehensive and collision coverage for such an old bike that I probably wouldn't repair, but for $70 a year, maybe it's worth it. Anyway, I've shopped around and motorcycle insurance premiums can vary A LOT from carrier to carrier, and I think I'm getting a pretty good deal.


Tips

Because rates for this type of coverage can vary greatly, it's a good idea to shop around. Also, keep in mind that if there's any male driver in the house under age 25, your rates are going to be higher. Also, if the motorcycle is your only vehicle then your rates will be higher. It's always a good idea to check on the cost of insurance before you buy a motorcycle or any other vehicle.


$ 263
Aug 2007
Wamego, Kansas
Yamaha Motorcycle
1979
Motorcyle insurance important due to the danger  more... close row
$ 262
Apr 2008
Racine, WI
Honda Goldwing SE 1800
2006
Price breaks with all insurance on same company  more... close row
$ 250
Jan 2008
Nashville tn
Suzuki C90
2005
Basic liability and medical coverage for motorcycle  more... close row
$ 46
May 2008
Ashland, Ky
Kawasaki Ninja ZX-12R
2002
Motorcycle insurance from same company as car and boat insurance  more... close row
$ 289
Apr 2008
Anaheim
Yamaha R6
2008
Motorcycle insurance an add on to auto insurance  more... close row
$ 75
May 2008
La Crescent, MN
Harley Davidson xl 883
1995
Small local business treats customers well  more... close row
$ 89
May 2008
La Crescent, MN
Harley Davidson Sportster
2006
Haven't had to deal with customer service yet  more... close row