How much is motorcycle insurance?

Average cost of Progressive motorcycle insurance by state

See where your state falls for the average cost of a liability-only motorcycle insurance policy with Progressive.

Low-cost states

Average monthly price: $12.29^**

Total 12-month policy average: $147.42^**

States included: Alabama, Arkansas, Florida, Hawaii, Maine, Massachusetts, Montana, Minnesota, New York, North Dakota, Oklahoma, Pennsylvania, Rhode Island, South Dakota, Vermont, Wisconsin, and Wyoming.

Medium-cost states

Average monthly price: $14.38^**

Total 12-month policy average: $172.53^**

States included: Alaska, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Maryland, Mississippi, North Carolina, New Hampshire, Ohio, Oregon, Texas, Utah, Washington, and West Virginia.

High-cost states

Average monthly price: $17.20^**

Total 12-month policy average: $206.33^**

States included: Arizona, California, Connecticut, Delaware, Kansas, Kentucky, Louisiana, Michigan, Missouri, Nebraska, Nevada, New Jersey, New Mexico, South Carolina, Tennessee, and Virginia.

Our data is for policies with basic motorcycle liability coverage only. Keep in mind, in order to protect your bike against physical damage, you’ll need to add motorcycle comprehensive coverage and motorcycle collision coverage (which are often required by your lender if you finance or lease your motorcycle).

When researching average motorcycle insurance costs, pay attention to the source of the data and the year. Rates are always changing and any data that's several years old may not be relevant. Keep checking back because we frequently update this page.

Learn more about motorcycle insurance by state.

What factors affect motorcycle insurance rates?

Here are some of the key factors that impact your motorcycle insurance cost:

Location

We know you live to ride, but did you know that where your ride lives impacts your motorcycle insurance rate? Motorcyclists in colder states with shorter riding seasons typically see fewer accidents and insurance claims — resulting in lower rates. Conversely, you'll pay more for motorcycle insurance in warmer states, where more opportunities to ride lead to more accidents and claims.

Age and riding experience

Generally, your rate decreases as you get older until you reach your 70s. Because teen riders pose the greatest risk for insurers, they'll typically pay higher motorcycle insurance rates. But your age won’t always tell the whole story. An older, inexperienced rider may pay a higher price for motorcycle insurance than a much younger, more experienced rider.

Speeding and traffic tickets

A speeding ticket will likely increase your motorcycle insurance cost, whether the violation happened in your car or on your bike. In most states, violations will usually fall off your driving record after three years and no longer impact your motorcycle insurance rate.

Accident and claim history

Any auto or motorcycle accident on your motor vehicle history may increase your motorcycle insurance cost, depending on your state. At-fault accidents are generally costlier, but any claim can negatively affect your insurance rate.

Type of bike

When comparing motorcycles in the same class, models with bigger engines typically cost more to insure since high-performance bikes pose a greater risk for accidents. Learn more about the different types of motorcycles.

Credit rating

Many motorcycle insurers check credit, and a better rating can save you money on insurance in most states. Getting a quote will never affect your credit score.

Coverage selection

Adding comprehensive and collision coverage will cost more than the state minimum liability coverage. A liability-only policy will cost the least, but it won't cover the cost of physical damage to your bike. Progressive also offers extra customizable coverages that might increase your motorcycle insurance rate, such as accessory coverage, carried contents/personal belongings, and enhanced injury protection.

Your deductible will also impact the average cost of motorcycle insurance. The higher your deductible, the more your out-of-pocket expense will be at the time of an accident, but you'll have a lower overall rate. And vice versa.

Learn more about motorcycle insurance coverages.

Ride with Progressive for motorcycle insurance