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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I just signed up for home and auto insurance with Heather. I don't believe I have ever spoken with an insurance agent with better product knowledgeability than she! She answered... read more
Richard B.
September 10, 2026Paul is Great! He listens to you and helps you get the right coverage for your home and auto
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September 4, 2026 -
Blake with G and G took time to specifically address our needs and find the exact coverage we needed while saving us thousands per year over our last insurers. He... read more
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September 2, 2026Blake was personable, informative, and hard-working. 10/10 would recommend to anyone who needs help finding insurance that meets their needs and budget!!!
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September 2, 2026 -
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August 31, 2026Found this company after looking for recommendations by Dave Ramsey as I was so upset with State Farm and wanted someone that would be personable. I found on my home... read more
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August 29, 2026 -
Micah was super helpful, he made getting insurance quotes quick, and painless. And got me all set up in no time and is saving me over 2k per year +... read more
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August 28, 2026Blake Webb with G&G Independent Insurance in Fayetteville was very knowledgeable, attentive and efficient with getting back to me on auto and homeowners coverage. He was able to set up... read more
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August 28, 2026 -
Micah helped me find a great insurance plan that suits my unique needs. Throughout the whole process, he has been a consummate professional and a delight to work with. I highly... read more
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August 27, 2026I’ve had the pleasure of working with John Roger’s and his team recently and they have exceeded my expectations. They are full service and have outstanding follow up. They put... read more
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August 27, 2026 -
Kristina worked hard to find me even better coverage and saved me over $1500 a year. Highly recommend.
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August 18, 2026
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Blake Webb with G&G Independent Insurance in Fayetteville was very knowledgeable, attentive and efficient with getting back to me on auto and homeowners coverage. He was able to set up... read more
August 28, 2026 -
Angela was very helpful, answered my many questions and got us the increased coverage that we needed and still saved us money. This was a great experience.
August 31, 2026 -
I’ve had the pleasure of working with John Roger’s and his team recently and they have exceeded my expectations. They are full service and have outstanding follow up. They put... read more
August 27, 2026 -
They do not provide as good of service as they used to when they were first starting out.
Scott B.
February 28, 2026 -
I was contacted by a lady from G&G insurance in Little Rock. She was telling me that I can get insurance that a payout would pay for my deductible an... read more
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March 25, 2026 -
I just signed up for home and auto insurance with Heather. I don't believe I have ever spoken with an insurance agent with better product knowledgeability than she! She answered... read more
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I called several other insurance agencies before finding G&G. I wish that I had found them first! Tyler was friendly, knowledgeable, and gave me a quote while I was on... read more
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December 19, 2025 -
We have finally stepped out of our comfort zone of having the same insurance company over 30 years, and just excepting our premiums going up. We were paying double the... read more
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November 25, 2025 -
Micah was my quoting agent and made it the best and easiest process I’ve ever had!
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Kristina was very helpful, competent & patient in walking us through the process of getting our insurance. After doing her research she got us a great deal with a... read more
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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 insurance 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.