Cheapest Motorcycle Insurance 2025 – Real Rates & Top Companies
Freshly updated December 2025 – latest winter lay-up discounts, new EV-bike rates, and multi-bike savings added.
Table of Contents
- Why motorcycle insurance is still so much cheaper than car insurance
- Average motorcycle insurance costs right now
- Companies that give the lowest motorcycle rates
- How much real riders are paying today
- Fastest ways to pay the absolute least
- Frequently Asked Questions (plain text)
Why motorcycle insurance is still so much cheaper than car insurance
Even with rising rates everywhere, a full-coverage motorcycle policy is still roughly one-third the price of a car policy because bikes are on the road less, cause less damage when they crash, and many riders store them over winter.
Average motorcycle insurance costs – December 2025
| Bike type | Typical yearly cost | Cheapest company right now | Typical yearly savings |
|---|---|---|---|
| Cruiser (Harley, Honda Rebel) | $580 – $980 | Progressive | $400 – $1,100 |
| Sport bike (Ninja, GSX-R) | $1,080 – $2,200 | Dairyland / Progressive | $600 – $1,800 |
| Touring (Gold Wing, BMW) | $720 – $1,180 | Markel / Geico | $500 – $1,300 |
| Scooter / Moped | $320 – $620 | Progressive / Geico | $300 – $800 |
| Winter lay-up (stored Nov–Mar) | 40–60 % off | Almost every company | $600 – $1,600 |
| Electric motorcycle (LiveWire) | 15–25 % cheaper | Progressive / Geico | $400 – $1,200 extra |
Companies that give the lowest motorcycle rates
- Progressive – almost always the cheapest + best winter lay-up discount
- Geico – huge Motorcycle Safety Foundation course discount -20 %
- Harley-Davidson Insurance – best for Harley owners (touring perks)
- Dairyland – accepts sport bikes and modified/custom bikes
- Markel – specialist for classic and high-value bikes
- Nationwide & Foremost – strong in the Midwest and South
How much real riders are paying today
- Average cruiser rider: $620–$920/year
- Sport bike with clean record: $1,200–$1,680/year
- Winter lay-up users: many pay under $400/year
- Electric motorcycle owners: often $480–$820/year
- Multi-bike policy: each extra bike adds only $150–$300/year
Fastest ways to pay the absolute least
- Use winter lay-up / storage discount (40–60 % off Nov–Mar)
- Take the Motorcycle Safety Foundation course (10–20 % off for 3 years)
- Insure multiple bikes on one policy
- Bundle with home/auto → Bundle Home + Auto Guide
- Ride an electric motorcycle (new green discount in most states)
- Pay in full instead of monthly
Frequently Asked Questions (plain text)
Q: How much is motorcycle insurance on average in 2025? A: $580–$1,150/year full coverage. Winter lay-up drops it to $300–$600 for many riders.
Q: Which company is cheapest for motorcycles right now? A: Progressive wins in almost every state, especially with winter storage.
Q: Does the safety course actually save money? A: Yes – 10–20 % off for three full years at almost every company.
Q: Is insurance cheaper for electric motorcycles? A: Yes – most companies now give 15–25 % off for LiveWire, Zero, etc.
Q: Should I keep full coverage on an older bike? A: Many riders drop to liability-only once the bike is worth under $5,000–$6,000.
Drop your bike type and what you’re paying in the comments – we answer every one!
