Love the Ride, Hate the High Costs? Let’s Fix That!
Motorcycle insurance discounts can save you hundreds of dollars a year, but most riders don’t take full advantage of them. If you’re gearing up for spring riding, don’t let overpriced insurance keep you off the road. Whether you’re a weekend cruiser, a daily commuter, or a seasonal rider, there are huge motorcycle insurance savings waiting for you.
According to Business Insider, the average cost of motorcycle insurance in the U.S. is $108 per month or $1,296 per year! But why pay more than you have to? With the right policy and available discounts, you could significantly cut those costs.
The Top 7 Motorcycle Insurance Discounts That Can Save You Hundreds
1. Safe Rider Discounts: Ride Smart, Pay Less
If you have a clean riding record, insurers can reward you with motorcycle insurance savings as a way of saying thank you for reduced claim payouts. Some of these companies offer the best motorcycle insurance discounts for safe riders after just three accident-free years. Plus, taking a motorcycle safety course discount can lower your rate even more, even if you’re an experienced rider!
2. Bundle & Save: The Power of Multi-Policy Discounts
Insurers love customers who consolidate their coverage, that’s why bundling your home and auto insurance policies are a smart idea. It can cut costs instantly,
Want to cut your costs instantly? How bundling home and motorcycle insurance saves money is simple: insurers love customers who consolidate their coverage.
If you own a home, car, or even an RV, bundling with one provider can unlock huge motorcycle insurance deals.
3. Low Mileage? Get a Discount!
If you’re a weekend rider or limited seasonal rider, you might be paying for miles you don’t ride! Many insurers offer motorcycle insurance savings for low-mileage riders, meaning the less you ride, the less you pay. It’s important to let your insurer know if you only ride in spring and summer. The cheapest motorcycle insurance for seasonal riders comes from policies tailored to part-time use, only.
4. Lock It Up: Anti-Theft & Garaging Discounts
Insurers know motorcycles are a top target for theft. That’s why you can score big motorcycle insurance discounts just by securing your ride.
Install the best anti-theft devices for motorcycle insurance discounts, such as:
- GPS trackers.
- Disc-lock alarms.
- Heavy-duty chains.
Doin so can help lower your rate and protect your bike. Plus, parking your bike in a locked garage can help you get even more motorcycle insurance savings.
5. Motorcycle Safety Course Discount: Easy Savings
Whether you’re a new or experienced rider, taking a state-approved motorcycle safety course is an easy way to save on motorcycle insurance! Many insurers reward riders who complete a certified class, making this one of the simplest motorcycle insurance savings tips you can take advantage of.
6. Loyalty vs. Switching Discounts: What’s Better?
Did you know some insurance companies offer loyalty discounts if you stay insured with them for a few years? If you can’t claim a loyalty discount, others reward new customers with motorcycle insurance deals based on experience, safety features, or for completing motorcycle safety courses.
If you’re not sure which company to choose the best motorcycle insurance discounts from, you can reach out to an independent insurance agent to compare policies from multiple insurers. That way, you can be sure whether you should stick with your current provider or switch to a new one. This will help you take full advantage of the motorcycle insurance discounts you have available, even if you’re unaware of them!
7. Membership Perks: AMA & More
If you’re part of a motorcycle club, you might qualify for exclusive discounts. The AMA motorcycle insurance discount benefits are available to American Motorcyclist Association members, plus groups like HOG (Harley Owners Group) and BMW MOA (Motorcycle Owners of America) may offer you motorcycle insurance discounts, too.
Extra Hacks: How to Lower Motorcycle Insurance Rates in 2025
Beyond discounts, here are some insider savings tricks you should definitely consider:
- Raise Your Deductible – Higher deductibles = lower premiums.
- Choose a Bike That’s Cheaper to Insure – Sportbikes cost more than cruisers.
- Ask About Hidden Discounts – Many riders don’t know they exist!
- Review Your Policy Annually – Riding less? Your premium should reflect that.
