How to Get Motorcycle Insurance Online in 2024
Find Cheap Motorcycle Insurance Quotes in Your Area
It's easy to buy motorcycle insurance online. Many companies let you get a free quote through their website.
Shop around and take advantage of discounts to get the best price on your motorcycle insurance policy.
How to get motorcycle insurance online
The best way to get motorcycle insurance online is to compare quotes from top companies like Harley Davidson, Progressive and Dairyland.
Many of the best motorcycle insurance companies offer quotes through their websites. A motorcycle insurance quote will tell you how much you'll have to pay for a certain level of coverage.
Almost every company requires information about your motorcycle and personal driving history to complete the quote process. Having important information on hand before you start will make getting your quote faster and more efficient.
Motorcycle insurance quote information
- The motorcycle's VIN (vehicle identification number): Your motorcycle's VIN is a unique code made up of 17 numbers and letters. You can typically find it on your bike's steering column, frame or registration papers.
- Motorcycle details: It's a good idea to write down your motorcycle's year, make and model before you start shopping. Many online motorcycle insurance quote forms will automatically input this information when you type in your vehicle's VIN. However, you should keep this information handy just in case. Also, you may need to know your motorcycle's engine size.
- Motorcycle modifications: You'll also need information about any modifications you've made to your motorcycle, such as anti-lock brakes, nitrous oxide or lift kits.
- Driving history and personal information: Companies will typically ask you about any past accidents, tickets and citations. You'll also need information like your address, motorcycle license number, completed safety courses, marital status and riding history.
- Your current insurance: Companies will typically ask about your current coverage limits and company if you already have motorcycle insurance.
Find Cheap Motorcycle Insurance Quotes in Your Area
Many motorcycle insurance companies let you complete your policy quote online. However, you may need to talk with an agent if you have a classic or customized motorcycle.
Even if you'd rather buy a policy online, you may find it worth talking to an agent if you have questions about your coverage or if you aren't sure how to get the best price.
What does motorcycle insurance cover?
Motorcycle insurance protects you against damage and injuries to yourself, your bike and others. Every state but Florida requires motorcycle insurance. While motorcycle insurance requirements differ by state, typically you'll have to buy coverage for any injuries or property damage that you cause while riding. This is called liability insurance.
Liability coverage is usually written as three numbers. For example, a policy with 50/100/25 coverage would pay up to $50,000 in medical costs per person per accident and up to $100,000 total for a single accident. It would also pay up to $25,000 per accident for property damage.
Liability coverage won't pay to repair your motorcycle. You'll need comprehensive and collision coverage to protect yourself against theft, vandalism, weather events and car accidents. You should also consider underinsured and uninsured motorist coverage to protect yourself and your bike against drivers who don't have enough coverage.
Extra motorcycle coverage options
Many motorcycle insurance companies also offer extra or special coverage options in addition to standard coverage options like liability, comprehensive and collision insurance.
- Carried contents and personal belongings: Pays for personal belongings that you carry while riding your motorcycle, such as cell phones and jewelry.
- Original equipment manufacturer (OEM) parts coverage: Will restore your bike with parts from the company that made your motorcycle.
- Trip interruption: If your bike breaks down and you're far from home, this coverage option will pay for food, lodging and transportation.
- Motorcycle repair: Pays to repair your motorcycle.
- Enhanced injury protection: Offers additional financial help if you're seriously injured in an accident and can't work.
- Custom parts coverage: Will pay to restore custom vehicle modifications.
Keep in mind that not every motorcycle insurance company offers these coverage options. When shopping around, make sure that you're only getting quotes from companies that sell the coverage you need.
How much does motorcycle insurance cost?
Motorcycle insurance costs $33 per month or $399 per year on average for a full coverage policy.
How much you pay for motorcycle insurance will depend on several factors, such as where you live, your coverage limits and your driving history. Other important factors include:
- Age
- Gender
- Credit score
- Annual mileage
- Marital status
- Motorcycle make and model
More expensive motorcycles usually have higher monthly rates.
Motorcycle insurance discounts
Many motorcycle insurance companies offer discounts that can help lower your monthly rate.
Common motorcycle insurance discounts
- Homeowners
- Policy renewal
- Safety course completion
- Older or more experienced riders
- Get a quote before buying a policy
- Buy coverage for multiple vehicles
- Have a motorcycle license or endorsement
- Maintain a history of responsible driving
The list of discounts you qualify for will differ by company. Harley-Davidson is the best motorcycle insurance company for discounts. In addition, Allstate, Progressive and Markel offer customers a generous range of discounts.
Other ways to save on your motorcycle insurance
You can make your motorcycle insurance more affordable by raising your deductible. This will lower your monthly rate. However, you'll have to pay more if you get into an accident.
You should never raise your deductible beyond what you can easily afford to pay off with your current savings. [/border]
Frequently asked questions
What's the best way to get motorcycle insurance online?
The best way to get motorcycle insurance online is to compare quotes from top companies like Progressive, Harley Davidson and Dairyland. Before you choose a company, make sure that it has a strong customer service reputation, affordable rates and coverage options that fit your needs.
Do you need insurance for a motorcycle?
You need insurance to legally ride a motorcycle in every state except for Florida. Each state has its own minimum coverage requirements. However, it's usually a good idea to get higher coverage limits, known as full coverage, to protect yourself from expensive medical and repair bills.
Who offers the cheapest motorcycle insurance?
Dairyland offers the cheapest motorcycle insurance nationwide. It costs just $22 per month. That would be a savings of $132 per year over the national average.
Other affordable options include Progressive at $23 per month and Harley-Davidson at $24 per month.
Sources and methodology
Average rate data came from thousands of motorcycle insurance quotes taken from a range of top companies. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel and has a full-coverage policy, which includes:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
Company-specific discounts and coverage option information were taken from the websites of Progressive, Harley-Davidson, Markel and Allstate.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.