Statistically riskier than cars, so new riders see steep quotes – experience and training lower them.
Key Takeaways
- New riders pay the highest rates
- Safety courses cut premiums
- Bike type drives the price
Why It Costs More
Statistically riskier than cars, so new riders see steep quotes – experience and training lower them.
Save With Training
Completing an approved safety course often earns a meaningful discount.
Bike Choice
A 600cc sport bike costs far more to insure than a 250cc commuter; buy with insurance in mind.
Quick Comparison
| Factor | Effect |
|---|---|
| Engine size | Bigger = pricier |
| Course cert | Discount |
| Garage/storage | Lower risk |
Frequently Asked Questions
Should I get gear coverage?
Yes – helmets and jackets are expensive; equipment coverage is cheap.
Liability minimums?
State minimums are rarely enough; consider higher limits.