Cheap Motorcycle Insurance: Save on Coverage
Looking for affordable motorcycle insurance that doesn’t cut corners on coverage? At G&G Insurance, we compare quotes from 50+ top insurers to help you find the best protection at the lowest price — so you can hit the road with confidence and savings.
Do I Need to Have Motorcycle Insurance?
The short answer? Yes. Almost every US state requires motorcycle insurance. The only states that do not require you to hold insurance for your motorcycle are New Hampshire, Florida, and Montana. But just because holding insurance in these states isn’t mandatory doesn’t mean you don’t need it.
Being found at fault in an accident where you don’t have proper insurance coverage can be financially devastating. Can you afford to cover the costs of repairs to someone else’s vehicle or property damage? What about medical bills for yourself or another party involved—or both? And don’t forget legal fees if charges are pressed for any reason.
If you’re not certain that you could cover these potential costs, you need motorcycle insurance. Shopping for insurance may be frustrating, but sorting through the aftermath of an uninsured accident is far more arduous. For more information on the insurance requirements in your area, visit the Department of Insurance website.
What Options for
Motorcycle Insurance Are There?
Motorcycle insurance covers any vehicle that is considered a motorcycle, such as a sports bike or custom motorcycle. This does not include e-bikes, mopeds, scooters, or dirt bikes.
Your options for the type of insurance you purchase vary by state. Some states have coverage minimums that differ from those of others. Perhaps you live in a state that doesn’t require insurance, but you plan on traveling to a state that does.
Your insurance needs are unique to you. It’s important to take some time to figure out how you’ll be using your motorcycle to ensure that you find the type of coverage you need to keep you financially and legally safe.
Confused about what you might need? Our insurance agents would be happy to help you sift through the various requirements to determine exactly which coverage would best suit you!
What Does Motorcycle Insurance Cover?
- Liability Coverage – Protects you if you cause damage or injury to someone else or their property.
- Collision – Covers repairs to your motorcycle after an accident.
- Uninsured/Underinsured Motorist – Protects you if another driver damages your bike or injures you without proper insurance.
- Comprehensive – Covers non-accident damage, like fire, theft, vandalism, or certain weather events.
- Custom Parts – Ensures aftermarket or modified parts are covered under your policy.
- Guest Passenger Liability – Covers injury to a passenger on your motorcycle. Some policies include this; others may require it as an add-on.
In cases of severe damage or theft, your insurance may also protect you from a total loss situation, helping you replace your motorcycle entirely.
How Much Insurance Do I Need?
The amount of motorcycle insurance you’ll need depends very much on the type of motorcycle you own and how you use it. Here are some types of motorcycles we cover:
- Street cycles
- Harley Davidsons
- Trike conversions
- Cruisers
- Classic bikes
- Touring bikes
- Dirt bikes
- ATVs
Some states have minimum liability coverage, but that may not be enough. Make sure to account for the cost of your motorcycle, average medical costs in your area, your health insurance coverage, custom pieces that you’ve added to your bike, how often and where you ride, how you store your bike, and more.
To best understand how much insurance you’ll need to be fully protected, contact G&G Insurance. We’ll walk you through the process of uncovering just how much coverage is right for you and your budget.
How to Save on Motorcycle Insurance?
Adding another monthly payment can be stressful, but motorcycle insurance doesn’t have to break the bank. Here’s how to lower your costs:
1. Increase Your Deductible
Paying more out of pocket after an accident can reduce your premiums—just choose an amount you can afford.
2. Choose a Less Expensive Bike
Basic models or fewer custom parts cost less to insure.
3. Bundle Policies
Combine motorcycle insurance with auto or homeowners insurance for possible discounts.
4. Get Certified
Safety courses or riding certifications can lower your rates.
5. Ask About Discounts
Insurers may offer savings for multiple bikes, experienced riders, added safety gear, or seasonal coverage.
6. Shop Around
Compare rates from multiple companies to find the best deal.
How Much Does Motorcycle Insurance Cost?
The cost of motorcycle insurance depends on factors like your bike’s value, your location, driving history, and coverage options. On average, riders pay around $500–$1,200 per year, though rates can be higher or lower depending on your circumstances.
Get your free quote today and see how much you could save!
What Our Customers Say
With unwavering dedication and a commitment to excellence, we are proudly trusted by over 13,000 clients who rely on G&G Insurance for their coverage needs.
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Mr John Rogers was very thorough to help review our current personal lines policies, remarket them and present comparative proposals. In our situation he was not only able to significantly... read more
Dabney S.
April 5, 2026John Rogers was kind, considerate, professional and thorough. The transition to G & G Was seemless!
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April 2, 2026I just want to give a HUGE shout out to Jolyn Brock for helping me get a new policy on my ford bronco! She was a pleasure to work with... read more
Natalie S.
April 1, 2026 -
Micah Gay shopped around and got us huge discounts in under 10 minutes. He made it so easy!!
Kailey T.
March 30, 2026Very easy to communicate with as they have reached out, the process can be as simple and confirming information
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March 26, 2026Quick. Attentive. Knowledgeable. Micah is saving me hundreds each month. Now more than ever that savings makes a difference! Give em a call today. Ask for Micah and tell... read more
Cassie M.
