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What Impacts the Cost of Motorcycle Insurance?

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The cost of motorcycle insurance depends on a variety of factors, including your age, bike, riding history, coverages, location and the insurance company you buy from.

Here’s What Affects Ypur Price for Motorcycle Insurance Location

We know you live to ride, but did you know that where you live greatly impacts your insurance rate? Riders in cold states with shortened riding seasons usually have fewer accidents and insurance claims. That means lower rates.

Conversely, you are likely to pay more for motorcycle insurance in a warmer state, where more opportunities to ride lead to more accidents and claims.

Age and Riding Experience

Generally, your rate will decreases as you get older, until you reach your 70s. Teenage riders pose the biggest risk for insurers and will typically pay higher rates. But your age will not always tell the whole story. If you are an inexperienced motorcycle rider, you may pay a higher rate than a much younger rider with more experience. For example, a 35-year old who just started riding may pay more than a 23-year old with five years of riding experience.

Vehicle Usage

If you ride to and from work, you will usually pay more than a casual weekend rider. Using your bike for business purposes may make you ineligible for a personal motorcycle policy and require a business policy.

Speeding and Traffic Tickets

A speeding ticket in your motor vehicle will likely increase your rates for motorcycle insurance, whether the violation happened in your car or on your bike. In most states, violations will usually fall off your driving record after three years and your insurer will no longer charge you for it.

Accident and Claim History

Any automobile or motorcycle accident in your motor vehicle or claims history will likely increase your motorcycle insurance rate. At-fault accidents will generally be costlier than not-at-fault accidents and most claims will negatively affect your insurance price.

Type of Bike

When comparing motorcycles in the same class, the model with the bigger engine will usually cost more to insure. A high-performance bike has a greater risk for an accident than a touring model.

Coverage Selection

Adding comprehensive and collision will cost you more. While a liability-only policy will cost the least, it will not protect your bike from physical damage.

The higher your deductible, the more of the repair or claim cost you will have to take on. That means your out-of-pocket costs will be higher at the time of the accident, but you will have a lower overall rate and vice versa. Just get a quote to see exactly how customizing your coverages impacts your rates.


Many motorcycle insurers check credit so a better credit rating can add up to money saved on insurance. Remember, getting a quote will never affect your credit score.


The most important section of your coverage. Please look at the articles on my website plus the video on the subject of UM/UIM.

Call me. There is never a charge for a legal consultation. To schedule a free initial consultation with me, Andrew S. Prince, visit my website ( first to further review my qualifications to help you.

You can contact me here at 1-800-TEAM-LAW (800) 832-6529 or (732) 388-5454. You can also email me at or fax me at (732) 428-1509. I am here to help you.

Andrew S. Prince, Esq.
136 Central Avenue
Clark, NJ 07066

(732) 388-5454
1 (800) 832-6529
(732) 388-8711 — Fax
Additional Offices in New Jersey
Edison, East Brunswick, Jersey City,
Newark, Orange, Perth Amboy, and Westfield