Motorcycle Insurance for High-Risk Riders in the USA: Affordable Coverage Options in 2025

Riding a motorcycle brings a sense of freedom and thrill unmatched by other forms of travel. However, for some riders, this lifestyle comes with a caveat — being labeled a high-risk rider by insurance companies. If you fall into this category, finding affordable motorcycle insurance for high-risk riders in the USA can feel like an uphill battle. But don’t worry — it’s not impossible.

This guide explores everything you need to know about getting motorcycle insurance if you’re considered high-risk — from what makes a rider high-risk to how you can find the best rates without compromising coverage.

What Does “High-Risk Motorcycle Rider” Mean?

A high-risk rider is someone who is statistically more likely to file a claim due to their driving history, experience level, or other personal factors. Insurance companies use a range of data to determine risk levels, which then affect the cost and availability of coverage.

You might be classified as a high-risk rider if you:

• Have multiple speeding tickets or traffic violations

• Have a DUI or DWI on your record

• Are under 25 years old

• Are a new rider with no riding experience

• Ride a high-performance or sport motorcycle

• Have a poor credit score (in some states)

• Have been in multiple accidents (at-fault or not)

Once you’re categorized as high-risk, you’ll notice higher premiums, limited policy options, or even denials of coverage from some insurers.

Why Motorcycle Insurance for High-Risk Riders Costs More

Insurance premiums are all about risk assessment. If the insurer believes you’re more likely to make a claim, they’ll charge you more to offset that risk. For example:

• A 21-year-old riding a Yamaha R1 sportbike with two speeding tickets and a DUI will likely pay 2–3 times more than a 35-year-old with a clean record riding a cruiser.

This doesn’t mean you’re doomed to pay sky-high rates forever — insurers reassess your profile over time, especially if you maintain a clean record for a few years.

What Coverage Is Essential for High-Risk Riders?

Even if you’re considered high-risk, you shouldn’t skimp on coverage. Here are the essentials:

✅ Liability Insurance

Covers injuries and property damage you cause to others. This is legally required in most states.

✅ Collision Coverage

Pays for damage to your own motorcycle if you’re in an accident — regardless of fault.

✅ Comprehensive Coverage

Covers theft, vandalism, weather damage, and other non-collision incidents.

✅ Uninsured/Underinsured Motorist

Protects you if you’re hit by someone with insufficient or no insurance.

✅ Medical Payments / Personal Injury Protection (PIP)

Covers medical expenses for you and your passengers, regardless of who’s at fault.

High-risk riders are more likely to need comprehensive protection, not just the bare minimum.

Top Motorcycle Insurance Providers for High-Risk Riders in the USA

While some insurers shy away from covering high-risk riders, others are more flexible or even specialize in non-standard policies. Here are a few worth checking out:

1. Dairyland Insurance

• Known for: High-risk and SR-22 motorcycle insurance.

• Coverage options: Liability, collision, comprehensive, roadside assistance.

• Highlights: Accepts riders with DUIs and multiple violations.

2. Progressive

• Known for: Competitive rates and accident forgiveness.

• Highlights: Customizable coverage, high-risk options, discounts for continuous insurance.

3. GEICO

• Known for: Nationwide availability and affordable rates.

• Highlights: Covers sportbikes, scooters, and vintage motorcycles; accepts riders with minor violations.

4. Foremost Insurance

• Specialty: Offers insurance for unique or high-value bikes, even if you’re high-risk.

• Flexibility: Good for customized motorcycles and older riders with checkered histories.

5. The General

• Known for: High-risk auto insurance — now offering motorcycle policies in select states.

• Pros: SR-22 filing assistance, easy online quotes, flexible payment plans.

How to Lower Motorcycle Insurance Rates as a High-Risk Rider

Just because you’re considered high-risk now doesn’t mean you can’t take steps to improve your profile. Here’s how:

✅ Take a Motorcycle Safety Course

Certified safety courses not only make you a better rider but can also earn you premium discounts.

✅ Avoid Further Violations

Keep a clean record for the next 1–3 years. Insurers often review your file annually and will lower your risk category over time.

✅ Shop Around Regularly

Get quotes from multiple insurers. Some are more lenient than others when it comes to traffic history or age.

✅ Choose a Lower-Risk Bike

Sportbikes and superbikes cost more to insure. Opting for a standard or cruiser model can significantly reduce premiums.

✅ Improve Your Credit Score

In many states, your credit history affects your insurance rate. Paying down debt and improving your score can help.

✅ Bundle Policies

If you own a car, home, or RV, bundle them with your motorcycle policy to get multi-policy discounts.

SR-22 Insurance for High-Risk Riders

If you’ve had a serious traffic violation, like a DUI, you may be required to file an SR-22 form — a certificate of financial responsibility. It’s not a policy but a form filed by your insurer proving you carry the minimum required insurance.

Many insurers don’t offer SR-22 filings, but companies like Dairyland, The General, and Progressive do.

Cost of Motorcycle Insurance for High-Risk Riders

Premiums vary based on location, bike type, and personal history, but here’s a general idea:

Note: Always compare quotes and ask about high-risk discounts or accident forgiveness.

States with the Most Expensive Motorcycle Insurance for High-Risk Riders

High-risk riders in these states often pay significantly more due to population density, accident rates, and regulations:

• California

• Florida

• Texas

• New York

• Michigan

States with more lenient motorcycle laws or fewer urban areas usually offer cheaper rates — even for high-risk individuals.

Common Mistakes High-Risk Riders Should Avoid

• Lying on insurance applications — this could lead to policy cancellation.

• Only carrying minimum coverage — one accident could lead to financial ruin.

• Ignoring policy lapses — gaps in insurance history can raise your risk level.

• Not comparing quotes — sticking with one insurer might cost you more.

FAQs about Motorcycle Insurance for High-Risk Riders

Q1: Can I still get motorcycle insurance if I have a DUI?

Yes, but you’ll likely need to file an SR-22 and pay higher premiums. Several insurers specialize in this.

Q2: How long am I considered a high-risk rider?

Usually 3–5 years, depending on your violations and how clean your record stays.

Q3: Will taking a motorcycle safety course help?

Absolutely. Not only does it make you safer, but it often qualifies you for discounts.

Q4: Do all insurance companies accept high-risk riders?

No. Some carriers deny coverage altogether. Look for providers who market themselves as “non-standard” insurers.

Q5: Can I reduce my premium over time?

Yes. By improving your driving habits, maintaining continuous insurance, and shopping around annually, you can bring down costs.

Final Thoughts

Being labeled a high-risk rider doesn’t mean you have to give up your passion for motorcycles — or break the bank. With the right strategy and insurance provider, you can secure reliable motorcycle insurance for high-risk riders in the USA without sacrificing coverage or peace of mind.

Whether you’re bouncing back from a few bad decisions or simply ride a high-powered bike that insurance companies fear, the key is to stay proactive, stay safe, and stay insured.