Sport Bike Insurance
Coverage for high-performance sport motorcycles.
Typical cost: $1,000 – $4,000+ per year
Sport Bike Insurance
Sport bikes (supersports) are among the most expensive motorcycles to insure. Their high speeds, aggressive riding positions, and association with younger, more risk-prone riders contribute to elevated premiums.
Why Premiums Are Higher
Sport bikes have the highest accident and fatality rates of any motorcycle category. Insurers see statistics showing higher speeds, more severe crashes, and greater injury claims. Even experienced riders pay more for sport bike coverage.
What's covered
Liability Coverage
Covers injuries and damage you cause—essential for high-speed accidents.
Collision Coverage
Pays to repair your sport bike after crashes.
Comprehensive
Covers theft (sport bikes are highly targeted), vandalism, and weather.
Medical Payments
Covers medical bills for you regardless of fault.
Custom Parts
Covers aftermarket exhaust, fairings, and performance modifications.
Tips
- • Complete a motorcycle safety course for discounts
- • Install anti-theft devices and park in secure locations
- • Consider higher liability limits due to speed potential
- • Document all modifications for custom parts coverage
- • Shop around extensively—rates vary dramatically for sport bikes
Other motorcycle insurance types
Cruiser Insurance
Insurance for cruiser-style motorcycles.
Touring Bike Insurance
Coverage for touring motorcycles and long-distance riding.
Off-Road Bike Insurance
Protection for dirt bikes and off-road motorcycles.
Scooter Insurance
Affordable coverage for scooters and mopeds.
Vintage Motorcycle Insurance
Specialized coverage for classic and vintage bikes.
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