Best Motorcycle Insurance Discounts in 2024 (Save up to 20% With These Deals!)
The best motorcycle insurance discounts can help you save up to 20%. Finding bike insurance discounts will help you find the cheapest rates, with prices starting at just $33 per month. Additional ways to lower your motorcycle insurance include raising your deductible and staying safe on the road.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
The best motorcycle insurance discounts can help you save up to 20% on your policy, making what’s usually affordable coverage even cheaper.
When compared to traditional car policies, it’s typically easy to find lower motorcycle insurance premiums. Motorcycle insurance usually costs only a fraction of what standard auto insurance costs.
However, you should still compare rates — many factors affect insurance rates for motorcycles that can increase what you pay. Taking advantage of discounts for motorcycle insurance can help you save.
Our Top 10 Picks: Best Motorcycle Insurance Discounts
| Discount | Rank | Savings Potential | Description |
|---|---|---|---|
| Safety Course Discount | #1 | 20% | Completing an approved motorcycle safety course. |
| Multi-Policy Discount | #2 | 15% | Bundle your motorcycle and auto insurance for discounts. |
| Responsible Driver Discount | #3 | 15% | Maintain a clean driving record to lower your premium. |
| Anti-Theft Device Discount | #4 | 10% | Installing anti-theft devices can reduce your insurance. |
| Multi-Bike Discount | #5 | 10% | Insure more than one motorcycle on the same policy. |
| Renewal Discount | #6 | 10% | Renew your policy without gaps to qualify for this discount. |
| New Motorcycle Discount | #7 | 7% | Newer bikes often qualify for a discount on your premium. |
| Association Membership | #8 | 5% | Membership in motorcycle associations can lead to savings. |
| Paperless Billing Discount | #9 | 5% | Go paperless to simplify billing and reduce costs. |
| Automatic Payments | #10 | 5% | Set up automatic payments to save. |
Read on to learn how to get the cheapest insurance for motorcycles with discounts. Then, enter your ZIP code into our free comparison tool above to see motorcycle insurance rates in your area.
- There are a variety of discounts motorcycle drivers can take advantage of to save
- Companies don’t offer a specific bike insurance discount
- Motorcycle insurance is usually cheaper than standard car insurance
The Best Motorcycle Insurance Discounts
While there’s no such thing as specific motorcycle or scooter insurance discounts, you can take advantage of many standard auto insurance discounts. Consider the following types of discounts when you’re trying to find cheap insurance for motorcycles.
Safe Rider Discounts
A safe rider – or safe driver – discount is for drivers who have gone a specific length of time without causing an accident, receiving a traffic violation, or otherwise filing a claim.
Most insurance companies offer a good driver discount after spending at least a year violations-free. Many safe drivers also sign up for usage-based insurance to lower their premiums even further.
While you can get cheap usage-based insurance for a car, it’s unfortunately unavailable for motorcycles. However, enrolling in a UBI program can help lower your rates if you plan on getting a car and motorcycle insurance bundle.
Some companies also offer a motorcycle safety course discount. If you complete a safety course for motorcycles approved by your company, you’ll be eligible for a discount. Speak with a representative to see if your company offers this discount.
Loyalty Auto Insurance Discounts
Getting a customer loyalty auto insurance discount is easy – simply remain a customer at your insurance company for a specified amount of time. Most insurance companies automatically apply a loyalty discount to your policy as soon as you qualify.
Customer loyalty discounts are typically considered a car insurance discount, but most companies apply them to motorcycle policies. If you’re unsure if you qualify, make sure to ask a representative.Brandon Frady Licensed Insurance Producer
Companies like Progressive offer tiered loyalty discounts. For every loyalty milestone you reach, your discount increases.
Policy Bundling Discounts
Most major insurance providers sell multiple types of insurance. If you purchase more than one type of insurance from the same company, you’ll probably get a bundling discount. Typically speaking, eligible policies include auto, home, and renters.
You’ll also likely be eligible for a discount if you get a car and motorcycle insurance bundle.
