Insurance companies use all of the safety and risk information at their disposal when setting their rates. The type of motorcycle that you drive naturally impacts your premiums greatly. Insurers will consider, in particular:

Motor Bike Value: More expensive motorcycles are more expensive for repair and replacement, so you will be more charged by insurance companies if you purchase a full collision insurance.

Bike Safety: Bikes with more safety features – such as anti-lock brakes – are less likely than bikes that have no such characteristics and are generally cheaper to insure.

Crash Rate: Some model and style of motorcycles are more involved than others in accidents. If your bike model involves a high rate of crashes, you will be assumed to file a claim by motorcycle insurance companies.

Theft Rate: Insurers frequently charge more for covering a frequently stolen bike. That's because the insurer has a higher chance of paying a full claim. Therefore, high theft targets are costlier to insure flashy and high cost motorcycles.

The insurance of sports and super sport bikes (also known as road bikes) is generally much more expensive to ensure than other bikes, as they tick a lot of these boxes.

Typical Motorcycle Insurance Policies were collected and sports bikes, despite a Kelley Blue Book average value of only 59 percent were 362 percent cost-effective compared to cruiser bikes. Similarly, tour bike insurance was 47% less expensive than the average cost of sports biking.