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How much is motorcycle insurance? Motorcycle insurance can be anywhere from $71 to $297 a year depending on multiple factors like where you Insuring the paid-off Civic would cost the driver $768 a year, and the financed Mazda is actually cheaper than the new motorcycle at $1,544 a year.

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And just as with car insurance, motorcycle insurance premiums will be much higher if you're insuring a Ducati than if you're insuring a moped. It will also be cheaper if you drive your motorcycle once in awhile cruising on rural roads than if you drive it every day on the highway come rain or shine.

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