Low Mileage Discounts
Only use your motorcycle for occasional drives? People who put fewer discounts than the national average may qualify for a low-mileage discount.
However, you may need to sign up for a telematics device to qualify for low-mileage rates. Currently, there aren’t many telematics programs available for motorcycles. However, you can sign up for one if you own a car and split your driving time between the two vehicles.
Anti-Theft Discounts
You can get an anti-theft auto insurance discount if your motorcycle comes with features that make it harder to steal. Every company has different criteria, but these features usually include:
- VIN Etching
- GPS Tracking
- Kill Switch
- Audible Alarm
An anti-theft device discount usually automatically applies to your policy when you first sign up. However, you may need to speak with a representative if you add custom anti-theft gear to your bike.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Motorcycle Insurance Rates
Is motorcycle insurance cheaper than coverage for cars? It’s a common question about motorcycle insurance, but the answer can be a little complicated.
If you’re looking for discount motorbike insurance, your cheapest bet is a minimum insurance policy. Minimum insurance is the least amount of coverage you can purchase to meet the insurance requirements in your state.
Some states require less coverage for motorcycles than cars, while others have the same requirements for both. Your insurance company will know exactly how much coverage you need to legally drive.Laura Berry Former Licensed Insurance Producer
Minimum coverage is the cheapest sportbike insurance you can get and is often cheaper than a policy for cars. If you want a full coverage policy, you may find motorcycle rates can be higher.
To see the difference in price between minimum insurance and full coverage, check the prices below.
Motorcycle Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 18 Female | $120 | $200 |
| Age: 18 Male | $130 | $220 |
| Age: 25 Female | $90 | $150 |
| Age: 25 Male | $100 | $170 |
| Age: 35 Female | $70 | $130 |
| Age: 35 Male | $80 | $140 |
| Age: 45 Female | $65 | $120 |
| Age: 45 Male | $70 | $130 |
| Age: 55 Female | $60 | $110 |
| Age: 55 Male | $65 | $120 |
While the amount of insurance you need is an important factor, it’s not the only thing that impacts your motorcycle coverage rates. Motorcycles are more dangerous to drive than standard vehicles, so your driving record plays an integral role in your rates. Check below to see how much rates can vary depending on your driving record.
Motorcycle Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
 | $50 | $65 | $75 | $95 |
 | $48 | $60 | $70 | $90 |
 | $45 | $55 | $65 | $85 |
 | $35 | $50 | $60 | $80 |
 | $42 | $60 | $70 | $90 |
 | $40 | $55 | $65 | $85 |
 | $38 | $52 | $63 | $83 |
 | $37 | $50 | $60 | $80 |
 | $41 | $58 | $68 | $88 |
 | $33 | $45 | $55 | $70 |
Drivers with multiple speeding tickets, accidents, or a DUI on their records may need to get high-risk auto insurance. Finding cheap high-risk auto insurance is always challenging but can be more difficult with a motorcycle. However, there are companies that specialize in high-risk coverage and motorcycle insurance, like Dairyland.
Calling all motorcycle🏍️ drivers! Dairyland Insurance specializes in motorcycle policies, and they’re available in more states than just Wisconsin🐄. Read our review here👉: https://t.co/p180cC8DRZ pic.twitter.com/3uthGOsGip
— AutoInsurance.org (@AutoInsurance) September 4, 2024
No matter what your situation is, make sure to research your options. Whether you want cheap insurance for motorcycles or an auto and motorcycle insurance bundle, comparing your options is the best way to save.
Other Ways to Lower Motorcycle Insurance Prices
Still wondering how to get cheap motorcycle insurance? There are plenty of ways to save, including the following:
- Raise Your Deductible: Raising your motorcycle or auto insurance deductible will decrease the amount you have to pay monthly. However, you’ll have to pay more before your insurance kicks in if you need to file a claim.
- Pick the Right Coverage: While having more coverage is never a bad thing, it will increase your rates. Choose only the coverage you need to keep your rates low.
- Keep Your Record Clean: Aside from being one way how to get cheaper motorcycle insurance, staying safe on the road is critical for bike riders.
