Motorcycle insurance discounts can significantly reduce your premiums through safety course completion, multi-policy bundling, homeownership, association memberships, responsible riding records, and payment options. Common savings include 10-15% for completing Motorcycle Safety Foundation (MSF) courses, multi-policy discounts for bundling with auto or RV insurance, and homeowner discounts for property owners. The key is understanding which discounts you qualify for and how to stack them effectively. Smart riders combine multiple discounts to maximize savings while maintaining solid coverage that protects their investment and adventures on the road.
Completing an approved motorcycle safety course can earn you insurance discounts typically ranging from 10-15%, according to industry standards and state DMV guidelines. Insurance companies view safety course completion as evidence of responsible riding, which reduces their risk of paying claims.
The Motorcycle Safety Foundation (MSF) is the gold standard for rider education in the United States. According to their official guidelines, most insurance companies provide discounts for completing MSF-approved courses, and many states waive the riding portion of your motorcycle license test when you complete their Basic RiderCourse.
Safety course benefits beyond insurance savings:
Who qualifies: Both new and experienced riders benefit from safety courses. Many insurers accept courses completed within the past 3-5 years, so even veteran riders can refresh their skills and earn ongoing discounts.
First-time motorcycle owners especially benefit from safety course discounts since they help offset the higher premiums often associated with newer riders while building essential skills for safe riding.
Bundling your motorcycle insurance with auto, home, RV, or other recreational vehicle policies typically qualifies you for multi-policy discounts that can save hundreds of dollars annually. Industry research shows that most major insurers offer these bundling opportunities.
Common bundling combinations:
For adventure and touring riders who own multiple recreational vehicles, bundling creates significant savings opportunities. If you already have RV insurance with Roamly, adding motorcycle coverage often provides seamless protection for your entire adventure lifestyle.
Bundling benefits beyond cost savings:
Budget-conscious commuters particularly benefit from bundling since they can maximize discounts while simplifying their insurance management across multiple vehicles.
Homeownership and association memberships signal stability and responsibility to insurers, often qualifying you for additional motorcycle insurance discounts. These discounts recognize that certain demographics have statistically lower claim rates.
Homeowner discount qualifications:
Association member discounts vary by insurer but commonly include:
Motorcycle-rental hosts who participate in peer-to-peer platforms often benefit from association member discounts, especially if they belong to professional hosting organizations or business groups.
Pro tip: Even if you're not currently a member of qualifying associations, the annual membership cost is often less than the insurance savings you'll receive, making it a smart financial decision.
Clean driving records, accident-free periods, and riding experience translate directly into insurance savings through responsible rider and mature rider discounts. These discounts reward your safe riding history and recognize that experienced riders typically have fewer claims.
Responsible rider qualifications typically include:
According to industry standards, mature riders (typically 45+ years old with several years of experience) often qualify for additional age-based discounts on top of clean record benefits.
Experience-based savings:
Experienced riders upgrading to larger or higher-performance bikes can often maintain their responsible rider discounts, helping offset the premium increases associated with more powerful motorcycles.
Simple payment choices and policy management decisions can unlock easy savings without changing your coverage or riding habits. These discounts reward behaviors that reduce administrative costs for insurance companies.
Payment-based discounts include:
Additional easy savings:
Budget-conscious commuters especially benefit from payment discounts since they can maximize savings simply by adjusting how they pay for coverage they already need.
Anti-theft device discounts also fall into this category - installing approved alarm systems, LoJack, or GPS tracking can reduce comprehensive coverage costs while protecting your investment.
The key to maximizing motorcycle insurance savings lies in identifying all eligible discounts and understanding how they combine. Most insurers allow multiple discounts to stack, creating compound savings opportunities.
High-impact discount combinations:
Discount stacking strategies:
Adventure and touring riders who rack up significant mileage can often qualify for the most discount combinations, since they frequently own multiple vehicles, prioritize safety training, and maintain excellent driving records.
Don't let available discounts ride off into the sunset. Understanding which motorcycle insurance discounts you qualify for is the first step toward serious premium savings without sacrificing the protection your bike and adventures deserve.
Ready to see what your personalized discount combination could save you? Get a comprehensive motorcycle insurance quote from Roamly and discover why riders trust our expertise in recreational vehicle coverage – from weekend cruises to cross-country touring adventures.
Disclaimer: Discount availability, qualification requirements, and savings amounts vary by insurance company, state, and individual circumstances. This article provides general information about common motorcycle insurance discounts and should not be considered insurance advice. Consult with licensed insurance professionals for personalized recommendations based on your specific situation and coverage needs.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.