Motorcycle Insurance for Sport Bikes
Find the Right Sport Bike Insurance with Roamly
Coverage Options for Supersports, Sport-Tourers, and Naked Bikes, From Carriers Who Know the Road
Why Choose Roamly for Sport Bike Insurance?
- Multiple Carriers, One Quote: For motorcycle coverage, Roamly compares policies from a panel of carriers, so you're not limited to one company's option. On a sport bike, rates can vary widely from one carrier to the next.
- Custom Parts Options: Carriers we work with may offer custom parts and equipment coverage for the exhaust, rearsets, levers, and bodywork you've upgraded.
- Riding Gear Options: Some carriers we work with may cover your helmet, jacket, and boots when they're damaged in a covered crash.
- Help for Newer Riders: We'll help you look for discounts, like a rider safety course, that can make a real difference on a sport bike.
- Licensed Agents Who Ride: Our licensed agents ride too, and they'll help you compare coverage in plain language.
At Roamly, we're not just insurance agents — we're riders who know a sport bike gets priced differently than almost anything else on two wheels. Between the bike's value, the parts you've swapped, and how much experience you have, the quote you get from one carrier can look nothing like the next, and we'll help you find a policy that fits how you ride.
How Much Does Sport Bike Insurance Cost?
Sport bikes usually cost more to insure than cruisers or touring bikes, mostly because of repair costs, theft, and crash risk. As of October 2026, Progressive advertises liability-only motorcycle coverage starting as low as about $75 a year (not available in D.C.), and liability costs don't change much by bike type. Full coverage is where sport bikes cost more: one national analysis puts full coverage for a 40-year-old rider on a 1000cc Honda superbike at about $3,948 a year, and one comparison site's sample quotes put coverage at about $176 a month for a Kawasaki Ninja 400 and about $334 a month for a Ducati SuperSport. Your price depends on your bike's value and engine size, your age and riding experience, where you live and park, and the coverage you choose.
- Quotes From Multiple Carriers: Compare options side by side instead of taking one company's price.
- Personalized Quotes: Based on your bike, your experience, and where you keep it.
- Discounts You May Qualify For: Carriers we work with may offer savings for a rider safety course, an anti-theft device, or bundling with other policies.
Average Cost Range (as of October 2026):
- Liability-Only Policies: From about $75 per year (Progressive's advertised starting price for liability on one motorcycle, excluding state fees and taxes; not available in D.C.).
- Smaller Sport Bikes: About $176 per month for a Kawasaki Ninja 400 in one comparison site's sample quotes.
- Larger Sport Bikes: About $334 per month for a Ducati SuperSport in the same comparison site's sample, and about $3,948 per year for full coverage on a 1000cc Honda superbike in one national analysis (40-year-old rider).
Coverage Type | Liability-Only Policy | Full Coverage Policy |
|---|---|---|
Liability for damage or injuries you cause | ✓ | ✓ |
Damage to your bike (collision, theft, vandalism, fire) | Not included | ✓ |
Custom parts and equipment | Not included | Varies by carrier (some include a base amount) |
Uninsured/underinsured motorist | Varies by state | Varies by state |
Riding gear | Not included | Varies by carrier (some include a base amount) |
Track days and racing | Typically excluded | Typically excluded |
Features to Look for When Shopping for Sport Bike Coverage with Roamly
- Collision and Comprehensive Coverage: Look for protection against crash damage and theft, since sport bikes are expensive to repair and popular with thieves.
- Custom Parts and Equipment Coverage: Check how much aftermarket coverage comes with the policy, and add more if your exhaust, rearsets, or bodywork are worth more than the base amount.
- Riding Gear Coverage: Ask whether the policy pays to replace your helmet, leathers, and boots after a covered crash.
- Track Day Terms: If you ride track days, ask exactly how the policy treats them, because many street policies exclude riding on a track.
- New-Bike Replacement: On a newer bike, ask whether a covered total loss is paid at full MSRP or at depreciated value.
Ready to Protect Your Sport Bike?
Get a Quote on Sport Bike Insurance That Fits How You Ride
Whether it's canyon runs on Sunday morning or a commute on your first bike, Roamly works with carriers who understand sport bikes. We'll help you find coverage so you can focus on the ride.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Sport bikes cost more to repair, are popular with thieves, and carry a higher crash risk. A 2010 study by the Insurance Institute for Highway Safety found the rider death rate on supersport motorcycles was about four times as high as on cruisers and standards. Liability costs don't change much by bike type, so most of the difference shows up in collision and comprehensive coverage.
Usually not. Many street motorcycle policies exclude riding in races, timed events, speed tests, or on a track, even at a non-competitive track day. If you ride track days, ask about it before you buy, and don't assume your street policy will cover a crash at the track.
Young riders pay the most for motorcycle insurance, and a sport bike adds to that. Completing a rider safety course, like the ones offered by the Motorcycle Safety Foundation, can earn a discount with many carriers, and starting on a smaller, less expensive bike usually costs less to insure than a 1000cc superbike. An anti-theft device, a higher deductible, and comparing carriers can help too.
Almost every state requires liability coverage to ride a motorcycle on public roads, and minimum limits vary by state. If you finance your bike, your lender will likely require comprehensive and collision coverage too.
The biggest factors are your bike's make, model, value, and engine size, your age and riding experience, your riding record and claims history, where you live and park the bike, your credit in states that allow it, and the coverage and deductible you choose.
Policies typically exclude racing and track riding, wear and tear, and normal maintenance. Aftermarket parts beyond your custom equipment limit and modifications you didn't disclose may not be fully covered, and riding gear coverage varies: some carriers include a set amount with comprehensive and collision, while others offer it as an add-on. Roamly can help you compare optional coverages that may fill some of these gaps.
Still have questions?
Call us at 877.725.1245
Buy Insurance for a Sport Bike
Find the Right Sport Bike Insurance with Roamly
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
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. Roamly license numbers. 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.
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