Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 13, 2021

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The Brief

  • Life insurance for motorcycle riders is typically no more expensive than average
  • Professional motorcycle riders will pay higher rates than casual motorcycle riders
  • The frequency and distance you travel on your motorcycle will affect your rate

If you’re a motorcycle rider then you’re probably familiar with the exhilarating feeling of the wind whipping through your hair as you take on the open road. Perhaps you’re also familiar with the dangers of riding a motorcycle, too.

You may be wondering, do insurance providers offer life insurance for motorcycle riders? Is motorcycle life insurance expensive? What is my life insurance risk class?

Keep reading below to find out if insurance providers offer motorcycle rider life insurance, what rates might be, and how you can save.

But before you do, enter your ZIP code into our free comparison tool above to find affordable life insurance for motorcycle riders near you.

Can motorcycle riders qualify for life insurance?

In short, the answer is yes. Motorcycle riders can qualify for life insurance. However, the amount and cost of your coverage depends on a few additional factors.

If you are a casual motorcycle rider then you should have no problem finding life insurance coverage. A casual motorcycle rider is someone who rides occasionally on the weekends and only for short distances. Or someone who takes a road trip now and then.

However, a professional motorcycle rider may have to answer more questions during the life insurance underwriting process.

What do life insurance companies test for in underwriting? Underlying health concerns, for starters.

A professional motorcycle rider is someone who rides in competitions on a regular basis. There are more dangers associated with this type of riding, and professional riders may find it difficult to buy life insurance for motorcycle riders.

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Do motorcycle riders pay more for life insurance coverage?

As we mentioned earlier, whether you’re a casual or professional motorcycle rider determines if you qualify for life insurance coverage. However, it also determines your rate.

Life insurance rates for motorcycle riders are determined by how much of a risk you pose to the company. Aside from your age, health, and family history, the activities you engage in also factor in as potential risks.

In fact, according to the National Highway Traffic Safety Administration, motorcyclists in 2019 were about 29 times more likely than passenger vehicle occupants to die in a motor vehicle crash and were 4 times more likely to be injured.

Casual motorcycle riders still should not see rates higher than average, but professional motorcycle riders will likely see more expensive rates. This is because their profession has additional risks which will factor into the overall rate.

How can I save on life insurance for motorcycle riders?

The best way to save on life insurance in general is to maintain good health and avoid risky behaviors such as smoking, excessive drinking, and dangerous activities.

Of course, no one expects you to give up riding motorcycles, but practicing motorcycle safety by wearing a helmet and following the rules of the road will help prevent accidents and in turn prevent your rate from going up.

What’s the best way to save on motorcycle life insurance? Compare life insurance quotes for motorcycle riders from multiple companies to find the best rate.

Enter your ZIP code into our free comparison tool below to find affordable life insurance for motorcycle riders today.