Motorcycle Insurance Cost: Motorcycle Type, Make, And Model

Not all motorcycles are equal when it comes to the cost of motorcycle insurance. The type, make, and model of motorcycle can have a significant impact on how much you might pay for coverage – not only comprehensive coverage and collision coverage, but also liability coverage.

Below is general information about how the type, make, and model of your motorcycle can impact your insurance premiums.

Reasons Some Motorcycles Cost More To Insure
Motorcycle insurance companies evaluate each motorcycle individually, based on factors such as accident rates, theft rates, safety features, and repair and replacement costs.

Some motorcycles can cost more to insure simply because of their higher price points and value, while others are more expensive because of their rarity, unique modifications and customizations, or advanced technology.

Motorcycles with bigger engines, higher torque, and other acceleration or racing capabilities are often more expensive to insure, because they fall into a higher risk category for accidents and thefts.

Types Of Motorcycles That Are More Expensive To Insure

Motorcycles that could cost more to insure include:

  • sport bikes
  • racing bikes
  • superbikes
  • luxury touring motorcycles
  • customized bikes (with custom parts or modifications)
  • vintage or classic motorcycles
  • high-end electric motorcycles
  • adventure motorcycles (designed for off-road and on-road use)
  • cruisers with large engines

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!