How we put this guide together: state and age figures come from MoneyGeek (October 8, 2026; 40-year-old man with no violations on a 2023 Honda CRF450RL unless noted; full coverage is 100/300/50 liability with $1,000 deductibles). ValuePenguin’s September 2026 state averages are shown for comparison. See our advertiser disclosure.
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| State | Minimum a year (MoneyGeek) | Full coverage a year (MoneyGeek) | Full coverage a month (ValuePenguin) |
|---|---|---|---|
| Alabama | $90 | $273 | $40 |
| Alaska | $75 | $200 | $26 |
| Arizona | $103 | $380 | $49 |
| Arkansas | $94 | $411 | $36 |
| California | $179 | $380 | $46 |
| Colorado | $91 | $321 | $33 |
| Connecticut | $151 | $349 | $29 |
| Delaware | $241 | $466 | $36 |
| Florida | $135 | $297 | $54 |
| Georgia | $103 | $399 | $38 |
| Hawaii | $112 | $351 | $45 |
| Idaho | $116 | $352 | $27 |
| Illinois | $176 | $417 | $29 |
| Indiana | $107 | $449 | $28 |
| Iowa | $91 | $238 | $18 |
| Kansas | $98 | $231 | $25 |
| Kentucky | $131 | $456 | $69 |
| Louisiana | $170 | $459 | $44 |
| Maine | $161 | $319 | $21 |
| Maryland | $154 | $373 | $32 |
| Massachusetts | $139 | $335 | $21 |
| Michigan | $186 | $456 | $38 |
| Minnesota | $85 | $224 | $28 |
| Mississippi | $107 | $530 | $48 |
| Missouri | $225 | $496 | $41 |
| Montana | $86 | $170 | $22 |
| Nebraska | $167 | $344 | $24 |
| Nevada | $109 | $485 | $39 |
| New Hampshire | $206 | $358 | $27 |
| New Jersey | $271 | $557 | $25 |
| New Mexico | $226 | $418 | $36 |
| New York | $124 | $282 | $27 |
| North Carolina | $85 | $377 | $23 |
| North Dakota | $102 | $222 | $18 |
| Ohio | $115 | $315 | $27 |
| Oklahoma | $130 | $319 | $37 |
| Oregon | $142 | $368 | $32 |
| Pennsylvania | $100 | $284 | $31 |
| Rhode Island | $288 | $565 | $34 |
| South Carolina | $192 | $360 | $44 |
| South Dakota | $108 | $237 | $20 |
| Tennessee | $89 | $411 | $41 |
| Texas | $184 | $472 | $46 |
| Utah | $119 | $376 | $43 |
| Vermont | $158 | $337 | $21 |
| Virginia | $198 | $413 | $31 |
| Washington | $91 | $288 | $29 |
| West Virginia | $254 | $490 | $33 |
| Wisconsin | $127 | $291 | $23 |
| Wyoming | $88 | $247 | $27 |
Sources: MoneyGeek (October 2026); ValuePenguin (September 2026). The two use different riders and bikes. Washington, D.C. was not included in these studies.
The cheapest states for full coverage in MoneyGeek’s data were Montana ($170), Alaska ($200), North Dakota ($222), Minnesota ($224) and Kansas ($231). The most expensive were Rhode Island ($565), New Jersey ($557), Mississippi ($530), Missouri ($496) and West Virginia ($490).
Average by region
| Region | Minimum a year | Full coverage a year | Cheapest state (full) |
|---|---|---|---|
| Northeast | $178 | $376 | New York ($282) |
| Midwest | $132 | $327 | North Dakota ($222) |
| South | $147 | $407 | Alabama ($273) |
| West | $118 | $334 | Montana ($170) |
Our arithmetic: simple averages of MoneyGeek’s state figures using US Census regions (not weighted by population).
