How Much Does Dirt Bike Insurance Cost?

James Albert is a dirt biker for about 6 years with a passion for helping others get into the sport without knowing anything. He shares...Read more

When your dirt bike is damaged in a crash or even stolen from you, the repair or replacement costs can be astronomical. Dirt bikes are expensive in general. So, if you are investing your money in one, you will want to invest in good insurance that will protect you against all kinds of eventualities. So, how much does dirt bike insurance cost?

Dirt bike insurance costs between $100 and $300 per year. However, dirt bike insurance rates will vary across the country and depend on various factors, such as your age, driving experience, driving record, and even where you live.

Purchasing dirt bike insurance can be a major help in an accident involving your dirt bike. However, although it is wise to purchase insurance, you might not know which insurance policies you need to insure your razor dirt bike. Therefore, we will share with you all you need to know on this page.

Why Do You Need Insurance?

Dirt bike insurance is a policy that protects your dirt bike, plus acts as a support for medical bills and/or property damage if you have an accident. Of course, it is important to make sure you have adequate coverage before you are on track or trail.

Why Do You Need Insurance

Therefore, there are many reasons you need insurance for your dirt bike, and some of them are as follows:

Coverage in the event of an accident

Your coverage with your insurance company is essential, no matter how experienced a rider you are. A dirt bike is a high-performance vehicle built to reach speeds that can cause serious injury if something goes wrong.

Therefore, dirt bike insurance provides much-needed coverage in the event of an accident, and it ensures that you will be protected in case of any injury. Also, insurance coverage protects you against financial loss in an accident. Most states require a minimum amount of liability insurance, and even if your state doesn’t, it is still a good idea to have some.

Theft covering

Dirt bikes are expensive and prone to theft, meaning that they are often targets for criminals. A comprehensive dirt bike insurance policy allows you to receive compensation for the costs of getting a replacement for a stolen dirt bike and repair or replacement of any accessories along with it.

As with any other insurance policy, the exact value you can claim will vary based on circumstances, but this type of insurance can help ease the financial burden in case of theft.

Protection against vandalism

Your dirt bike is susceptible to vandalism, and uninsured damages can cost hundreds or even thousands of dollars to repair. Dirt bikes also have many high-cost components, such as the frame, engine, and exhaust pipe, which are expensive to replace if they are vandalized.

Having good insurance in the case of such an event will be lifesaving. Insurance protects the reckless or malicious acts of another person. Therefore, it leads to a better quality of life after any vandalism.

Financial security

Financial security is important to you, and you don’t want a dirt bike accident to leave you in debt and unable to pay your bills. This is why dirt bike insurance is so important for riders on the road every day. However, even if you do not get into an accident, you need to be prepared for anything that comes your way regarding financial security.

How Much Does Dirt Bike Insurance Cost?

The insurance price for dirt bikes will vary depending on the type of coverage and how much coverage you want. An average dirt bike insurance cost for a middle-aged rider with standard coverage can range from $50 to $300 per year.

How Much Does Dirt Bike Insurance Cost

Many factors go into determining dirt bike insurance cost. Riders should consider their age, riding experience, and riding history. These factors will help to determine the amount. A rider pays for insurance.

Below are the factors that influence the amount you pay for dirt bike insurance. All these factors contribute to the prices in any local store chart.

Age of the rider

The age of your rider is one of the factors used to determine dirt bike insurance costs. If your teen just learned how to ride, you should be prepared for the premiums. Young people under 25 years of age are generally considered high-risk drivers. So, if you have a young rider, you can expect to pay higher premiums on dirt bike insurance.

Size and weight of the bike

One of the deciding factors in determining insurance cost is the size and weight of the bike, with larger bikes generally costing more to insure. The insurance company will consider you more likely to cause damage due to a larger, heavier bike having higher hits on impact.

Commercial or personal use

Whether you ride a motorcycle for commercial or personal use, your insurance company will determine factors, including the type of bike you own. For example, dirt bikes primarily used for racing are normally placed in a higher category with higher liability premiums.

Riding experience

Riding experience is expected to be one of the biggest factors determining dirt bike insurance rates. People who have a lot of years of experience and those who have been riding for decades will pay less for their insurance premiums than people who are still new to motorcycling.

Riding history

Riding history is a key factor in determining dirt bike insurance costs. Drivers with a clean driving record get lower rates. Conversely, getting in an accident will drive your premiums up because you are viewed as more of a liability.

Top Insurance Companies For Dirt Bike Insurance

Now that you have got to know the importance of getting dirt bike insurance, you must choose the best company for it. Unfortunately, many companies out there offer dirt bike insurance, and not all are reliable.

So, here are some of the top companies for dirt bike insurance you can consider.

