Motorcycle Insurance Cost Estimator
Get an indicative annual comprehensive insurance premium range in seconds. Enter your bike details, rider age, years licensed and state for an instant estimate.
Motorcycle Insurance Estimator
Enter your details for an indicative annual comprehensive insurance premium range. This is a guide only and not a quote. Actual premiums vary by insurer, bike model and individual circumstances.
Fill in all fields above to see your estimated premium range.
Factors That Affect Your Premium
- •Agreed vs market value cover
- •At-fault accident history
- •Modifications to the bike
- •Secure overnight storage
- •Annual km ridden
- •Named vs any-rider policy
How to Lower Your Premium
- ✓Store your bike in a locked garage overnight
- ✓Choose a higher excess to reduce the base premium
- ✓Complete an advanced rider training course
- ✓Add an immobiliser or GPS tracker
- ✓Compare at least four insurers before committing
- ✓Check if your club membership provides a discount
Insurers to Compare
- →AAMI
- →NRMA Insurance
- →QBE
- →Budget Direct
- →Youi
- →Swann Insurance
- →Western QBE
Always compare directly through each insurer and through a licensed broker for the best result.
Types of Cover
- ComprehensiveCovers your bike and third-party damage
- Third Party PropertyCovers damage you cause to others only
- Third Party Fire and TheftAs above plus fire and theft of your bike
How Motorcycle Insurance is Priced in Australia
Australian motorcycle insurance is priced using a combination of factors specific to the rider, the bike and the location. Understanding these factors helps you make better choices when selecting cover and potentially reduce your premium.
Rider age is one of the most significant factors. Riders under 25 statistically have higher claim rates and pay significantly higher premiums as a result. This typically moderates once you have several years of claim-free riding history.
The engine capacity of your bike affects both the base premium and the potential claim cost. Open-class motorcycles above 600cc attract higher premiums due to their performance capability and the higher cost of repairing or replacing them.
Location matters considerably. Inner-city riders in Sydney and Melbourne face higher theft risk and more complex traffic environments, reflected in higher state premiums. Rural and regional riders often pay less, though this can vary by specific postcode.