Motorcycle Insurance Cost
In the US, motorcycle insurance typically costs $780, or $65 a month, with most prices from $250 to $1,800 for a rider with a clean record and a mid-size bike. Pick your state for a local estimate.
Motorcycle Insurance Cost by state
| State | Typical per year | Per month | Range |
|---|---|---|---|
| Alabama | $830 | $69 | $270 to $1,930 |
| Alaska | $730 | $61 | $230 to $1,670 |
| Arizona | $820 | $68 | $260 to $1,890 |
| Arkansas | $800 | $67 | $260 to $1,850 |
| California | $870 | $73 | $280 to $2,020 |
| Colorado | $920 | $77 | $300 to $2,120 |
| Connecticut | $780 | $65 | $250 to $1,800 |
| Delaware | $980 | $82 | $310 to $2,250 |
| District of Columbia | $900 | $75 | $290 to $2,070 |
| Florida | $1,050 | $88 | $340 to $2,430 |
| Georgia | $940 | $78 | $300 to $2,160 |
| Hawaii | $610 | $51 | $200 to $1,400 |
| Idaho | $550 | $46 | $180 to $1,260 |
| Illinois | $660 | $55 | $210 to $1,530 |
| Indiana | $610 | $51 | $200 to $1,400 |
| Iowa | $560 | $47 | $180 to $1,300 |
| Kansas | $760 | $63 | $250 to $1,760 |
| Kentucky | $1,010 | $84 | $330 to $2,340 |
| Louisiana | $1,210 | $101 | $390 to $2,790 |
| Maine | $480 | $40 | $160 to $1,120 |
| Maryland | $860 | $72 | $280 to $1,980 |
| Massachusetts | $640 | $53 | $210 to $1,480 |
| Michigan | $1,050 | $88 | $340 to $2,430 |
| Minnesota | $760 | $63 | $240 to $1,750 |
| Mississippi | $840 | $70 | $270 to $1,940 |
| Missouri | $760 | $63 | $250 to $1,760 |
| Montana | $740 | $62 | $240 to $1,710 |
| Nebraska | $760 | $63 | $240 to $1,750 |
| Nevada | $1,010 | $84 | $330 to $2,340 |
| New Hampshire | $480 | $40 | $160 to $1,120 |
| New Jersey | $870 | $73 | $280 to $2,020 |
| New Mexico | $760 | $63 | $250 to $1,760 |
| New York | $980 | $82 | $310 to $2,250 |
| North Carolina | $620 | $52 | $200 to $1,440 |
| North Dakota | $610 | $51 | $200 to $1,400 |
| Ohio | $610 | $51 | $200 to $1,400 |
| Oklahoma | $840 | $70 | $270 to $1,940 |
| Oregon | $690 | $58 | $220 to $1,580 |
| Pennsylvania | $740 | $62 | $240 to $1,710 |
| Rhode Island | $950 | $79 | $310 to $2,200 |
| South Carolina | $830 | $69 | $270 to $1,930 |
| South Dakota | $690 | $58 | $220 to $1,580 |
| Tennessee | $740 | $62 | $240 to $1,710 |
| Texas | $950 | $79 | $310 to $2,200 |
| Utah | $780 | $65 | $250 to $1,800 |
| Vermont | $470 | $39 | $150 to $1,080 |
| Virginia | $640 | $53 | $210 to $1,480 |
| Washington | $720 | $60 | $230 to $1,660 |
| West Virginia | $760 | $63 | $250 to $1,760 |
| Wisconsin | $590 | $49 | $190 to $1,350 |
| Wyoming | $640 | $53 | $210 to $1,480 |
What the price covers
The figures are for a rider with a clean record and a mid-size bike. Sport bikes, new riders and year-round coverage cost more; seasonal policies cost less.
How to pay less
- Completing a rider safety course often earns a discount.
- Seasonal or lay-up coverage costs less if you do not ride in winter.
- Engine size and bike type have a big effect on price.
Frequently asked questions
How much is motorcycle insurance?
The national typical price is about $780 a year ($65 a month), with most people paying from $250 to $1,800 for a rider with a clean record and a mid-size bike.
Which state is the cheapest for motorcycle insurance?
In our estimates Vermont is the lowest and Louisiana is the highest.
Is this a quote?
No. It is a modelled estimate for planning. Your own price depends on personal factors, so get quotes before you decide.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.