Life Insurance for Motorcycle Riders

Life insurance for motorcycle riders isn’t any more expensive than for non-riders. However, life insurance rates for a motorcycle rider can be affected by age, health history, and driving record. Life insurance rates will be higher for motorcycle drivers with speeding tickets, DUIs, and who don’t obey helmet laws. Compare life insurance quotes for motorcycle riders to find the best coverage at the cheapest rate.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: May 2, 2021

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The Rundown

  • For most people, life insurance is not more expensive if you are a motorcycle rider
  • Professional motorcycle racers will pay higher life insurance rates
  • Your age, health, and driving record will affect your life insurance rates

It might surprise you to learn that life insurance for motorcycle riders isn’t really any more expensive than for the average driver. Although riding a motorcycle comes with higher risks, those don’t necessarily translate to higher life insurance rates.

Whether you are interested in term or permanent life insurance, riding a motorcycle won’t prevent you from being insured. In fact, unless you race your motorcycle, riding shouldn’t prevent you from finding cheap life insurance that fits your needs.

Before you buy life insurance for motorcycle riders, learn about rates and the factors that are used to calculate them.

Enter your ZIP code now to compare life insurance rates for motorcycle riders for free today.

Is life insurance for motorcycle riders more expensive?

Many factors are used to determine your life insurance rates. In addition to your age and medical history, the hobbies you enjoy can also raise your rates in some cases.

Riding a motorcycle can be dangerous. Between car drivers not paying attention and motorcycle driver errors, motorcycle crashes can be a real concern.

In fact, according to the Insurance Information Institute, motorcycle riders are 27 times more likely to die in an accident than car occupants.

Surprisingly, this statistic doesn’t affect life insurance rates. Some life insurance companies will ask you lots of questions about your riding, while others simply want to know how you use your motorcycle.

If you are a casual rider, your life insurance rates won’t go up just because you drive a motorcycle. A casual rider is someone who uses their motorcycle for leisure or commuting.

However, if you race your motorcycle, your rates may go up since that is considered more dangerous than just riding.

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What affects your life insurance as a motorcycle rider?

Motorcycle life insurance is calculated much the same way as for anyone else. The main factors looked at are age, health, and driving record and can affect your rates and what type of coverage you are offered. However, riding a motorcycle will not limit your choices on the type of life insurance you can get.

Life insurance rates are lower the younger you are because you are less likely to need your policy. The older you get, the higher the risk for the insurance company. Depending on your stage of life, either term or whole life insurance might be your best fit.

Your overall health can also have a huge impact on life insurance rates for motorcycle riders. Conditions such as smoking, diabetes, and heart issues can all cause your rates to skyrocket. If you have certain risk factors, you might consider a no medical exam life insurance policy. The rates are generally a little more expensive, but you can get the coverage you might otherwise be denied.

It might surprise you to learn that your driving record can affect your motorcycle life insurance. Drivers who speed, have a DUI, or get ticketed for not obeying helmet laws will be seen as risky drivers and pay higher rates.

There are many different life insurance companies for motorcycle riders that will look at these factors differently. Shop around to find the most affordable life insurance for motorcycle riders no matter your situation.

Enter your ZIP code now to compare life insurance quotes for motorcycle riders from multiple companies near you.

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