While most states in the United States require your motorcycle to be insured, it is always a good option to get insurance which is easy on your pocket and has good coverage. The cost of motorcycle insurance in the United States differ from state to state. There are companies which would insure only a type of motorcycle. So, your insurance plans also depend on which motorcycle you own. Motorcycle insurance is necessary to protect your bike, your health, as well as you well being. Obtain the facts about how much is motorcycle insurance and save money.

The average cost of motorcycle insurance in the United States every year is $702. However, it may vary depending upon your location. In states like California, Louisiana, or Michigan the cost of motorcycle insurance is 50 to 90 per cent higher than the nationwide average cost. Whereas, if you live in cities like Iowa or North Dakota, you have to pay 50 per cent less than the average motorcycle insurance cost. According to the research conducted by Value Penguin, the average cover limits are 100/300/50. This means insurance policies cover bodily injury protection of $100,000, accident coverage of $300,000 and property damage coverage of $50,000.


Most of the states with an affordable motorcycle insurance plans lie in the Midwest and Great Plains regions. They have one of the cheapest insurance rates, along with good coverage. States like Wyoming, North Dakota, South Dakota, Iowa, and Nebraska are the five states with the cheapest motorcycle insurance available. Whereas states with more population, warmer weather, and longer riding seasons have the most expensive insurance policies in the whole of the United States. New York, California, Michigan, Louisiana, and Arizona are the five most expensive states in terms of motorcycle insurance.

Almost all insurance companies provide you with two types of payment options. You can either choose to pay on a monthly basis, or you can pay on a yearly basis. If you choose to pay your motorcycle insurance all at once, on a yearly basis the cost would be reduced significantly, when compared to a monthly charge of the policy. So, if you live in a state with comparatively expensive motorcycle insurance you can pay on a yearly basis to get some discount.

Cost of motorcycle insurance not only depends upon the state you live in, but also upon your age and driving experience, and at times the type of motorcycle you ride. People who are mid-aged and have a driving experience over 10 years have to pay much less for their insurance policy rather than an eighteen-year-old newbie. For example, if you ride a cruiser you would have to pay an insurance of $753, whereas the same insurance for a sports bike would cost you $1,413. Similarly, insurance policies can range in price from $1,083 per year for a 50-year-old person to $1,426 per year for an 18-year-old person.  So, every state has different insurance policies and rates. Make sure you study all types of insurance policies and their coverage and cost according to your age, risk factor, and type of motorcycle before you move forward to buy one.