Average cost by age
| Age | Minimum a year | Full coverage a year |
|---|---|---|
| 16 | $453 | $1,446 |
| 18 | $421 | $1,287 |
| 20 | $299 | $1,147 |
| 21 | $265 | $977 |
| 25 | $201 | $820 |
| 30 | $172 | $769 |
| 35 | $159 | $697 |
| 40 | $154 | $571 |
| 50 | $151 | $515 |
| 55 | $153 | $470 |
| 65 | $160 | $517 |
| 80 | $162 | $529 |
Source: MoneyGeek, October 2026. The age table uses MoneyGeek’s age-specific profile, so its 40-year-old figure differs from the headline national average.
Full coverage falls steeply through the early 20s and is cheapest in the mid-50s. Riders under 25 pay the most because they crash more often: IIHS data shows a third of motorcyclists killed in 2024 were under 30.
Average cost by type of bike
| Bike | What to expect |
|---|---|
| Standard bikes under 500cc | Usually the cheapest to insure (MoneyGeek) |
| Cruisers and touring bikes | Moderate; touring bikes with expensive accessories cost more |
| Sport bikes | Most expensive. A 2021 Honda 1,000cc sport model averaged $347 a year for minimum and $3,948 for full coverage for a 40-year-old rider |
Sport bikes cost more because of their speed, crash rates, theft risk and repair costs. If you are choosing a first bike, getting insurance quotes for two or three models before buying can save thousands of dollars a year.
Average cost by company
ValuePenguin’s 2026 full-coverage averages ranged from $22 a month at Dairyland to $54 at Nationwide. The full table, plus the cheapest company in every state, is in our cheapest motorcycle insurance guide.
Why quote-based averages look higher
Insurify’s February 2026 figures ($81 a month for liability, $179 for full coverage) are several times MoneyGeek’s. The difference is method: MoneyGeek prices one standard rider and bike in every state, while Insurify reflects the quotes real shoppers receive, including young riders, big bikes and riders with violations. If your quote is closer to Insurify’s figure, your age, bike or record is probably the reason.
Other factors that move the price
- Engine size and value: bigger, faster and more expensive bikes cost more to insure.
- Where the bike is kept: a locked garage usually costs less than street parking, especially in cities with more theft.
- How you use it: commuting every day usually costs more than weekend riding.
- Multiple bikes: many insurers discount a second bike on the same policy.
- Credit-based insurance score: used in most states and can affect your price.
- Coverage choices: higher liability limits and lower deductibles cost more.
Seasonal riding: the real cost per month
If you only ride six months a year, a $364 full-coverage policy works out to about $61 per riding month (our arithmetic). Ask whether your insurer offers lay-up or seasonal options that reduce cover while the bike is stored, which can bring the yearly cost down without leaving the bike unprotected against theft or fire.
How to use these averages
- Start with your state, then adjust for your age band and bike type.
- If your quote is well above riders like you, compare at least three insurers, including Dairyland, Progressive and Harley-Davidson Insurance.
- Check whether you qualify for a safety-course, endorsement, bundling or lay-up discount. See ways to lower your premium.
Common questions
What is the average cost of motorcycle insurance?
About $364 a year for full coverage and $141 for minimum cover for a 40-year-old rider with a clean record, according to MoneyGeek’s October 2026 data.
Which state has the cheapest motorcycle insurance?
Montana had the lowest full-coverage average in MoneyGeek’s 2026 data at $170 a year, followed by Alaska ($200) and North Dakota ($222).
Why is sport bike insurance so expensive?
Sport bikes are faster, crash more often, are stolen more and cost more to repair. MoneyGeek’s 1,000cc sport bike example cost $3,948 a year for full coverage.
Does where I park my motorcycle affect insurance?
Yes. A bike kept in a locked garage usually costs less to insure than one parked on the street, especially in urban areas with more theft.
Sources
- MoneyGeek: Average cost of motorcycle insurance (Oct 2026)
- ValuePenguin: Cheap motorcycle insurance (Sept 2026)
- Insurify: Motorcycle insurance quotes (Feb 2026)
- IIHS: Fatality Facts 2024, motorcycles and ATVs (June 2026)
Prices, discounts and rules change often and vary by state and driver. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.