Buying dirt bikes can be a lot of fun, but that’s not all.
The main thing left for you to do before you set off into the dunes with your bike is to get it insured. Getting insurance is very important, and that is not something you should be irresponsible about, especially if you own a dirt bike.
Accidents can happen anytime and anywhere, so it’s a good idea to take precautions before anything gets out of hand. Plus, why wouldn’t anyone want to avoid the stress of it all when an insurance company can handle it all for you?
So, how much do you think dirt bike insurance costs?
Insurance costs can be different for every company and depend on the type of plan you are looking for. But the prices for the ones mentioned are as follows.
Progressive- $837 per year/$77 per month
Geico- $266 per year/$27 per month
Allstate- $294 per year/$25 per month.
So let’s get into it!
Why Buy Insurance?
If you are new to dirt biking or insurance policies, you should know that paying for dirt bike accessories and parts can be quite expensive.
So with insurance, you can pay for all the damages caused in case of an accident. Dirt bike insurance requirements can vary in different states.
Some places where you live and ride may require your vehicles to be insured if you plan on riding on public roads.
Also, something to remember when you sign up for an insurance policy is that there will be a sum of money you’ll have to pay to the company for them to take on your responsibilities.
However, dirt bike owners should have insurance policies regardless of it being legal or not. Anything that can drive fast is dangerous.
And dirt bikes are definitely on that list. You can avoid being responsible for someone you injured and yourself by getting insurance.
For instance, medical coverage could pay for your injuries, while liability insurance can cover someone else.
Also read: Best budget touring bikes
The Different Categories Of Dirt Bike Insurance
The cost of dirt bike insurance can vary from category to category. Here we will see the differences and importance of mainly four types. So let’s get ourselves some insurance, shall we?
Also read: How long do dirt bikes last?
The collision coverage insurance is catered toward bike repairs. So in case you have a collision with another vehicle, this insurance can help you out.
Although this insurance is great for those small accidents you may get into, it does have one big disadvantage. This insurance does not cover damages that natural disasters may cause.
Also read: Best dirt bikes for kids
Liability insurance is great for inexperienced riders or those who are a little bit more clumsy. Dirt bike liability insurance is mostly required in several jurisdictions.
Because it considers the bike owner’s responsibility in case an accident occurs, including third-party injuries or damage to their properties. However, this insurance policy does not cater to the owner’s injury and damages.
Also read: Which Vehicles Can Fit A Dirt Bike?
Comprehensive coverage is great for covering accidents that aren’t involved with other vehicles on the road. So if you’re concerned with issues such as theft, vandalism, and natural disasters, then this is the insurance policy you should go for.
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As the name suggests, full coverage is the policy that covers all accident variables mentioned above. So it will cover everything from malicious damages to theft, Natural disasters, collision with other vehicles, and liability to third-party injuries.
Since this policy caters to tons of features, consumers will have to pay a lot of money for it.
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Dirt Bike Insurance Cost
Dirt Bike insurance costs are different for each company. There are many insurance companies these days, but it is important to gather all the necessary information before you choose one because you don’t want to end up paying too much for too little.
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The great thing about progressive is that they make everything easy for their potential customers. So if you’re looking for a quote, you can find it both online, and you can also call a representative that will offer some assistance.
If you’re someone who enjoys customizing your bike, then we’ve got great news.
Progressive policies come with almost $3000 worth of custom parts coverage. And policyholders can additionally buy $30,000 worth of custom parts coverage.
This makes the company stand out because hardly any dirt bike insurance companies offer coverages like these.
Progressive suggests around $837 per year and approximately $77 per month. If you’re lucky with good driving history, you could also save money with additional discounts.
Also read: How cold is too cold to ride a dirt bike?
If you aren’t into having too much coverage, then Geico is the company for you. You can get your dirt bike insured at a very affordable price with Geico. At Geico, you have the option of insuring through payment plans as well.
After you have answered the basic questions that every dirt bike insurance company asks, your final quote may round up to $266 per year, around $27 per month. The company covers a good amount of stuff in case of an accident.
For instance, bodily insurance is $25,000 per person and $50000 in the accident. Additionally, $5000 is for medical payments. On the other hand, for insured and uninsured drivers, $25000 is given per person for medical, and $50000 for the accident.
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Allstate will ask you a few new questions compared to the other two, such as asking about your license and additional driving information.
The annual cost of a 2018 dirt bike is around $295, which is roughly $26 per month. The company covers $25000 for each person and $50000 for bodily injury.
You also have access to guest liability if another person gets injured in the accident. Furthermore, there is $15000 worth of coverage for property damage liability.
So if you’re looking for discounts, then Allstate has got you covered with their good easy pay plan discount as well as Good rider discount. This is great if you’re on a budget.
Is The Insurance Of A Dirt Bike More Or Less Expensive?
Usually, bike and motorcycle insurances are cheaper, but that is not always the case. If the price of a dirt bike is more than a car, then that means the dirt bike’s parts are pretty expensive. Hence, a company will offer you a more expensive insurance plan per year.
Moreover, the prices can be different depending on the state you live in.
For example, in California, they charge $209 per year, or if you’re looking for full inclusion on the dirt bike, it’ll cost you around $1900 per year.
And That’s A Wrap!
That’s it, folks! Here’s all you need to know about dirt bike insurance costs. Happy riding!