Are Motorcycles More Expensive to Insure Than Cars?

As a motorcycle enthusiast myself, I have been through the process of obtaining my M class certificate with the DMV and talking to an insurance agent about the minimum policy requirements for riding and owning a motorcycle. The steps are easy starting with finding the bike that suits your personality to passing the DMV written exam.rnSide stepping a bit here to mention, completing the motorcycle skills test at the DMV in California is close to impossible. After failing it at my DMV appointment, the instructor recommended I take a two hundred fifty dollar motorcycle training course which, upon completion, provides for you the proper DMV certification for the skills portion of your M class rating. I highly recommend taking that route instead of embarrassing yourself at the DMV.rnNow, it's on to insurance. As far as insurance goes, the minimum requirements for insurance are the same as other vehicles in your state. So we will be talking comparatively as if the amounts of coverage for the motorcycle were the same as the amounts of coverage for the car.rnNot to frighten you from owning and riding a motorcycle, but insurance companies are morbidly realistic about motorcycle riding, so you should be too. The brutal truth of the matter is this: if you are involved in a collision on a motorcycle, your likelihood of serious injury or death is exponentially greater than if you were in a car. And most of the time, you're the only occupant on board. So there's some interesting personal injury information for you to chew on.rnAnd then there's what the statistics say about repairing damaged property. Let's consider the sheer physics. Motorcycles weigh 5 to 10 times less than the average car, truck or SUV. Where the motorcycle is often totaled out in the crash, the car will usually take minor to moderate damage. So as far as property damage goes, motorcycles do less damage to property because of the reduced mass.rnDue to these facts stated above, the cost of all expenses to the insurance company from a motorcycle accident are on average much less than that of a car accident. And the insurance companies extend those statistical realities to you in the form of reduced premiums compared to your average automobile.rnNow some motorcycles are more expensive to insure than others based on high risk categories such as model, year, location of use and miles driven. So check with your insurance agent before you get started on the road to motorcycle ownership. Insurance Reference Resources | Auto Insurance Quotes