Let’s be real—riding a motorcycle comes with its own set of thrills and risks. But if you’re considered a high-risk rider, getting motorcycle insurance can feel like an uphill battle. Whether it’s due to past accidents, tickets, or simply being a new or young rider, you might face higher premiums or even policy denials.
The good news? You still have options—and smart ways to save.
In this post, we’ll break down what it means to be a high-risk rider, how it affects your insurance, and where to find the best coverage without breaking the bank.
🏍️ Who Is Considered a High-Risk Motorcycle Rider?
Insurance companies define “high-risk” based on your likelihood of filing a claim. You might fall into this category if:
- You have multiple speeding tickets or traffic violations
- You’ve been in at-fault accidents
- You’ve had a DUI or reckless driving conviction
- You’re under 25 or a new rider with limited experience
- You own a high-performance or sport bike
- Your credit score is low (in most states, this is considered)
Being labeled “high-risk” doesn’t mean you can’t ride—it just means insurers may charge more to cover you.
🧾 How Does High-Risk Status Affect Your Motorcycle Insurance?
Simply put: you’ll pay more.
- Average policy for standard riders: $300–$600/year
- High-risk riders: $800–$2,500+/year depending on your profile
You may also have:
- Higher deductibles
- Limited policy options
- Required SR-22 filings if you’ve had a major driving offense
But don’t panic—many insurers specialize in non-standard motorcycle coverage, and there are ways to reduce your cost over time.
🏆 Best Motorcycle Insurance Companies for High-Risk Riders
Here are some providers known for offering coverage to riders with less-than-perfect records:
1. Dairyland
- Why it’s good: Specializes in high-risk auto and motorcycle insurance
- Offers SR-22 filings
- Flexible payment options
- Discounts for completing a safety course
2. Progressive
- Accepts high-risk riders, including those with tickets or DUIs
- Offers Accident Forgiveness and Deductible Savings Bank
- Broad coverage options including custom parts & equipment
3. GEICO
- Competitive rates for riders with prior violations
- Offers multi-policy discounts
- Good for military or government employees
4. Foremost (a Farmers Company)
- Willing to insure riders with poor records
- Good coverage for custom bikes and older motorcycles
- Excellent roadside assistance add-ons
5. National General
- Works with high-risk drivers and riders
- Offers SR-22 support
- Discounts for policy bundling and low mileage
💡 Tips to Save on Motorcycle Insurance (Even If You’re High-Risk)
Here’s how to lower your premium, even if you have marks on your record:
✅ Take a motorcycle safety course (such as the MSF Basic Rider Course)
✅ Choose a less risky bike—avoid supersport models with high theft rates
✅ Improve your credit score (in states where it’s factored in)
✅ Bundle policies (auto, home, renters)
✅ Increase your deductible—if you can afford a higher out-of-pocket cost in an accident
✅ Ride less—low mileage discounts are real
Also, consider re-shopping your policy every 6–12 months as your record improves.
🤔 Do You Need SR-22 Insurance?
If your license was suspended due to a DUI, reckless driving, or serious violation, your state might require an SR-22 certificate—a form proving you carry the minimum liability coverage.
Not all insurers offer SR-22 support, so stick with companies like Dairyland, Progressive, or National General that specialize in this area.
📋 What to Include in Your Policy
Even if you’re high-risk, don’t skimp on the basics. Make sure your policy includes:
- Liability insurance (required in most states)
- Uninsured/underinsured motorist coverage
- Comprehensive & collision coverage if your bike has value
- Medical payments or PIP if available
- Gear & custom parts coverage if you’ve upgraded your ride
✅ Final Takeaways
Being labeled a high-risk rider isn’t the end of the road—it just means you need to be strategic. By choosing the right insurer and taking proactive steps, you can secure affordable coverage, stay protected on the road, and work your way back to standard rates over time.