- Improve Your Credit Score: Unless you live in one of the few states that ban it, insurance companies look at your credit score when determining your rates. Increasing your score can result in lower rates.
The most important step in how to lower motorcycle insurance rates is to compare quotes. Most companies make it easy to get a personalized quote – simply visit their website and fill out the quote request form.
If you don’t want to take the time to fill out individual quotes, you can use a price-generating tool to get multiple rates at once.
However, you should compare your options beyond a basic quote for a better idea of how much you might pay. For example, a Geico motorcycle insurance quote may be your lowest option, but State Farm motorcycle insurance discounts may lead to lower overall rates.
Find the Best Motorcycle Insurance Discounts Today
Learning how to compare insurance quotes is crucial in getting cheap motorcycle insurance. You should also compare motorcycle insurance discounts to lower your rates even further.
When you’re ready to see motorcycle insurance rates in your area, enter your ZIP code in our free comparison tool above.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
Which company has the best motorcycle insurance?
Some companies that offer the best auto insurance companies for motorcycles include Geico, Progressive, Dairyland, and State Farm. While Dairyland offers some of the best motorcycle insurance, it’s only available in 27 states.
How do I lower motorcycle insurance costs?
First, check your coverage. Many policies are quoted with optional coverage selections added. Check to see what’s necessary and make adjustments if needed. Then ask for all the discounts you can find.
Is insurance cheaper for a motorcycle?
Generally, yes. Motorcycles cost less to replace on average than passenger vehicles. Plus, people tend to drive bikes less on average. However, you’ll still need to compare quotes to find the cheapest auto insurance companies for motorcycles.
What type of motorcycle has the cheapest insurance?
The cheapest insurance on a bike has more to do with the driver and the lienholder than the bike. Lesser expensive bikes are the cheapest to insure, but that can vary. If you’re financing a vehicle, you have to carry full coverage, and that’ll boost your premium right away.
Avoiding financing means avoiding those necessities. Same thing with the driving record. Keeping it clean means lower premiums. A driver with a clean record can sometimes finance a new Harley Davidson and still pay less than a driver of an early 2000s Honda Gold Wing.
Are older motorcycles cheaper to insure?
Yes, but the variance from year to year won’t be astronomical. If you’re worried about prices, enter your ZIP code into our free comparison tool to ensure you’re getting the lowest rates.
What motorcycles are the most expensive to insure?
The most expensive motorcycles to insure are the ones that are brand new, financed, and owned by drivers without perfect records.
What is a motorcycle insurance discount?
A motorcycle insurance discount is a reduction in the premium you pay for your motorcycle insurance coverage. It is offered by insurance companies as an incentive to reward riders who meet certain criteria or take specific actions that are considered lower risk.
What are some common ways to obtain a motorcycle insurance discount?
There are several common ways to obtain a motorcycle insurance discount. Some of them include:
- Safe Riding Record: Maintaining a clean riding record with no accidents or traffic violations.
- Motorcycle Safety Course: Taking and successfully completing a recognized motorcycle safety course.
- Bundling Policies: Bundling your motorcycle insurance with other policies, such as auto or home insurance, with the same insurance provider.
- Anti-Theft Devices: Installing anti-theft devices on your motorcycle, such as an alarm system or GPS tracking device.
- Low Mileage: If you ride your motorcycle less frequently, you may be eligible for a discount.
While most discounts apply automatically to your account, some require proof. Learning how to manage your auto insurance policy is an important part of maximizing your insurance savings. Make sure to occassionally check your discounts to make sure you get everything you deserve.
How much does a motorcycle safety course save on insurance?
Completing a motorcycle safety course demonstrates to insurance companies that you have received proper training in riding techniques and safety precautions. It indicates that you are a responsible rider and less likely to be involved in accidents. Insurance providers often offer discounts to riders who have completed these courses as a way to encourage and reward safe riding habits.
Who has the best motorcycle insurance for drivers under 25?
The best auto insurance for drivers under 25 depends on a variety of factors, but Erie, State Farm, and Geico tend to have the lowest rates for young drivers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.