Motorcycle Insurance Cost: Geographic Location

Geographic location plays a role in the cost of motorcycle insurance. While you’re not likely to move just because of insurance, it helps to understand what’s behind the different premiums, based on your geographic location.

Below is general information about how where you live and ride can impact your insurance premiums.

State Regulations And Minimum Requirements Motorcycle Insurance
If you live in a state that has mandatory insurance laws for motorcycles, you might be required to carry a higher level of insurance than you’d prefer. Even among states with mandatory coverage, minimum insurance requirements (and therefore the cost of insurance) can differ significantly.

Motorcycle Insurance In Urban Areas Vs Rural Areas
Traffic congestion and accidents are more common in densely-populated cities than in sparsely-populated rural areas. As a result, insurance companies typically charge higher premiums for liability insurance and collision insurance in urban areas, due to the increased risk of crashes.

High-Crime Areas And High-Accident Areas
If the area you ride in has higher crime rates and/or higher accident rates, you can expect to pay more for motorcycle insurance, including comprehensive coverage  (which covers theft, vandalism, and non-collision events).

Check With Your Insurance Agent Or Company
Please note that the information provided above is for informational purposes only. For the most accurate, up-to-date, specific information, check with your insurance agent or insurance company!