PA Motorcycle Insurance Cost: What Sets Your Rate
What moves a Pennsylvania rider's premium up or down, which discounts are real, and what the cheapest policy leaves out. Written by a licensed agency in Devon, PA.
There's no single price, but published estimates give you a rough range. MoneyGeek (page updated December 29, 2025) priced one sample rider, a 40-year-old with five years' experience and a clean record on a 2023 Honda CRF450RL (a dual-sport bike). It came to $109 a year for Pennsylvania's state-minimum liability (15/30/5: $15,000 per person and $30,000 per accident for injuries, $5,000 for property damage) and $600 a year for full coverage with 100/300/50 limits and a $1,000 deductible. Progressive reports that its own Pennsylvania customers paid an average of $151.40 a year for a liability-only, one-bike policy from May 2025 through April 2026. These are third-party estimates for different coverage and different riders. Other publishers report different numbers, none of them comes from a regulator, and they aren't our figures. Your own quote depends on you and the bike.
MoneyGeek's two numbers are for the same rider and the same bike, so the gap between $109 and $600 comes from the coverage chosen. That's why coverage level is the first thing to decide. After that, insurers price you and the bike. The Insurance Information Institute lists your age, driving record and where you live, the type of bike (sport bike, cruiser, custom), the bike's age, miles ridden per year and where it's stored. One major insurer adds that bigger engines typically cost more to insure than other bikes in the same class, and that rates generally fall with age until your 70s, though an inexperienced older rider can pay more than an experienced younger one. Progressive says a speeding ticket, in your car or on the bike, will likely raise a motorcycle premium, and that violations usually fall off your driving record after three years. It also says at-fault accidents generally cost more, though any claim can affect your rate, and that a better credit rating can lower premiums in most states. A higher deductible lowers the premium but raises what you pay after a crash.
Then come discounts. The Pennsylvania Insurance Department says many insurers give discounts to riders who complete safety courses, belong to certain associations or have clean records. Some also discount bikes with factory-installed ABS, and insurers often discount bundling multiple policies. PennDOT's Pennsylvania Motorcycle Safety Program classes are free to Pennsylvania Class M permit and license holders. If your insurer offers a safety-course discount, ask whether a PAMSP course qualifies.
Most of the motorcycle policies we write start in summer, so most of the policy year is still left when the bike goes into storage. Some carriers offer a lay-up option that keeps comprehensive on while the bike is stored and pauses the riding coverages. Ask whether yours does, and what it would do to your premium. Canceling outright can backfire: a lender usually still requires comprehensive and collision for the life of the loan, and a new policy after a gap may cost more. The plate and Seasonal Registration rules are on our Pennsylvania motorcycle insurance requirements page.
Two cuts look cheap and aren't. Dropping medical payments coverage lowers the premium, but your car policy's first-party medical benefits don't follow you onto the bike (75 Pa.C.S. §1714). Progressive describes med-pay as coverage that can pay for injuries you or your passenger suffer, regardless of fault, so check its limits and terms before you cut it. Waiving UM/UIM also saves money. Insurers must offer it, and you can reject it only by signing Pennsylvania's statutory rejection forms. Waiving UIM on the bike can leave you with no UIM at all, even if your household's car policies carry it, depending on how those policies are worded. The requirements page covers the case law.
To compare quotes apples to apples, first match the liability limits, UM/UIM limits and stacking choices, deductibles, medical payments and custom-parts coverage. Then compare price. Re-shop before riding season, not after the bike is back on the road. To quote you accurately, we'll ask for your Class M status and years riding, the bike's year, make, model, VIN and engine size, where it's garaged, any safety-course certificate, and your current car policy if you want to bundle. When you're ready, start a Pennsylvania motorcycle quote. Accessory, trailer and total-loss coverage options are on our Pennsylvania motorcycle insurance page. Scooters and mopeds have some different license, plate and equipment rules; see scooter and moped insurance.
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Frequently asked questions
How much is motorcycle insurance in Pennsylvania?
It depends on the coverage you choose, your age and driving record, the bike, and where it's kept. As one published example, a single publisher's sample rider was priced at $109 a year for minimum liability and $600 for full coverage (MoneyGeek, December 2025). Progressive reports a $151.40 yearly average among its own Pennsylvania liability-only, one-bike customers for May 2025–April 2026. Other publishers report different numbers.
Will a ticket in my car raise my motorcycle premium?
It can. Progressive says a speeding ticket, in a car or on a bike, will likely raise a motorcycle premium, and that violations usually fall off your driving record after three years. The same insurer says crashes you cause generally cost more.
Does a motorcycle safety course lower my premium?
It can. The Pennsylvania Insurance Department says many insurers give discounts to riders who complete safety courses. The amount varies by insurer, so ask whether yours offers one and which courses count.
Is it cheaper to put two bikes on one policy?
It can. The Insurance Information Institute says multi-bike discounts can save money for riders who insure more than one motorcycle. Separately, the Pennsylvania Insurance Department says insurers often discount bundling multiple policies, such as your bike with your car or home. Discount sizes vary by insurer, so ask to have your bikes quoted together.
What's the best motorcycle insurance in Pennsylvania?
There isn't one best company for every rider. For most riders, the best policy is the lowest-priced one that still carries the liability limits you need, keeps UM/UIM instead of waiving it, includes medical payments coverage, and covers any custom parts on the bike. That's why we match coverage line by line across the carriers that will quote you before comparing price, so you're choosing between equal policies, not a stripped-down one that only looks cheaper.
How much does it cost to keep UM/UIM on a motorcycle policy?
It depends on the carrier and the limits you pick, so we can price the bike both ways and show you the dollar difference before you sign a rejection form. Pennsylvania insurers must offer UM/UIM, and you can turn it down only by signing the state's statutory rejection forms.