Motorcycle Insurance Discounts Guide 2025

Many insurance companies offer motorcycle insurance discounts as a way to help you reduce your monthly or annual coverage premiums. The current national average cost of motorcycle insurance is $399 per year or $33 per month, but various discounts can help you reduce your rates. However, depending on your age, location, driving record, and other factors, your specific policy's cost may vary.

Most states require minimum coverage motorcycle insurance, except Florida, which does not require motorcycle insurance. That's why it's helpful to be aware of safe rider discounts and other available options to help reduce your costs. 

An independent insurance agent can help you find all the motorcycle insurance discounts you're eligible for. Not only will they help get you matched to the right coverage, but they'll also make sure all the discounts you earn are applied so you save as much money as possible. But first, here's a guide to many common motorcycle insurance discounts. 

Types of Motorcycle Insurance Discounts

The available motorcycle insurance discounts depend on which motorcycle insurance company you go through. The types of motorcycle insurance discounts offered vary by carrier. 

Here are some of the most common motorcycle insurance discounts:

• Rider safety discounts
• Policy discounts
• Association and membership discounts

Rider Safety Motorcycle Insurance Discounts

You can find rider safety motorcycle insurance discounts from many different carriers. These discounts are offered to riders who complete approved motorcycle safety courses. 

Taking these courses can reduce a rider's chances of getting involved in an accident or facing other traffic violations, so many insurance companies reward this reduced risk. While these discounts may not be offered by all carriers, you might be able to earn a discount of up to 10% or 15% on your premiums.

Motorcycle insurance companies that offer safe rider discounts

Motorcycle safety course discount

You can earn a discount of up to 10% or 15% if you complete an approved motorcycle safety course in your area. You can find these discounts from many different carriers that offer motorcycle insurance.

Motorcycle safety courses teach riders how to apply safe maneuvers in all kinds of traffic conditions and weather. After completing these courses, riders have a reduced risk of getting into collisions. Be sure to ask your motorcycle insurance company about motorcycle safety course discounts.

Accident-free and good rider motorcycle insurance discounts

You can often earn up to a 10% discount on motorcycle insurance if you've remained accident-free for a specified period of time. While this amount of time varies by insurance company, Allstate offers this discount to policyholders who have remained free from at-fault accidents and other major violations for at least 60 months, while Progressive's is for at least three years.

The name of these discounts varies by carrier and can range from "good rider" to "safe rider" or "responsible driver." The specific percentage of discount for motorcycle insurance you earn for remaining accident-free varies by insurer. 

Policy-Related Motorcycle Insurance Discounts

You might be able to earn motorcycle insurance discounts just based on the type of policy you have or if you have other policies through the same carrier. Your independent insurance agent can help you find out if you qualify for any of these discounts, or you can ask your carrier directly.

Some of the most common motorcycle insurance policy-related discounts are for bundling your coverage. This type of discount applies if you have more than one type of coverage through the same carrier, such as motorcycle insurance and auto insurance, or home insurance. You can often earn savings ranging between 3% and 25% if you qualify for a bundling discount.

Motorcycle insurance companies that offer policy-related discounts

Bundling, multi-policy, and multi-bike motorcycle insurance discounts

If you have more than one type of coverage through the same insurance company, you could qualify for a bundling discount or multi-policy discount. Often, you can earn savings that range from 5% to 25% with bundling discounts. Customers who have motorcycle insurance and another policy, such as auto or home insurance, through the same carrier can earn these savings when offered. 

Many motorcycle insurance companies also offer savings to customers who insure more than one motorcycle on the same policy. The percentage of savings you can get from a multi-bike or multi-cycle discount varies depending on the insurer. 

Policy transfer and advance quote motorcycle insurance discounts

Many motorcycle insurance companies offer discounts to customers who switch over from another carrier. The percentage of savings offered varies by insurer.

Advance quote discounts are available from many motorcycle insurance companies for customers who request a quote for a policy at least a day or a week in advance of signing up for coverage. The term length and percentage of discount offered vary by insurer. 

Paid-in-full and other payment-related motorcycle insurance discounts

Most motorcycle insurance companies offer generous discounts to customers who pay their entire annual premium upfront in one payment. These discounts are offered as an incentive for saving the insurance company time and paperwork that comes with receiving and processing monthly payments. You can often expect savings of between 5% and 10% if you earn a paid-in-full discount.

There are often other types of payment discounts available. Your motorcycle insurance company may also offer discounts for customers who always pay their premiums on time or those who sign up for electronic billing statements. Often, these are all separate discounts that can all be applied to one policy, helping you save even more money on your coverage. Be sure to ask your independent insurance agent about all the payment-related discount options available. 

Association and Membership Motorcycle Insurance Discounts

You can also find motorcycle insurance discounts offered by many carriers just for belonging to a certain association. These are categorized as association or membership discounts, and the percentage of savings varies by insurer. 

The types of associations and memberships that qualify for savings vary by insurer, too. Be sure to ask your independent insurance agent or motorcycle insurance company what kinds of association and membership discounts are available.

Motorcycle insurance companies that offer association and membership discounts

How Hard Is It to Get Motorcycle Insurance Discounts?

Getting motorcycle insurance discounts is generally easy, especially if you have a clean record, bundle your coverage, or belong to a certain organization. 

Some proactive things you can do to qualify for motorcycle insurance discounts include:

• Insure more than one motorcycle
• Maintain a clean driving record
• Take a motorcycle safety course
• Shop multiple carriers

Aside from the actions you can take, an independent insurance agent can learn about you and your motorcycle history and help you find even more savings.

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How Do I Get Motorcycle Insurance Discounts?

Chances are you’ll get a few motorcycle insurance discounts automatically, whether you ask for them or not. Many of these discounts aren’t explicitly spelled out in your policy and are based on things you can’t always control, like your location or marital status. 

But for discounts that aren't automatically applied, you can simply ask your insurance company about what options are available. Your independent insurance agent can also do this for you.

Does My Motorcycle Affect My Motorcycle Insurance Discounts?

Yes, the type of motorcycle you have does impact your eligibility for motorcycle insurance discounts, as well as your premium rates for your policy. These factors can influence the cost of your motorcycle insurance coverage and whether or not you're eligible for savings via discounts:

• Motorcycle make and model
• Your driving history
• Your credit score
• How often you use your motorcycle
• Your age and location
• Your marital status

You can still qualify for more motorcycle insurance discounts over time. Keep your independent insurance agent updated on major life events, such as buying a home or getting married, in order to stay up to date with all the possible discounts you can earn.

An Independent Insurance Agent Can Help You Find the Best Motorcycle Insurance

Now that you know how motorcycle insurance discounts work, there's no need to do the hard work yourself. Our independent insurance agents stay on top of the industry and all the latest discounts, so you don’t have to. They'll shop and compare quotes from multiple motorcycle insurance companies for you and provide you with only the results that offer the best blend of coverage and cost.