🛡️ Motorcycle Insurance Cost Comparison
Real-world premiums. Rider-first clarity. Global insight for smarter decisions.
This isn’t a sales pitch. It’s a rider-first breakdown of typical annual premiums across the United States, Canada, UK, Europe, Australia, China, Japan, and India. We’ve mapped out age brackets, bike categories, and real-world estimates — from supersports to dual-sports, cruisers to commuters. You’ll see how rates shift with experience, engine size, and geography. You’ll also find the “Top 5 Most Expensive Bikes to Insure” in each region, so you can spot the red flags before you commit.
Insurance costs aren’t just about horsepower — they’re about accident history, theft risk, usage type, and even local laws. A 250cc in Delhi isn’t priced like a 250cc in Toronto. A touring bike in Tokyo carries different assumptions than one in Texas. This guide helps you decode those differences, so you can budget wisely and ride confidently.
Use this page to compare, plan, and prepare. Whether you’re buying your first bike or upgrading to something bigger, understanding your insurance profile is part of riding smart. Pair this with our beginner checklist, quiz module, and 200-bike comparison chart — and you’ve got a complete toolkit for choosing a bike that fits your body, your budget, and your journey.
Because at Total Motorcycle, we don’t just help you ride — we help you ride informed.
🇺🇸 United States: Motorcycle Insurance Cost Comparison
Estimates based on 2025 data for liability + comprehensive coverage. Rates vary by state, record, and usage.
| Rider Age | Bike Class | Typical Annual Premium | Notes |
|---|---|---|---|
| 16–19 | Supersport (e.g. R3, Ninja 400) | $2,200–$4,000 | High-risk youth bracket, often denied full coverage |
| 16–19 | Dual-Sport (e.g. XT250) | $1,200–$2,000 | Lower theft risk, rural-friendly rates |
| 20–24 | Sportbike (e.g. CBR500R) | $1,500–$3,000 | Still high-risk, especially in urban areas |
| 20–24 | Cruiser (e.g. Rebel 500) | $1,000–$1,800 | Lower premiums for smaller engines |
| 25–29 | Naked / Standard (e.g. MT-07) | $800–$1,500 | Moderate risk, popular commuter class |
| 25–29 | Adventure (e.g. Versys 650) | $900–$1,600 | Often bundled with auto/home |
| 30–39 | Cruiser (e.g. Vulcan S) | $700–$1,300 | Lower accident rates, multi-bike discounts |
| 30–39 | Touring (e.g. NC750X) | $800–$1,400 | Good for long-distance riders |
| 40–49 | Adventure (e.g. V-Strom 650) | $700–$1,200 | Often used for commuting, moderate risk |
| 40–49 | Dual-Sport (e.g. DR650) | $600–$1,100 | Lower mileage, safer profile |
| 50–59 | Touring (e.g. Gold Wing) | $600–$1,000 | Bundled policies reduce cost |
| 50–59 | Cruiser (e.g. Heritage Classic) | $650–$1,100 | Low accident rates, high reliability |
| 60+ | Adventure (e.g. BMW GS) | $550–$950 | Experienced riders, low mileage |
| 60+ | Dual-Sport (e.g. KLX300) | $500–$900 | Rural-friendly, low theft risk |
💸 Top 5 Most Expensive Bikes to Insure (USA)
| Model | Estimated Annual Premium | Reason |
|---|---|---|
| Kawasaki Ninja H2R | $4,000+ | Track-only, exotic parts, extreme horsepower |
| Ducati Panigale V4 R | $3,500+ | High theft risk, racing pedigree |
| Yamaha R1M | $3,000+ | Supersport with advanced electronics |
| BMW S1000RR | $2,800+ | Premium parts, aggressive styling |
| Harley-Davidson CVO Road Glide ST | $2,500+ | Custom build, high replacement cost |
🇨🇦 Canada: Motorcycle Insurance Cost Comparison
Estimates based on 2025 data for liability + comprehensive coverage. Rates vary by province, record, and usage.
