Estimate your annual premium by state, age, bike type, and riding record
Estimates built from typical published 2025 state averages. Actual quotes depend on insurer, credit (where allowed), bike value, and garaging zip code.
Typical published 2025 averages for full coverage: a 45- to 54-year-old rider with a clean record on a mid-size cruiser. Your quote will vary.
| State | Avg Annual Premium | Avg Monthly |
|---|---|---|
| Alabama | $660 | $55 |
| Alaska | $480 | $40 |
| Arizona | $590 | $49 |
| Arkansas | $610 | $51 |
| California | $830 | $69 |
| Colorado | $560 | $47 |
| Connecticut | $640 | $53 |
| Delaware | $620 | $52 |
| District of Columbia | $780 | $65 |
| Florida | $950 | $79 |
| Georgia | $700 | $58 |
| Hawaii | $610 | $51 |
| Idaho | $430 | $36 |
| Illinois | $570 | $48 |
| Indiana | $520 | $43 |
| Iowa | $400 | $33 |
| Kansas | $490 | $41 |
| Kentucky | $580 | $48 |
| Louisiana | $1,080 | $90 |
| Maine | $420 | $35 |
| Maryland | $690 | $58 |
| Massachusetts | $610 | $51 |
| Michigan | $870 | $73 |
| Minnesota | $450 | $38 |
| Mississippi | $720 | $60 |
| Missouri | $540 | $45 |
| Montana | $380 | $32 |
| Nebraska | $460 | $38 |
| Nevada | $640 | $53 |
| New Hampshire | $410 | $34 |
| New Jersey | $760 | $63 |
| New Mexico | $560 | $47 |
| New York | $820 | $68 |
| North Carolina | $530 | $44 |
| North Dakota | $330 | $28 |
| Ohio | $470 | $39 |
| Oklahoma | $650 | $54 |
| Oregon | $490 | $41 |
| Pennsylvania | $550 | $46 |
| Rhode Island | $700 | $58 |
| South Carolina | $600 | $50 |
| South Dakota | $340 | $28 |
| Tennessee | $570 | $48 |
| Texas | $780 | $65 |
| Utah | $470 | $39 |
| Vermont | $415 | $35 |
| Virginia | $510 | $43 |
| Washington | $560 | $47 |
| West Virginia | $590 | $49 |
| Wisconsin | $410 | $34 |
| Wyoming | $365 | $30 |
Litigation-heavy and no-fault states dominate the expensive end: Louisiana runs more than three times North Dakota's rate. The Plains and upper Midwest are consistently the cheapest region for two wheels.
Motorcycle insurance bundles liability (injuries and damage you cause), comprehensive (theft, fire, vandalism), and collision (crash damage to your bike). This calculator starts from each state's average full-coverage premium for a benchmark rider, a 45- to 54-year-old with a clean record on a mid-size cruiser, then scales it with the five factors that move real quotes most.
Take your state's baseline from the table above. Multiply by coverage level: liability plus comprehensive is 0.72× the full-coverage price, liability-only is 0.38×. Then age (under 25 pays 1.9×, 25–34 pays 1.35×, 55–64 catches a 10% break), bike type (sportbikes 1.65×, standards 0.95×, scooters just 0.55×), engine size (under 500cc is 0.85×, over 1,100cc is 1.10×), and record (one violation or claim 1.28×, two or more 1.60×). An MSF course certificate takes 7% off and bundling with auto takes another 10%.
Set your state and age bracket, then price the bike you're actually considering, the bike type selector alone can move the estimate by hundreds of dollars a year. If your bike is financed, the lender requires full coverage, so leave liability-only for paid-off bikes you could afford to replace. Toggle the course and bundle checkboxes if they apply; both stack.
A 30-year-old Texas rider with one speeding ticket insures a 600cc sportbike, full coverage, having finished an MSF course. Texas baseline: $780. Age 25–34: ×1.35 = $1,053. Sportbike: ×1.65, engine 500–749cc: ×0.95, so ×1.5675 = $1,650.63. The violation: ×1.28 = $2,112.80. MSF course: ×0.93 = a final $1,965 a year, or $163.74 a month. That's 2.5× the state baseline, and it's why insurance should be quoted before the sportbike is signed for.
Flip side: a 52-year-old Ohioan with a clean record bundling a 900cc cruiser at liability-plus-comprehensive. $470 × 0.72 (coverage) × 0.90 (bundle) = $305 a year, $25.38 a month. Same country, same coverage family, a 6× gap driven entirely by age, bike, and record.
About $49 a month on average nationwide for full coverage, based on a typical $585 annual premium for a 45-year-old rider with a clean record on a mid-size cruiser. Liability-only runs closer to $18 to $20 a month. Young riders and sportbikes break the average: a 22-year-old on a 600cc supersport with a violation on record can easily top $250 a month.
Claims data. Supersports carry a fraction of registered bikes but a wildly disproportionate share of fatal crashes, and they're also stolen more often than any other style. Insurers respond with surcharges around 65% over a comparable cruiser, before age and record even enter the picture. Swapping a 600cc sportbike for a 650cc standard can cut a premium nearly in half.
Liability-only coverage if you own the bike outright, typically about $222 a year at national average rates. Add an MSF safety course completion for roughly 7% off, bundle with your auto policy for another 10%, pay the full term upfront, and ask about lay-up or seasonal coverage if you garage the bike all winter. Multi-bike households usually get 10% to 20% off each additional bike.
Almost. Forty-nine states require at least liability coverage with state-specific minimums. Florida is the notable exception: riders there aren't required to carry motorcycle liability insurance, though riders 21 and older who go helmetless must show at least $10,000 of medical expense benefits. Skipping liability is still a bad bet, one at-fault crash into a luxury car can outrun your net worth.
Riders under 25 pay roughly 1.9 times the base rate, so full coverage on a standard bike averages $1,100 or more a year, and liability-only still runs $400-plus in many states. Put a young rider on a sportbike with a violation and quotes of $3,000 a year are common. A small-displacement standard or cruiser, an MSF course, and being added to a parent's multi-bike policy are the standard workarounds.
Liability usually costs less, because motorcycles do less damage to other people's property. Full coverage can approach or exceed car prices though, because riders are injured far more often per mile than drivers, and theft rates on popular models are high. A 45-year-old with a clean record pays about $585 a year for full motorcycle coverage versus roughly $2,500 for full coverage on a new car.