Progressive motorcycle insurance

As one of the frontiers insurance companies for dirt bike insurance, Progressive has everything you need to insure your bike. The company offers three types of motorcycle insurance coverage:

  • Basic coverage with liability and uninsured/underinsured bodily injury.
  • Broad coverage with liability, uninsured/underinsured bodily injury, collision, and comprehensive.
  • Customized coverage with all the above plus medical payments, custom parts, rental reimbursement, etc. You can find out more on their

Allstate motorcycle insurance

Allstate motorcycle insurance comes with accident forgiveness, meaning your rates won’t increase even if you have an accident. Allstate also offers replacement coverage, which pays to replace your bike at a total loss. You can learn more and get a free quote here.

USAA motorcycle insurance

You have got a bike, and you just need insurance? USAA is the top motorcycle insurance company for members of the military and their immediate families. USAA offers the full range of coverages and perks to protect you and your ride: discounts for insuring multiple vehicles, roadside assistance, and more.

USAA is an excellent insurance provider for dirt bike coverage. With its no-charge, no-deductible Roadside Assistance benefit and its low rates, especially for motorcycle owners on their motorcycle insurance policies, USAA stands out as one of the best options for dirt bike insurance. You can find out more here.

AARP Auto Insurance

AARP offers a few types of bike insurance. Riders can choose between liability, collision, and comprehensive coverage, which protects them against theft, fire, and vandalism. The company also offers medical payments coverage, which helps pay for emergency services after an accident, and personal injury protection coverage to cover medical costs and lost wages. Find out more about their offers here.

Liberty Mutual motorcycle insurance

Liberty Mutual motorcycle insurance has been covering riders for almost 100 years and offers customizable coverage, easy claims filing, and discounts for safe riders. Standard coverage options include collision, comprehensive, bodily injury, property damage, and guest passenger liability. You can get more information on their website.

Is Dirt Bike Insurance Less Expensive?

Dirt bike insurance is often less expensive than motorcycle insurance because dirt bikes are smaller, less powerful, and represent a lower accident and theft risk. If you are new to riding a dirt bike or have a history of accidents, dirt bike insurance could be good.

Also, you must know the prices for dirt bike insurance vary. However, the price is not different for all companies, and most of them have categories for their insurance. So, you should get a consultation about the insurance that is best for you before you make any payment.

What Aspects Determine the Insurance?

The most important aspects of dirt bike insurance coverage include the amount of liability coverage, the amount of collision coverage, deductibles, and the limits on accessories. The cost of your policy also depends on what kind of bike you are insuring.

What Aspects Determine the Insurance of dirt bike

Liability coverage

The first type of coverage all states require is liability insurance. This protects you from any property damage or bodily injuries that you cause while operating your bike.

The amount of money you will pay to your insurance company for liability coverage is determined by your bike’s total price, how much coverage you want, where you live, and the details of your past driving history.

Collision coverage

Collision coverage pays for damage to your dirt bike that results from a collision with another vehicle or object. For example, if you collide with a mailbox and your bike becomes damaged, the cost of the damage will be covered. Collision coverage typically only pays for damages up to the fair market value of the dirt bike.

Type of bike you ride

The type of bike you ride can impact the cost of your insurance policy. For example, bikes that are used for dirt riding or racing are generally more expensive to cover than a street bike. This is often because off-road bikes are at higher risk.

If you are shopping around for insurance policies, be sure to tell your agent which kind of motorcycle you own so you can get an accurate quote.

Age and experience of the driver

Insurance companies decide what kind of risk you are for them, and if you are more likely to get in an accident, then they will charge more for insurance. In addition, the age and experience of the driver play a role in determining the premium you have to pay.

If the motorcyclist has little experience, then you will have to pay more. This is because these riders are more prone to accidents than experienced ones.

How To Get Affordable Dirt Bike Insurance?

If you want to get affordable dirt bike insurance, you need to do lots of consultation. We call it a comparison market, and it helps you to know the prices of insurance from different companies. Once you get to know the prices from different companies, you can go on to choose the one that meets your budget.

In addition, you should always seek the advice of professionals before you get any bike insurance contract. Sometimes, what might seem good and affordable to you might not be the right thing for you.


Not every dirt bike rider knows the importance of insurance. Most of them regret not having insurance when the need for it arises. The benefits you get from getting insurance for your bike are hard to overlook. While it is important, it is also good to know the price it will cost you to get one for your bike.

Therefore, this page on how much dirt bike insurance cost covers that in detail. You can learn more about dirt bike insurance and how to go about getting an affordable one.

James Albert is a dirt biker for about 6 years with a passion for helping others get into the sport without knowing anything. He shares his expertise and reviews dirt bikes and related tools.

More Posts

Subscribe to Dirt Bike Wiki

Subscribe to our daily newsletter to get the latest industry news.

    By clicking the "Subscribe" button, I agree and accept the privacy policy of Dirt Bike Wiki.

    Leave a Comment