| Rider Age | Bike Class | Typical Annual Premium | Notes |
|---|---|---|---|
| 16–19 | Supersport (e.g. R3, Ninja 400) | $2,500–$4,200 | High-risk youth bracket, especially in Ontario |
| 16–19 | Dual-Sport (e.g. CRF250L) | $1,400–$2,200 | Lower theft risk, rural-friendly rates |
| 20–24 | Sportbike (e.g. CBR500R) | $1,800–$3,200 | Still high-risk, especially in BC and Quebec |
| 20–24 | Cruiser (e.g. Rebel 500) | $1,200–$2,000 | Lower premiums for smaller engines |
| 25–29 | Standard (e.g. CB500F) | $900–$1,600 | Alberta and Manitoba offer lower rates |
| 25–29 | Adventure (e.g. Versys 650) | $1,000–$1,800 | Good for commuting, moderate risk |
| 30–39 | Cruiser (e.g. Vulcan S) | $800–$1,400 | Multi-bike and safety course discounts |
| 30–39 | Touring (e.g. NC750X) | $900–$1,500 | Often bundled with auto/home |
| 40–49 | Adventure (e.g. Tenere 700) | $800–$1,300 | Moderate premiums, good reliability |
| 40–49 | Dual-Sport (e.g. DR650SE) | $700–$1,200 | Lower mileage, safer profile |
| 50–59 | Touring (e.g. BMW R1250RT) | $700–$1,100 | Low mileage riders qualify for reduced rates |
| 50–59 | Cruiser (e.g. Heritage Classic) | $750–$1,200 | Low accident rates, high reliability |
| 60+ | Adventure (e.g. Africa Twin) | $650–$1,000 | Experienced riders, low mileage |
| 60+ | Dual-Sport (e.g. KLX300) | $600–$950 | Rural-friendly, low theft risk |
💸 Top 5 Most Expensive Bikes to Insure (Canada)
| Model | Estimated Annual Premium | Reason |
|---|---|---|
| Suzuki Hayabusa | $3,000+ | High speed, high theft risk |
| Yamaha R1 | $2,800+ | Supersport, aggressive styling |
| BMW S1000RR | $2,500+ | Premium parts, performance profile |
| Kawasaki ZX-10RR | $2,400+ | Track-ready, high accident profile |
| Ducati Streetfighter V4 | $2,300+ | Naked supersport, expensive repairs |
🇬🇧 United Kingdom: Motorcycle Insurance Cost Comparison
Estimates based on 2025 data for third-party + comprehensive coverage. Rates vary by postcode, license type, and declared usage.
| Rider Age | Bike Class | Typical Annual Premium | Notes |
|---|---|---|---|
| 17–20 | Supersport (e.g. R3, RS 125) | £1,800–£3,500 | High-risk youth bracket, often restricted to A1 license |
| 17–20 | Commuter / 125cc (e.g. CB125F) | £900–£1,600 | Lower premiums with CBT and telematics |
| 21–25 | Sportbike (e.g. Ninja 650) | £1,200–£2,500 | Still high-risk, especially in urban postcodes |
| 21–25 | Standard (e.g. MT-07) | £1,000–£1,800 | Moderate risk, popular for A2 license holders |
| 26–34 | Cruiser (e.g. CMX500 Rebel) | £700–£1,400 | Lower accident rates, good for weekend riders |
| 26–34 | Adventure (e.g. V-Strom 650) | £800–£1,500 | Often used for commuting, moderate risk |
| 35–44 | Touring (e.g. Tracer 9 GT) | £700–£1,300 | Bundled policies reduce cost |
| 35–44 | Dual-Sport (e.g. CRF300L) | £600–£1,100 | Lower mileage, safer profile |
| 45–54 | Adventure (e.g. Tiger 900) | £650–£1,200 | Experienced riders, low claims history |
| 45–54 | Cruiser (e.g. Bonneville Bobber) | £700–£1,300 | Classic styling, moderate premiums |
| 55–64 | Touring (e.g. BMW R1250RT) | £600–£1,100 | Low mileage, bundled discounts |
| 55–64 | Dual-Sport (e.g. KLX300) | £550–£950 | Rural-friendly, low theft risk |
| 65+ | Adventure (e.g. Africa Twin) | £500–£900 | Low mileage, high experience |
| 65+ | Commuter / 125cc (e.g. CB125F) | £450–£850 | Often used for short trips, low risk |
💸 Top 5 Most Expensive Bikes to Insure (UK)
| Model | Estimated Annual Premium | Reason |
|---|---|---|
| Ducati Panigale V4 | £2,800+ | High theft risk, racing pedigree |
| Yamaha R1 | £2,500+ | Supersport, aggressive styling |
| BMW S1000RR | £2,300+ | Premium parts, performance profile |
| Aprilia RSV4 Factory | £2,200+ | Track-ready, expensive repairs |
| Harley-Davidson CVO Street Glide | £2,000+ | Custom build, high replacement cost |
🇪🇺 Europe: Motorcycle Insurance Cost Comparison
Estimates based on 2025 data for full coverage across Germany, France, Italy, Spain, and the Netherlands. Rates vary by country, license tier, and urban vs rural location.
