Motorcycle ownership brings freedom, excitement, and adventure — but it also comes with financial responsibilities. One of the biggest recurring expenses is insurance. The good news is that there are many proven ways to lower the insurance on a motorcycle cost without sacrificing the coverage you need. Whether you’re a new rider or a seasoned biker, taking a few smart steps can significantly reduce your premiums in 2025 and beyond.
One of the easiest and most effective ways to lower your motorcycle insurance cost is by completing an approved motorcycle safety course. Insurers reward riders who take these courses because it shows that you’re a responsible and trained motorcyclist.
Courses offered by the Motorcycle Safety Foundation (MSF) or similar certified organizations can earn you discounts ranging from 10% to 20% on your premium. Beyond savings, these courses teach advanced riding techniques, defensive driving habits, and accident-avoidance strategies — making you safer on the road.
Insurance companies often offer significant discounts when you bundle multiple policies with them. If you already have car, home, or renters insurance, adding your motorcycle policy to the same provider can reduce your costs by up to 25%.
Bundling simplifies your billing, provides loyalty perks, and often gives you access to additional benefits such as accident forgiveness or roadside assistance.
The type of bike you ride has a major impact on your insurance rate. High-performance motorcycles, such as sportbikes, are more expensive to insure because they have higher speeds, accident rates, and theft risks.
If you’re looking to save money, consider choosing a standard, cruiser, or touring motorcycle, which are less risky in the eyes of insurers. A smaller engine size (under 600cc) usually means lower premiums, especially for new riders.
Example:
A 2025 Yamaha MT-03 might cost $500–$700 per year to insure, while a 2025 Kawasaki ZX-10R could exceed $1,800 annually.
Your deductible is the amount you pay out of pocket before your insurance coverage starts after a claim. Choosing a higher deductible (for example, $1,000 instead of $250) can reduce your monthly or yearly premium significantly.
However, make sure your deductible amount is something you can comfortably afford if an accident happens. This strategy works best for responsible riders with a low claim history.