Motorcycle Insurance vs. Car Insurance: Which Is Cheaper?

Is Motorcycle Insurance Cheaper Than Car Insurance

Motorcycle insurance rates can be a bit more expensive than car insurance rates. In some cases, they can cost as much as three times as much. The reason for this is that motorcycle rides are more risky and unpredictable than car rides. Motorcycles have a higher likelihood of being involved in a crash, and the injuries sustained by riders are usually more severe because of where they sit on the bike. You may wonder if it’s worth it to buy motorcycle insurance when car insurance is so cheap. Keep reading to find out why motorcycle riders choose to pay more for insurance than those who drive cars.

Why is motorcycle insurance more expensive?

Rides on motorcycles are more risky than car rides. Motorcycles have a higher likelihood of being involved in a crash, and the injuries sustained by riders are usually more severe because of their positioning on the bike.

Motorcycle insurance rates are generally at least twice as expensive as car insurance rates, and some riders may find that they’re three times the price. Despite this difference in cost, many motorcycle riders still choose to purchase insurance for their bikes.

The main reason for this is because it is easier to get motorcycle insurance than auto insurance. When you buy auto insurance, your driving history, vehicle type and make, and other factors go into determining how much you’ll pay. With motorcycle insurance there is no such variability; it’s all about age and driving record (and sometimes gender). As long as you’re over 18 with a clean driving record (or 19 with a spotty one), you can get coverage for your motorcycle without any trouble whatsoever.

Many people find that paying more for coverage isn’t worth it if they’re never going to use it—but having something you know will be there when you need it can be worth the extra expense.

Why riders choose to buy motorcycle insurance

Motorcycle riders choose to pay more for insurance because it’s a necessary investment. Motorcyclists don’t have a metal frame to protect them, and they’re almost always going faster than those who drive cars. That means the costs of repairing a motorcycle after an accident are going to be more expensive, and riders need to ensure that their finances can withstand this extra expense.

Additionally, motorcycle riders often want higher coverage limits than those who drive cars. For example, if they were riding in an area where there was a lot of crime or there were many narrow roads with few turn-outs, they may choose to buy additional liability insurance. This will help protect them in case they’re involved in an accident and cause damage or injury to others.

Car drivers don’t need as much protection because their vehicles usually offer more protection than motorcycles do. They also typically drive slower and on larger roads with many opportunities for escape if needed.

What should I do if I want to buy a motorcycle?

It’s not unusual for people to want to buy a motorcycle when they already have a car. Here are some things you should consider before you make the purchase:

-Are you already insured? You can’t get insurance without an existing policy, so make sure that you are at least insured before you buy a motorcycle.

-Can I afford the motorcycle? If you are someone who needs to pay for insurance out of pocket, your monthly payment will be higher if you buy a more expensive make and model. Consider which type of bike is within your budget.

-Do I have enough time in my day? If you don’t have much free time in the day, then it may be better for you to choose a vehicle that requires less maintenance and doesn’t need as much maintenance.


For most people, a motorcycle is a recreational vehicle. However, it can also be used to get from point A to point B. Motorcycle insurance is more expensive because these vehicles are more likely to be stolen and have accidents. Riders have to consider that when they decide whether they want to buy a motorcycle. If they do decide to buy one, they should also buy motorcycle insurance.

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