| Rider Age | Bike Class | Typical Annual Premium | Notes |
|---|---|---|---|
| 18–20 | 125cc Commuter (e.g. YBR125) | €600–€1,200 | Entry-level tier, often used for A1 license |
| 18–20 | Supersport (e.g. R3) | €1,200–€2,500 | High-risk youth bracket, urban premiums spike |
| 21–25 | Sportbike (e.g. Ninja 650) | €900–€1,800 | Moderate risk, popular for A2 license holders |
| 21–25 | Dual-Sport (e.g. CRF300L) | €800–€1,500 | Lower theft risk, rural-friendly rates |
| 26–34 | Standard (e.g. MT-07) | €700–€1,400 | Commuter-friendly, moderate premiums |
| 26–34 | Adventure (e.g. V-Strom 650) | €800–€1,500 | Often used for touring and commuting |
| 35–44 | Cruiser (e.g. Vulcan S) | €600–€1,200 | Lower accident rates, multi-bike discounts |
| 35–44 | Touring (e.g. Tracer 9 GT) | €700–€1,300 | Bundled policies reduce cost |
| 45–54 | Adventure (e.g. Tiger 900) | €650–€1,200 | Experienced riders, low claims history |
| 45–54 | Dual-Sport (e.g. DR650SE) | €600–€1,100 | Rural-friendly, low theft risk |
| 55–64 | Touring (e.g. BMW R1250RT) | €600–€1,000 | Low mileage, bundled discounts |
| 55–64 | Cruiser (e.g. Bonneville Bobber) | €650–€1,100 | Classic styling, moderate premiums |
| 65+ | Adventure (e.g. Africa Twin) | €550–€950 | Low mileage, high experience |
| 65+ | Commuter / 125cc (e.g. CB125F) | €500–€850 | Often used for short trips, low risk |
💸 Top 5 Most Expensive Bikes to Insure (Europe)
| Model | Estimated Annual Premium | Reason |
|---|---|---|
| Ducati Panigale V4 | €2,800+ | High theft risk, racing pedigree |
| BMW S1000RR | €2,500+ | Premium parts, performance profile |
| Aprilia RSV4 Factory | €2,400+ | Track-ready, expensive repairs |
| Yamaha R1M | €2,300+ | Supersport with advanced electronics |
| Harley-Davidson CVO Street Glide | €2,000+ | Custom build, high replacement cost |
🇦🇺 Australia: Motorcycle Insurance Cost Comparison
Estimates based on 2025 data for comprehensive coverage across NSW, VIC, QLD, WA, and SA. Rates vary by state, license tier, and urban vs rural location.
