On average, motorcycle insurance in the U.S. runs roughly $200–$1,500 per year , or about $17–$125 per month , depending heavily on rider profile, bike type, and location.

Quick Scoop

  • Typical annual cost : Many riders pay between $300–$800 per year for standard coverage, with some paying less and others much more.
  • Cheapest possible : Some basic policies for low‑risk riders can start as low as around $7–$20 per month.
  • High‑end bikes or risky riders : Premiums can easily exceed $1,500–$2,000+ per year for sport bikes, new riders, or those with tickets/accidents.

What Drives the Price?

Several factors push motorcycle insurance up or down:

  • Where you live : Urban areas and states with strict coverage laws usually cost more; rural areas often cost less.
  • Your age and experience : Riders under 25 typically pay more; clean records and years of safe riding lower premiums.
  • Type of motorcycle :
    • Cruisers and smaller bikes are usually cheaper.
    • Sport bikes, large‑engine, or custom bikes cost more to insure.
  • Coverage level :
    • Liability‑only (bare minimum) is cheapest.
    • Full coverage (collision + comprehensive) costs more but protects your bike.

Example Cost Ranges (Per Year)

Here’s a rough breakdown you might see online or in forum discussions:

Rider / Bike Type| Approx. Annual Cost
---|---
Low‑risk rider, small cruiser, rural area| $200–$400 48
Average rider, mid‑size bike, city| $500–$900 48
Young rider or sport‑bike owner| $1,000–$2,000+ 38

How to Get a Real Number for You

Because “how much is insurance on a motorcycle” depends so much on your situation, the best move is:

  1. Get online quotes from 3–5 insurers using your exact:
    • State, ZIP, age, license status, and riding history.
    • Bike year, make, model, engine size, and how you use it (commute vs. weekend).
  1. Compare apples‑to‑apples : Make sure each quote has the same coverage limits and deductibles.

If you tell me your state, age, and what kind of bike you’re looking at, I can give a tighter estimate tailored to you. Information gathered from public forums or data available on the internet and portrayed here.