The cheapest motorcycles to insure are typically smaller, less powerful models that are designed for efficiency and practicality rather than speed and performance. Standard, commuter, or cruiser, motorcycles, which are often used for daily transportation and have lower engine capacities, generally have lower insurance premiums. These bikes are less likely to be involved in high-speed accidents, and their parts are usually less expensive to replace, which reduces repair costs for insurers. Insurance companies view these motorcycles as lower risk than sport or superbikes., Motorcycle insurance requirements vary by state, but most states mandate liability coverage to cover damages or injuries in an accident. If you're financing or leasing a motorcycle, your lender may require full coverage, including collision and comprehensive insurance, to protect their investment., Quote the best motorcycle insurance company in minutes and ride protected You're passionate about riding and you've invested in your motorcycle, so we make it easy to protect your bike and budget. Get a motorcycle insurance quote online and join millions of riders who trust Progressive..