Best Motorcycle Insurance Companies in 2026
Motorcycle Insurance Costs in 2026
| Bike Type | Liability Only | Full Coverage | Notes |
|---|---|---|---|
| Sport bike (600-1000cc) | $200-$400/yr | $800-$1,800/yr | Highest risk category |
| Cruiser (Harley, Indian) | $150-$300/yr | $400-$900/yr | Most popular coverage type |
| Standard / Naked bike | $100-$250/yr | $300-$700/yr | Good rates for commuters |
| Touring bike | $150-$350/yr | $400-$1,000/yr | Higher value — full coverage recommended |
| Scooter / Moped | $75-$200/yr | $200-$500/yr | Cheapest category |
Motorcycle Insurance Coverage Types
- Bodily Injury Liability: Pays for injuries you cause to others — required in most states
- Property Damage Liability: Pays for damage you cause to others' property
- Collision: Repairs or replaces your bike after an accident regardless of fault
- Comprehensive: Covers theft, vandalism, weather damage, and non-collision incidents
- Uninsured Motorist: Protects you when the at-fault driver has no insurance
- Custom Parts & Equipment: Covers aftermarket accessories and custom modifications
- Roadside Assistance: Towing and emergency roadside help
Frequently Asked Questions
Motorcycle insurance typically costs $15-$50/month for most riders with liability-only coverage, or $30-$150/month for full coverage depending on your bike type, age, riding history, and location. Sport bikes and high-value cruisers cost more to insure.
Yes — motorcycle insurance is significantly cheaper than auto insurance for liability coverage. However, full coverage motorcycle insurance can be expensive for high-value or sport bikes since repair and replacement costs are substantial.
Most states don't require insurance on a stored, non-operating motorcycle — but you should maintain comprehensive coverage to protect against theft, fire, and weather damage while in storage. Ask about lay-up or storage discounts to reduce costs during off-season.