Biggest Mistakes That Cost Riders More on Insurance
Even savvy riders can make costly mistakes when buying insurance. Here’s what to avoid when shopping for the best motorcycle insurance savings options:
- Not shopping around – Every insurer offers different motorcycle insurance quotes.
- Over-insuring an older bike – If your motorcycle isn’t worth much, full coverage may not always be necessary.
- Forgetting to update your policy – If you ride less than last year, your rate should drop.
- Ignoring independent agents – How do independent insurance agents find the best motorcycle rates? They can compare multiple providers with just a few clicks to get you the best deal.
How We Help Riders Save More on Motorcycle Insurance
At YourPolicy, we do the hard work for you. Unlike captive agents, we:
✔ Shop multiple insurance companies to get you the best insurance for motorcycles.
✔ Find exclusive motorcycle insurance deals that riders often miss.
✔ Give personalized advice so you get coverage that fits your ride and budget.
Ready to Get the Best Motorcycle Insurance Discounts? Let’s Ride!
Get the coverage you need at a price you love with a free motorcycle insurance quote today! Call us at 512-265-5275 or fill out an online contact form.
Ride safe, ride smart, and keep more money in your pocket! We look forward to serving you.
Motorcycle Insurance Discounts FAQ: How to Save More in 2025-2026
What are the best motorcycle insurance discounts in 2025?
The best motorcycle insurance discounts in 2025 include:
- Safe Rider Discount – Earned after a certain number of accident-free years
- Multi-Policy Discount – Save by bundling motorcycle and home or auto insurance
- Motorcycle Safety Course Discount – Lower rates after completing a certified course
- Low-Mileage Discount – If you ride fewer miles, you pay less
- Anti-Theft Discount – Using security devices like GPS trackers reduces your premium
To save on motorcycle insurance, ask your provider about hidden discounts and compare motorcycle insurance quotes from multiple insurers.
How can I lower my motorcycle insurance rates in 2025?
To lower motorcycle insurance rates in 2025, follow these steps:
- Raise your deductible – A higher deductible lowers your monthly premium.
- Choose an affordable motorcycle – Cruisers and touring bikes are cheaper to insure than sportbikes.
- Take a motorcycle safety course – Many insurers offer a motorcycle safety course discount.
- Bundle insurance policies – How bundling home and motorcycle insurance saves money is through multi-policy discounts.
- Install anti-theft devices – The best anti-theft devices for motorcycle insurance discounts include GPS trackers and disc-lock alarms.
What is the cheapest motorcycle insurance for seasonal riders?
The cheapest motorcycle insurance for seasonal riders includes:
- Lay-up policies – Reduce coverage during off-seasons when your bike is stored.
- Low-mileage discounts – If you only ride in spring or summer, your premium should reflect that.
- Usage-based policies – Some insurers adjust rates based on actual riding habits.
To get the best motorcycle insurance discounts, compare motorcycle insurance quotes and explore options from independent insurance agents who can find the cheapest motorcycle insurance for seasonal riders.
How does bundling home and motorcycle insurance save money?
Bundling home and motorcycle insurance reduces your total premium because insurers offer multi-policy discounts—typically saving 10% to 25% on both policies. It also simplifies coverage under one provider, making it easier to manage payments and claims.
What are the AMA motorcycle insurance discount benefits?
The AMA motorcycle insurance discount benefits include:
- Exclusive lower rates for American Motorcyclist Association members
- Trip interruption coverage for breakdowns during long rides
- Roadside assistance and towing reimbursement
- Additional coverage options for motorcycle gear and accessories
Many insurers offer motorcycle insurance deals for AMA members, so check if your provider participates.
What are the best anti-theft devices for motorcycle insurance discounts?
The best anti-theft devices for motorcycle insurance discounts include:
- GPS trackers – LoJack and Monimoto help recover stolen bikes faster.
- Disc-lock alarms – Alerts you and deters theft attempts.
- Heavy-duty chains and U-locks – Makes stealing your bike much harder.
- Garage security systems – Storing your motorcycle in a secure location lowers insurance costs.
Installing these anti-theft measures can qualify you for motorcycle insurance savings tips and lower your premium significantly.
