Average Cost of Motorcycle Insurance (2022)

Motorcycle insurance is required in most U.S. states, but every rider benefits from active coverage, regardless of local requirements. We collected thousands of quotes from across the country to find out how much it costs to protect your bike, your health and your financial well-being.

Average cost of motorcycle insurance by state

We conducted a review of motorcycle insurance quotes across all 50 states and found that the average cost of motorcycle insurance quotes in the U.S. is $721 for a full year of coverage. Because the cost of coverage varies based on your location, it’s useful to get more than one quote to find the best price.

You can see how much motorcycle insurance costs on average per month in your state in the table below.

State

Cost per month

Cost per year

Diff. vs. U.S avg.

California$151$1,816152%Louisiana$95$1,14258%Missouri$85$1,01641%Michigan$79$95332%Florida$79$94231%

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We collected rates from up to six major motorcycle insurance carriers in each state, based on a sample 45-year-old male rider. The coverage limits we requested in our quotes included:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000
  • Comprehensive and collision deductible: $500

States with the most affordable motorcycle insurance

The five states with the most affordable motorcycle insurance quotes all had rates that were at least 36% lower than the average in the U.S. All of the states with the cheapest rates were located in the Midwest and Great Plains regions.

States with the most expensive motorcycle insurance

Unlike the most affordable states, the costliest states for motorcycle insurance showed no clear geographical correlation. However, they did tend to have large populations and warmer, longer riding seasons.

Paying for your motorcycle insurance in 12 monthly installments is usually more expensive than if you pay for a yearlong policy up front. The pay-in-full discount is common at top insurers such as Progressive, Allstate and Nationwide. If you live in a state where coverage is expensive, or you want a lower overall rate, consider paying for six to 12 months of motorcycle insurance coverage at one time instead of paying monthly.