Most test rides require signing an insurance waiver making the potential buyer responsible for any damage during the test ride. Do ANY companies sell Test Ride Insurance?

January 26, 2015

Most test rides require the rider to sign an insurance waiver. Do any companies sell motorcycle test ride insurance?

What insurance coverage do I minimally need as a foreigner when I want to ride my (U.S. bought) bike through the U.S?

August 20, 2014

When riding as a foreigner through the US, the rider would need at a minimum Liability (BI/PD) coverage. This is ...

Can I get insurance without a license?

January 3, 2014

If the question refers to having a basic driver’s license, then the answer is yes but there will often be a ...

If I sign up and pay for an insurance policy to start on May 1 but I get into an accident on April 15 (let’s say under another insurer’s policy), will the new policy be affected?

December 16, 2013

This depends on the timing of the purchase. While it varies by state, insurers generally have a couple of months to ...

Does usage-based insurance (or pay as you drive insurance) work for motorcyclists? Is it a reasonable way to save money if you don’t ride much?

October 9, 2013

Usage-based insurance is a very real way for drivers to save money and earn the rate they deserve. To date, more ...

If I get in an accident and the other driver doesn’t have insurance and it’s their fault, who pays their medical (and mine)?

August 15, 2013

Each state may have different coverage available on a motorcycle policy. When purchasing a motorcycle policy it is ...

If my motorcycle is badly damaged after hitting a pothole in the road, will my premiums increase?

July 16, 2013

If you file a claim due to damage from hitting a pothole, it would be paid under collision coverage. A situation ...

Does a trike get treated the same way as a motorcycle with insurance coverage?

July 10, 2013

A trike in many cases is a two-wheeled machine that has been modified with a kit that coverts the machine to a ...

Do scooters need full coverage insurance?

July 1, 2013

These days, scooters are available with a wide variety of prices and features. The diversity of different types of ...

How much more would the insurance cost for an 18-year-old (clean driving record) on a Kawasaki Ninja ZX -10R ABS vs. a 30-year-old?

June 19, 2013

For an apples to apples comparison, the 18 year old would generally pay around 75% more than the 30 year old for ...

Allstate Motorcycle Insurance
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Top 10 Months For Motorcycle Theft

For calendar year 2011, the National Insurance Crime Bureau tracked a number of statistics regarding motorcycle theft, including the top 10 stolen brands and the top 10 states for theft. Those lists can be found elsewhere on this site. Here, we list the top 10 months for motorcycle theft based on the NICB findings. In ascending order, they are:

Top 10 Most Expensive Motorcycles To Insure

Recently, we published a story on the least expensive motorcycles to insure. In it, the bikes were broken down by category, knowing that consumers aren’t interested in a list entirely of small-displacement beginner bikes. We also kept the list to current models (2013 in this case) available in the United States. This time we’re going the other direction. Here we have the Top Ten most expensive motorcycles to insure. Yes, we could have listed ten uber-expensive and super-rare motorcycles which cost a fortune to insure, but in the name of practicality this list is comprised of mass produced 2013 models the majority of folks can actually buy. Again, we averaged quotes from different insurance providers to come up with our rankings. Our fictitious rider is a 30 year-old male, licensed for ten years, with a clean record living in Los Angeles. As always, shop around with your own and other insurance providers to get rate quotes tailored for you and your situation.

Top 10 States for Motorcycle Theft

Where you live is one of the most important factors insurance companies use in determining your premium. Why? As with age, experience, the type of bike you ride and every other factor considered in computing your rate, where you live comes into the equation for one simple reason: risk. Statistics show that some areas have higher crime rates than others. So if a higher crime rate equals a higher risk of damage to or loss of your property, it will cost you more to insure anything you own. And that includes your motorcycle. If your motorcycle resides in a location where statistics prove it’s at a greater risk for damage or theft, insurance companies are going to want you to pay a higher premium for coverage. Overall, 2011 saw 46,667 motorcycle thefts in the US (including Puerto Rico and Washington D.C.), according to the National Insurance Crime Bureau (NICB). Interestingly, that number is down 6% from the prior year – welcome news, as the Motorcycle Industry Council says total motorcycle sales are on the rise, albeit slightly (0.3%). The list below shows the Top 10 states with the highest rate of motorcycle theft in 2011 (Total number of thefts and most targeted brand in parentheses). Worth noting: these 10 states accounted for 25,983 thefts in 2011 – fully 56% of the total. If you’re trying to insure a bike in one of these states, expect to pay more. Still, experts say things like keeping your motorcycle garaged and hooking up a recovery system such as LoJack will have a positive effect on your premium.

Top 10 Cheapest Motorcycles To Insure

Motorcycle insurance is a slippery subject. With so many options for coverage, it’s hard to keep track of every kind of policy. However, if you live in the States you gotta have at least bodily injury and property damage liability coverage before legally operating your motorcycle. But getting insurance doesn’t have to break the bank.

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Most test rides require signing an insurance waiver making the potential buyer responsible for any damage during the test ride. Do ANY companies sell Test Ride Insurance?

What insurance coverage do I minimally need as a foreigner when I want to ride my (U.S. bought) bike through the U.S?

Can I get insurance without a license?

If I sign up and pay for an insurance policy to start on May 1 but I get into an accident on April 15 (let’s say under another insurer’s policy), will the new policy be affected?

Does usage-based insurance (or pay as you drive insurance) work for motorcyclists? Is it a reasonable way to save money if you don’t ride much?

If I get in an accident and the other driver doesn’t have insurance and it’s their fault, who pays their medical (and mine)?

If my motorcycle is badly damaged after hitting a pothole in the road, will my premiums increase?

Does a trike get treated the same way as a motorcycle with insurance coverage?

Do scooters need full coverage insurance?

How much more would the insurance cost for an 18-year-old (clean driving record) on a Kawasaki Ninja ZX -10R ABS vs. a 30-year-old?

Top Insurance Providers

Allstate Motorcycle Insurance

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Honda Rebel

Honda CB500X

Triumph Daytona 675

Kawasaki ZX-10R

Suzuki Boulevard S40

Kawasaki Vulcan 900 Classic

Insurance Q&ABack to Motorcycle Insurance

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Allstate Motorcycle Insurance

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