| Rider Age | Bike Class | Typical Annual Premium | Notes |
|---|---|---|---|
| 18–20 | LAMS Sportbike (e.g. Ninja 400) | $1,800–$3,200 AUD | High-risk youth bracket, LAMS restrictions apply |
| 18–20 | Commuter / 250cc (e.g. CB250) | $1,200–$2,000 AUD | Lower premiums with safe postcode |
| 21–25 | Standard (e.g. MT-07) | $1,000–$1,800 AUD | Popular for LAMS graduates |
| 21–25 | Dual-Sport (e.g. DR-Z400) | $900–$1,600 AUD | Lower theft risk, rural-friendly rates |
| 26–34 | Cruiser (e.g. Vulcan S) | $800–$1,400 AUD | Weekend riders, moderate premiums |
| 26–34 | Adventure (e.g. V-Strom 650) | $900–$1,500 AUD | Often used for touring and commuting |
| 35–44 | Touring (e.g. Tracer 9 GT) | $800–$1,300 AUD | Bundled policies reduce cost |
| 35–44 | Dual-Sport (e.g. CRF300L) | $700–$1,200 AUD | Lower mileage, safer profile |
| 45–54 | Adventure (e.g. Tiger 900) | $750–$1,300 AUD | Experienced riders, low claims history |
| 45–54 | Cruiser (e.g. Bonneville Bobber) | $800–$1,400 AUD | Classic styling, moderate premiums |
| 55–64 | Touring (e.g. BMW R1250RT) | $700–$1,200 AUD | Low mileage, bundled discounts |
| 55–64 | Dual-Sport (e.g. KLX300) | $650–$1,100 AUD | Rural-friendly, low theft risk |
| 65+ | Adventure (e.g. Africa Twin) | $600–$1,000 AUD | Low mileage, high experience |
| 65+ | Commuter / 250cc (e.g. CB250) | $550–$950 AUD | Often used for short trips, low risk |
💸 Top 5 Most Expensive Bikes to Insure (Australia)
| Model | Estimated Annual Premium | Reason |
|---|---|---|
| Ducati Panigale V4 | $3,000+ AUD | High theft risk, racing pedigree |
| Yamaha R1 | $2,800+ AUD | Supersport, aggressive styling |
| BMW S1000RR | $2,500+ AUD | Premium parts, performance profile |
| Kawasaki ZX-10RR | $2,400+ AUD | Track-ready, high accident profile |
| Harley-Davidson CVO Road Glide | $2,200+ AUD | Custom build, high replacement cost |
🇨🇳 China: Motorcycle Insurance Cost Comparison
Estimates based on 2025 data for Tier 1 cities (Beijing, Shanghai, Shenzhen) and provincial averages. Rates vary by license type, displacement limits, and urban restrictions.
| Rider Age | Bike Class | Typical Annual Premium | Notes |
|---|---|---|---|
| 18–25 | 150cc Commuter (e.g. Haojue TR150) | ¥1,200–¥2,000 | Popular for urban mobility, low theft risk |
| 18–25 | Sportbike (e.g. CFMoto 300SR) | ¥2,000–¥3,500 | Higher premiums in Tier 1 cities |
| 26–35 | Standard (e.g. Benelli 502C) | ¥1,500–¥2,800 | Mid-size bikes favored for touring |
| 36–50 | Adventure (e.g. Voge 650DS) | ¥1,800–¥3,000 | Used for long-distance travel, moderate risk |
| 51+ | Cruiser (e.g. QJMotor 250) | ¥1,200–¥2,200 | Lower mileage, safer profile |
💸 Top 5 Most Expensive Bikes to Insure (China)
| Model | Estimated Annual Premium | Reason |
|---|---|---|
| BMW S1000RR | ¥4,000+ | Imported, high-performance, urban restrictions |
| Ducati Panigale V4 | ¥3,800+ | Luxury tax, high theft risk |
| Harley-Davidson Road King | ¥3,500+ | Large displacement, premium parts |
| CFMoto 800MT | ¥3,200+ | Adventure touring, high repair cost |
| Benelli TNT600 | ¥3,000+ | Popular among young riders, accident profile |
🇯🇵 Japan: Motorcycle Insurance Cost Comparison
Estimates based on 2025 data for Tokyo, Osaka, and national averages. Rates vary by license tier (Gentsuki, Ordinary, Large), displacement, and usage type.
| Rider Age | Bike Class | Typical Annual Premium | Notes |
|---|---|---|---|
| 16–20 | 50cc Scooter (e.g. Honda Giorno) | ¥8,000–¥15,000 | Gentsuki license, lowest tier |
| 21–30 | 250cc Sportbike (e.g. Ninja 250) | ¥25,000–¥45,000 | Ordinary license, moderate risk |
| 31–45 | Standard (e.g. CB400 Super Four) | ¥30,000–¥55,000 | Popular commuter and weekend bike |
| 46–60 | Touring (e.g. Yamaha FJR1300) | ¥35,000–¥60,000 | Low mileage, bundled discounts |
| 61+ | Adventure (e.g. Africa Twin) | ¥30,000–¥50,000 | Experienced riders, low claims |
💸 Top 5 Most Expensive Bikes to Insure (Japan)
| Model | Estimated Annual Premium | Reason |
|---|---|---|
| Ducati Panigale V4 | ¥80,000+ | Imported, high theft risk |
| BMW S1000RR | ¥75,000+ | Luxury tax, performance profile |
| Yamaha R1 | ¥70,000+ | Supersport, aggressive styling |
| Harley-Davidson CVO | ¥65,000+ | Large displacement, premium parts |
| Kawasaki ZX-10RR | ¥60,000+ | Track-ready, high accident profile |
🇮🇳 India: Motorcycle Insurance Cost Comparison
Estimates based on 2025 data for Tier 1 cities (Delhi, Mumbai, Bengaluru) and national averages. Rates vary by engine size, usage type, and third-party vs comprehensive coverage.
| Rider Age | Bike Class | Typical Annual Premium | Notes |
|---|---|---|---|
| 18–25 | Commuter (e.g. Hero Splendor) | ₹1,200–₹2,000 | Low displacement, high volume |
| 18–25 | Sportbike (e.g. KTM RC 200) | ₹3,000–₹5,500 | High theft risk, urban premiums spike |
| 26–35 | Standard (e.g. Yamaha FZ-S) | ₹2,500–₹4,000 | Popular for city and highway use |
| 26–35 | Adventure (e.g. Himalayan 450) | ₹3,000–₹4,800 | Used for touring, moderate risk |
| 36–50 | Cruiser (e.g. Royal Enfield Meteor) | ₹2,800–₹4,500 | Moderate premiums, good reliability |
| 36–50 | Dual-Sport (e.g. Xpulse 200) | ₹2,200–₹3,800 | Rural-friendly, low theft risk |
| 51+ | Touring (e.g. Honda CB500X) | ₹2,500–₹4,200 | Low mileage, bundled discounts |
| 51+ | Commuter (e.g. TVS Radeon) | ₹1,000–₹1,800 | Short-distance use, low claims |
💸 Top 5 Most Expensive Bikes to Insure (India)
| Model | Estimated Annual Premium | Reason |
|---|---|---|
| Kawasaki Ninja ZX-10R | ₹12,000+ | High-performance, imported, theft-prone |
| Ducati Panigale V4 | ₹11,000+ | Luxury tax, racing pedigree |
| BMW S1000RR | ₹10,000+ | Premium parts, high accident profile |
| Harley-Davidson Fat Boy | ₹9,000+ | Large displacement, expensive repairs |
| Triumph Speed Triple 1200 RS | ₹8,500+ | Imported, aggressive styling |
🧭 What to Do With This Info
Compare wisely. Budget smart. Ride with confidence.
If you’re a new rider, don’t let high premiums scare you off. Many of the most expensive bikes to insure are also the least beginner-friendly. Stick with something manageable, insurable, and confidence-building — and you’ll save money while gaining experience. If you’re upgrading, use this guide to weigh the trade-offs between performance and practicality. Sometimes the best bike isn’t the fastest — it’s the one that fits your life.
Pair this page with our Beginner Fit & Confidence Checklist, 200-bike comparison chart, and printable quiz module. Together, they form a complete toolkit for choosing a motorcycle that fits your body, your budget, and your journey. Because at Total Motorcycle, we don’t just help you ride — we help you ride informed, insured, and inspired.
Ride smart. Ride proud. And when in doubt, come back to the numbers.
Posted on September 26, 2025 by Michael Le Pard
