Life Insurance for Motorcycle Riders (Discounts & Rates)
Life insurance for motorcycle riders is easier to find than many people think. Most motorcycle life insurance rates are comparable to rates for people who don't ride motorcycles. However, those who ride motorcycles professionally may need to pay a flat fee on top of their premiums. Motorcyclists may be able to find affordable motorcycle rider life insurance by driving safely and comparing rates.
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UPDATED: Jun 13, 2021
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- Motorcyclists should consider buying life insurance because riding motorcycles can be dangerous
- Motorcyclists who ride casually will most likely not see an increase in rates, but those who ride professionally may have to pay a flat fee on top of their premiums
- Motorcyclists may be able to reduce their rates by driving safely and comparing quotes from multiple life insurance companies
While motorcycle riders may consider riding a fun pastime, the truth is that it can be dangerous. Life insurance for motorcycle riders can help make sure that the driver’s family is protected financially.
Read more below about why motorcyclists should buy life insurance, how riding can affect rates, and ways that motorcyclists can reduce life insurance rates.
If you’re looking to buy life insurance for motorcycle riders, enter your ZIP code above to compare life insurance rates from companies in your area.
Do I need life insurance for motorcycle riders?
In 2019, motorcyclist fatalities totaled 474 in California, 416 in Texas, and 591 in Florida. Motorcycles lack the protection of covered vehicles, increasing the risk of injury or death during an accident.
It can be dangerous to drive a motorcycle, so life insurance may protect the rider’s family if they are killed in a motorcycle accident.
However, life insurance may be unnecessary if you don’t have any children, a spouse, debts, or other financial obligations that may continue after you die.
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How much are motorcycle rider life insurance rates?
Let’s take a look at some sample life insurance rates:
|Age, Gender, and Marital Status (Non-Smoker)||New York Life Average Annual Life Insurance Rates||Lincoln National Average Annual Life Insurance Rates||Prudential Financial Average Annual Life Insurance Rates||MassMutual Average Annual Life Insurance Rates||State Farm Average Annual Life Insurance Rates|
|Single Female 25-years-old||$158.00||$187.00||$195.00||$132.00||$143.00|
|Single Male 25-years-old||$152.00||$231.00||$237.00||$147.00||$164.00|
|Married Female 45-years-old||$262.00||$239.00||$314.00||$209.00||$238.00|
|Married Male 45-years-old||$245.00||$283.00||$378.00||$230.00||$239.00|
|Single Female 65-years-old||$924.00||$903.00||$941.00||$763.00||$684.00|
|Single Male 65-years-old||$1,416.00||$1,577.00||$1,412.00||$1,049.00||$955.00|
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In most cases, if you ride your motorcycle casually for commuting or as a hobby on the weekends, you will still qualify for just about any life insurance with no increase to your rates.
However, professional motorcycle riders may see increased motorcycle life insurance rates. Some life insurance companies may require professionals to pay a flat fee on top of their regular life insurance premiums.
How can I reduce my rates while riding?
There are a few things you can do to get affordable life insurance for motorcycle riders. First, you should ensure that you’re driving safely as possible, doing all that you can to avoid getting in a motorcycle accident. That means wearing a helmet, avoiding speeding or other traffic violations, and keeping your driving record clean.
Second, never drive under the influence of drugs or alcohol. Motorcycle life insurance companies may reduce rates for drivers who follow the rules of the road.
If your life insurance application asks about your motorcycle riding habits, make sure to answer them honestly. For example, if you ride professionally but only tell your provider that you ride casually, they could cancel your policy if they find out the truth.
You may also want to compare life insurance quotes from multiple companies to get the most affordable life insurance for motorcycle riders. Enter your ZIP code into our free quote comparison tool below to get free quotes today.