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What States Have the Highest & Lowest Motorcycle Insurance Rates?

NJ Motorcycle Accident Lawyer

The cost of motorcycle insurance varies significantly across the United States, with some states experiencing the highest rates while others enjoy lower premiums. The factors that influence these variations are complex but can be better understood when you consult an experienced legal firm.

For instance, states with higher rates of accidents and theft might have higher insurance premiums. Motorcyclists can benefit from understanding these factors and shopping around for the best rates to reduce their insurance costs. Comparing quotes from various insurers can help them find affordable motorcycle insurance that meets their specific needs and circumstances. However, it is best to speak with a professional who is on your side before signing an agreement with an insurance company.

Call Jerry Friedman today at 1-800-529-4464 to learn more about which motorcycle insurance plans would work best for you.

Which States Have the Highest Motorcycle Insurance Rates in the Country?

Motorcycle insurance is a critical aspect of owning and operating a motorcycle, offering financial protection against accidents, theft, and other unforeseen events. However, the cost of motorcycle insurance varies widely across the United States, influenced by factors such as state laws, weather conditions, theft rates, and the prevalence of uninsured drivers.

Understanding which states have the highest rates can help riders make informed decisions regarding their insurance purchases. While this information can be challenging to research, speaking with an experienced motorcycle accident lawyer can help lay any fears to rest regarding which option works best for you. The following states have the highest rates for motorcycle insurance in the country:

Washington D.C.

Motorcycle insurance rates can vary greatly depending on the location you are in. Among all the cities in the U.S., Washington D.C. has the highest average motorcycle insurance cost, which is around $2,180 per year.

The high rates in D.C. are caused by several factors, including the densely populated urban environment, which makes it more likely for accidents to occur, and the higher risk of theft. Because of these factors, it is important for motorcycle owners in D.C. to consider their insurance options and choose a policy that provides adequate coverage at an affordable price.


Motorcycle insurance costs in California are substantially higher compared to other states in the United States, with an average annual premium of $1,360. This premium is almost 94% higher than the national average, making it a significant expense for motorcycle riders in the state.

The high insurance rates in California can be attributed to several factors, including the state’s large size, heavy traffic in urban areas, and a high number of uninsured motorists. These factors increase the likelihood of accidents, making it essential for motorcycle riders to have adequate insurance coverage.


Louisiana is among the top states when it comes to high insurance premiums. The average insurance premium in the state can go up to $151 per month. The state’s vulnerability to natural disasters, particularly hurricanes, is one of the key factors leading to high insurance rates. Additionally, the state’s high litigation costs are also contributing to the increase in insurance prices.


Motorcycle insurance premiums in Michigan are influenced in a distinct way because of the state’s no-fault insurance system. All drivers, regardless of their mode of transportation, are required to have Personal Injury Protection (PIP) coverage, and this mandate has a significant impact on overall costs, including motorcycle insurance. This, coupled with other contributing factors, positions Michigan among the states with the most expensive motorcycle insurance rates.

North Carolina

North Carolina is recognized for its scenic beauty, with diverse geography ranging from mountainous regions to coastal areas. However, these varying landscapes and weather conditions make it a challenging state in terms of motorcycle insurance costs.

On average, motorcyclists in North Carolina are expected to pay an annual premium of $2,871, which is relatively high compared to other states. The higher insurance costs are attributed to the increased risk of accidents and damage because of the challenging terrains and changing weather conditions.

Which States Have the Lowest Motorcycle Insurance Rates in the Country?

Some states have very low insurance rates for reasons that will become clear. The following states have the lowest motorcycle insurance rates in the U.S.:


Wyoming offers one of the most cost-effective motorcycle insurance rates in the country. The state’s average annual premium rate is approximately $354, which is significantly lower than most other states in the U.S.

The reason behind this is the state’s unique features, including an abundance of open roads, a sparse population, and low traffic congestion, which collectively lead to a reduced risk of accidents. As a result, insurance providers can offer lower premiums to motorcyclists in Wyoming.

Additionally, the state’s easy-to-understand insurance requirements and highly competitive market play vital roles in keeping motorcyclists’ insurance rates affordable.

New Hampshire

When it comes to motorcycle insurance, New Hampshire closely follows Wyoming in terms of affordability. The average annual premium rate for motorcycle insurance in New Hampshire is just $352, making it one of the most cost-effective states in the U.S.

One of the unique features of New Hampshire’s motorcycle insurance laws is that they are non-mandatory for riders who meet certain criteria. This has contributed significantly to the state’s lower average premium rates.

However, despite the non-mandatory status, many riders still choose to opt for coverage. The state’s competitive insurance landscape allows them to find affordable rates, even with the added protection of motorcycle insurance.

Alaska, North Dakota, and Montana

Alaska, North Dakota, and Montana are three states that enjoy the privilege of having some of the lowest motorcycle insurance rates in the United States. One of the primary reasons behind this is their cold and snowy climates, which limit the riding season to just a few months each year. As a result, the number of motorcycles on the road is significantly lower, which reduces the risk of accidents and insurance claims.

Furthermore, these states’ relatively low population densities are also a significant factor in determining insurance premiums. With fewer people on the roads, the likelihood of traffic accidents and theft is much lower, which means that insurance companies can offer more affordable rates.

What Factors Influence Motorcycle Insurance Rates?

There are various factors that affect motorcycle insurance rates in different states. These factors include the weather conditions in the state, where states prone to severe weather like hurricanes or heavy snowfall often have higher insurance rates because of an increased risk of accidents and damage.

Additionally, the location of the insured motorcycle also plays a role in determining insurance rates. Urban areas with dense traffic and high theft rates generally have higher insurance premiums compared to rural areas. Finally, the number of uninsured motorists in a state is another factor that affects insurance costs, as insurers take into account the risk of accidents involving uninsured parties.

Our New Jersey Motorcycle Accident Lawyer Can Help

For more information about motorcycle insurance rates, call Jerry Friedman today at 1-800-529-4464.

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