motorcycle insurance calculator
Motorcycle Insurance Calculator – 2025 Guide
Estimate Your Motorcycle Insurance Coverage and Costs
At Blake Insurance Group, we understand that choosing the right motorcycle insurance can be overwhelming. Our updated Motorcycle Insurance Calculator helps you estimate your coverage needs and potential costs, so you get the protection you want at a price that fits your budget
Motorcycle Insurance Calculator
How to Use Our Motorcycle Insurance Calculator
To receive the most accurate estimate, have the following information ready:
Personal Details
Age
State of residence
Riding experience
Motorcycle Information
Make and model
Year
Engine size (cc)
Estimated value
Coverage Preferences
Desired liability limits
Need for comprehensive and collision coverage
Any additional options (roadside assistance, accessory coverage, etc.)
Riding Habits
Annual mileage
Primary use (commuting, recreation, etc.)
What Affects Motorcycle Insurance Rates?
Several factors influence your premium. Here’s what matters most in 2025:
Location: Insurance rates vary widely by state and even city. For example, average annual full coverage premiums range from $158 in Montana to $1,035 in Arizona. Urban areas and states with longer riding seasons typically have higher rates.
Age & Experience: Riders under 25 or with less than two years of experience can pay up to 30% more. Rates generally decrease with age and a clean riding record.
Type of Motorcycle: Sport and high-performance bikes cost 15–20% more to insure than cruisers or touring models, due to higher accident and theft rates.
Coverage Level: Higher liability limits and adding comprehensive/collision coverage increase premiums, but also provide more protection.
Riding Record: Accidents or violations can raise your premium by up to 50%.
Annual Mileage: Riding more than 10,000 miles per year can increase costs.
Storage & Security: Keeping your bike in a locked garage and using anti-theft devices can qualify you for discounts
Average Motorcycle Insurance Costs in 2025
| Coverage Type | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Minimum Liability | $13–$18 | $154–$220 |
| Full Coverage | $48–$69 | $571–$1,035 |
Premiums vary by state, age, bike type, and coverage. For example, a 40-year-old rider with no violations pays about $571 per year for full coverage nationally, but this can be much higher in states like Arizona or California.
Coverage Options Explained
Liability Coverage: Pays for damages you cause to others. Required in most states.
Comprehensive & Collision: Covers theft, vandalism, and damage to your bike from accidents or other incidents.
Additional Coverages: Consider roadside assistance, accessory coverage (for custom parts), uninsured/underinsured motorist, medical payments, rental reimbursement, and trailer coverage.
How Our Calculator Works
Our Motorcycle Insurance Calculator uses your input to:
Estimate a base premium based on your location and profile
Adjust for your motorcycle’s type and value
Calculate costs for different coverage levels and add-ons
Apply potential discounts you may qualify for
Motorcycle Insurance Discounts in 2025
Save money by asking about these common discounts:
Safe rider (accident-free years)
Multi-policy (bundle with home/auto)
Motorcycle safety course completion
Low-mileage rider
Anti-theft device installation
Higher deductible selection
Tips for Getting the Best Rate
Compare quotes from multiple insurers—rates can vary by 36% or more between providers.
Complete a motorcycle safety course for a premium discount.
Bundle policies (home, auto, motorcycle) for multi-policy savings.
Choose a bike that’s less expensive to insure (cruisers and touring bikes typically cost less than sport bikes).
Maintain a clean riding and driving record.
Store your bike securely and consider anti-theft devices.
Next Steps
After using our calculator:
Review your estimated coverage and costs.
Adjust coverage levels to strike a balance between protection and affordability.
Contact our insurance experts for a personalized quote.
Ask about available discounts and ways to lower your premium.
Contact Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon–Fri 9:00 am to 5:00 pm | Sat–Sun: Closed
Get started with our Motorcycle Insurance Calculator today and ride with confidence knowing you’re protected at the right price
- Complete a motorcycle safety course
- Maintain a clean riding record
- Bundle your motorcycle insurance with other policies
- Choose a higher deductible
- Install anti-theft devices
- Limit your annual mileage
- Qualify for multi-policy or safe rider discounts
- Accessory coverage for custom parts
- Roadside assistance
- Medical payments coverage
- Rental reimbursement
- Trailer coverage (if you transport your motorcycle)
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent