Understanding the Average Cost of Motorcycle Insurance by State


Motorcycle enthusiasts know that nothing compares to the feeling of the open road, the wind in your face, and the freedom that comes with riding a bike. However, along with the thrill of the ride comes the responsibility of motorcycle insurance. Just like with car insurance, the cost of motorcycle insurance can vary significantly depending on where you live. In this article, we will explore the average cost of motorcycle insurance by state, factors that influence these costs, and how you can find the best insurance rates for your ride.

Factors That Affect Motorcycle Insurance Costs

Before diving into the average costs by state, it’s essential to understand the factors that influence motorcycle insurance premiums:

  1. Location: The state you live in plays a significant role in determining your motorcycle insurance rates. Each state has its own regulations, traffic laws, and risk factors that impact premiums.
  2. Age and Riding Experience: Just like with car insurance, younger and less experienced riders tend to pay higher premiums. Insurance companies consider them higher risk.
  3. Type of Motorcycle: The make, model, and engine size of your motorcycle can affect your insurance rates. High-performance bikes often come with higher premiums.
  4. Coverage Levels: The amount of coverage you choose will directly impact your premiums. More extensive coverage with lower deductibles will cost more.
  5. Driving Record: A clean driving record with no accidents or traffic violations will typically lead to lower insurance rates.
  6. Claims History: If you have a history of filing claims, especially for motorcycle accidents, your premiums may increase.

Average Motorcycle Insurance Costs by State

Let’s take a closer look at the average motorcycle insurance costs in different states:

  1. California: Known for its beautiful weather and countless scenic routes, California offers a fantastic riding experience. However, it’s also one of the more expensive states for motorcycle insurance. On average, riders in California can expect to pay between $600 and $1,200 per year.
  2. Texas: Texas is another state with a vibrant motorcycle culture. The average cost of motorcycle insurance here is slightly lower than California, ranging from $400 to $900 annually.
  3. Florida: Florida’s year-round riding weather makes it a haven for bikers. However, this state has relatively high insurance rates, with an average cost ranging from $800 to $1,300 per year.
  4. New York: In the Empire State, motorcycle insurance costs can vary widely. On average, riders can expect to pay between $600 and $1,200 annually.
  5. Ohio: Ohio is known for its affordable motorcycle insurance rates. Riders in this state typically pay between $300 and $600 per year.
  6. North Carolina: North Carolina offers scenic routes through mountains and coastal areas. The average cost of motorcycle insurance here is around $400 to $800 annually.
  7. Arizona: With its vast desert landscapes, Arizona is a popular destination for bikers. The average annual cost of motorcycle insurance in this state falls between $400 and $800.
  8. Illinois: Illinois offers diverse riding experiences, from city streets to rural roads. Motorcycle insurance costs here range from $300 to $600 per year.
  9. Colorado: Colorado’s mountain roads and beautiful scenery make it a favorite among riders. The average cost of motorcycle insurance is about $400 to $800 annually.
  10. Georgia: Georgia has a growing motorcycle community, and insurance rates here typically range from $500 to $1,000 per year.

How to Find Affordable Motorcycle Insurance

While the average costs provide a general idea of what to expect, it’s crucial to remember that individual rates can vary significantly based on your personal circumstances. Here are some tips to help you find affordable motorcycle insurance:

  1. Shop Around: Don’t settle for the first insurance quote you receive. Shop around and compare rates from multiple insurers to find the best deal.
  2. Bundle Policies: If you have other insurance policies, such as auto or home insurance, consider bundling them with your motorcycle insurance. Many insurers offer discounts for bundling.
  3. Take a Safety Course: Completing a motorcycle safety course can not only improve your riding skills but also lead to lower insurance premiums.
  4. Maintain a Clean Record: Avoid accidents and traffic violations to maintain a clean driving record, which can result in lower insurance rates.
  5. Choose the Right Coverage: Assess your coverage needs carefully. While it may be tempting to opt for the minimum coverage required by your state, consider the potential financial consequences of an accident and choose coverage that adequately protects you.
  6. Increase Deductibles: You can lower your premiums by increasing your deductibles. However, be sure you can comfortably afford the deductible amount in case of a claim.
  7. Ask About Discounts: Inquire about available discounts, such as safe rider discounts, multi-vehicle discounts, or loyalty discounts.
  8. Review Your Policy Annually: As your circumstances change, your insurance needs may change as well. Review your policy annually to ensure it still aligns with your requirements.


The cost of motorcycle insurance varies significantly from state to state, influenced by a range of factors. To get the best rates, it’s essential to shop around, maintain a clean record, and choose the right coverage for your needs. Remember that while affordability is essential, adequate coverage is crucial to protect yourself and your bike on the open road.