BMW Motorcycle Insurance Rates

BMW is considered a luxury motorcycle manufacturer with a lineup of both street and dirt bikes that are not only well-built but are often on the cutting edge of technology. A BMW motorbike can be a major investment, so making sure your bike is properly protected with insurance can offer critical financial reimbursement if it gets damaged, destroyed, or stolen. But depending on the model of BMW motorcycle you have, the cost of your coverage can range from $100 to $612 monthly.

Luckily, an independent insurance agent can help you find the right kind of BMW motorcycle insurance for you. They'll help you get matched to the most affordable policy for your unique bike. But first, here's an overview of some average BMW motorcycle insurance rates by model.

Average Monthly Rates for BMW Motorcycle Insurance by Model

We compared average motorcycle insurance rates for some of the most popular models of BMW motorcycles. Find your BMW motorcycle and its average insurance rate below.

Methodology

To find the average monthly cost of BMW motorcycle insurance by model, we searched for insurance quotes based on a motorcycle owner with good credit, no accident history for the last five years, and who was located in New York state. We assumed the rider bought a policy with basic coverage in amounts twice as high as the state's minimum requirements, and that included bodily injury and property damage liability coverage, as well as personal injury protection and uninsured motorist coverage.

What Does Motorcycle Insurance Cover?

There are a variety of motorcycle insurance coverages available to you. The ideal policy will cover both your liabilities and your bike. Look for these types of coverage in a complete motorcycle insurance policy:

Working together with an independent insurance agent is the best way to ensure your BMW motorcycle gets equipped with all the coverage it needs.

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What Factors Influence the Cost of BMW Motorcycle Insurance?

When shopping for motorcycle insurance for your BMW, keep in mind that several factors influence its cost. These can include:

• The model of your bike
• The bike's trim
• How often you use your bike
• Your credit score
• Your driving history
• Specific features of the bike
• The amount of coverage you need
• The type of coverage you need
• Your age, location, gender, and marital status

What to Look for When Comparing BMW Insurance Companies

There are a few details you should consider when you compare prospective motorcycle insurance companies to get coverage for your BMW motorcycle. Look at each carrier's:

• Coverage limits
• Deductible amount
• Additional coverage options
• Available discounts
• Warranty benefits

You can also check whether an insurer offers lay-up insurance for your BMW motorcycle. This coverage is designed to protect your bike from incidents of theft and damage while it's off the road, such as while being stored for the winter season.

An Independent Insurance Agent Can Help You Find the Right BMW Motorcycle Insurance

When shopping for an expensive motorcycle like a BMW, it's wise to shop and compare policies before signing on the dotted line. Insurance on a high-end bike can be expensive, so it pays to determine if the insurance costs will fit into your overall budget. 

Independent insurance agents can do this for you, ultimately finding you the BMW motorcycle insurance policy that offers the best overall blend of coverage and cost. And down the road, they can help file claims for you or update your coverage as necessary.