March 25, 2026 -
Micah was a huge helping hand when it came to helping me figure out my situation and I really appreciated it!
Chris J.
March 24, 2026Micah was absolutely incredible to work with while I was navigating buying my first home. I had a lot of questions and honestly felt a little overwhelmed at times, but... read more
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March 23, 2026Tyler went above and beyond 10x to find us the best coverage!
Amy
March 21, 2026 -
I was in a time crunch sitting at the car lot needing insurance late afternoon on a Friday and Payton helped me get coverage quickly and efficiently! She went above... read more
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March 16, 2026Very easy to work with and quick!
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March 13, 2026Very easy and very honest. Great prices
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March 11, 2026 -
John provided an excellent service and found us the best homeowner’s insurance rate. Not only did he dedicate his time to ensuring we received the best coverage to fit our... read more
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March 11, 2026Micah Gay helped my partner and I navigate our first Home Insurance, and helped us save a ton compared to the Big Names with an auto and home bundle. Super... read more
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March 10, 2026John was great to work with and answered all my questions and had helpful feedback!
Kaitlyn M.
March 4, 2026 -
G&G was fantastic to work with. Payton was a joy to speak with and answered all our questions (no matter how stupid)! Would definitely recommend and use again!
Chris D.
March 3, 2026Great experience. I dislike sales people and dislike being "sold to" even more. John did a great job, listened to what I wanted and did the extra work to make... read more
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March 2, 2026We had a great experience with this insurance company, especially working with Terry! The process was incredibly easy from start to finish. Terry explained everything clearly, answered all of our... read more
Paulina T.
January 15, 2026
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John provided an excellent service and found us the best homeowner’s insurance rate. Not only did he dedicate his time to ensuring we received the best coverage to fit our... read more
Shawn D.
March 11, 2026 -
Very easy to work with and quick!
Layne T.
March 13, 2026 -
John Rogers with G&G was professional and prompt throughout the process. He made it easy and painless.
Grant J.
December 4, 2025 -
Micah was my quoting agent and made it the best and easiest process I’ve ever had!
Brittany K.
November 21, 2025 -
I recently learned the insurance carrier I'd had my home and auto policies with for years was pulling out of Arkansas and that my coverage would end soon. My search... read more
Bill P.
November 26, 2025 -
Mr John Rogers was very thorough to help review our current personal lines policies, remarket them and present comparative proposals. In our situation he was not only able to significantly... read more
Dabney S.
April 5, 2026 -
G&G was fantastic to work with. Payton was a joy to speak with and answered all our questions (no matter how stupid)! Would definitely recommend and use again!
Chris D.
March 3, 2026 -
We have a rental business, cars and a home we have insured through companies found through G&G. I can't emphasize enough how pleasant Terry made the process and how... read more
TD
November 25, 2025 -
I was in a time crunch sitting at the car lot needing insurance late afternoon on a Friday and Payton helped me get coverage quickly and efficiently! She went above... read more
Lyndie M.
March 16, 2026 -
John was great to work with and answered all my questions and had helpful feedback!
Kaitlyn M.
March 4, 2026
What Factors Affect Motorcycle Insurance Premiums?
Several factors determine how much you’ll pay for motorcycle insurance:
Type of Bike
High-performance or luxury motorcycles usually cost more to insure than standard models.
Rider Experience
Experienced, certified riders may qualify for lower rates.
Location
Areas with higher accident or theft rates often have higher premiums.
Coverage Limits & Deductibles
More coverage or lower deductibles increase your premium; higher deductibles can lower it.
Claims History
Previous accidents or claims can raise your rates.
Age & Gender
Younger or less experienced riders may pay more, though rates vary by insurer.
Safety Equipment
Anti-theft devices, helmets, and other safety gear may reduce premiums.
Tip: Comparing multiple insurers can help you find the best balance of coverage and price.
Curious about your rates?
G&G Insurance can help you find a quote in no time!
Why Choose G&G Insurance
Your ride deserves the best protection. G&G Insurance helps you compare leading insurers and secure coverage quickly.
Here’s why riders trust us:
Knowledgeable insurance agents ready to help you choose the coverage that truly protects you and your motorcycle.
Policies tailored to your bike, riding style, and budget.
Compare 50+ insurers to find the best rates and coverage for your motorcycle.
From your hometown streets to cross-country adventures, we help keep your motorcycle protected wherever the road takes you.
Ride with confidence — G&G Insurance has you covered.
Start Your Free Motorcycle Insurance Quote Today
Get coverage from 50+ top-rated insurance companies without the hassle. With just one quick search, we’ll show you personalized motorcycle insurance options tailored to your bike, your needs, and your budget — no obligation, no stress.
Protect your ride and your wallet today.
Motorcycle Insurance FAQs
Q: Do I need motorcycle insurance?
Q: What does motorcycle insurance cover?
Q: How is motorcycle insurance priced?
Q: Can I ride my motorcycle in multiple states with one policy?
Q: Are custom parts covered?
How to Get Motorcycle Insurance?
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Online Form: Fill out a simple form on our website anytime—fast and convenient.
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Visit Our Office: Stop by our office to speak with us in person and receive expert advice.
From cars to motorcycle insurance, our team is here to help you every step of the way with no pressure—only honest advice and tailored support.