Cheapest Motorbikes to Insure

;

Table Of Contents

Anyone who’s owned a motorbike will know that insurance can get pricy – particularly for younger drivers and other people that insurance companies often class as higher risk. Your choice of bike plays a big role in getting the lowest price bike insurance. If you’ve been wondering how to get cheap motorcycle insurance, then this is the thing for you – we’ve got the lowdown on the cheapest motorbikes to insure, so you can enjoy the thrill of the ride without breaking the bank.

Factors Influencing Motorbike Insurance Costs

There are a lot of factors that influence the average price of insurance for a motorcycle. These include:

  • Engine Size and Power: Smaller engines are often cheaper to insure.
  • Bike Type: The type of bike you ride can make a huge difference. Sports bikes, for instance, are often pricier to insure than things like scooters.
  • Age and Experience: Insurers will often charge more to insure a younger or inexperienced rider. Many riders find that their premiums lower once they’ve been riding for a few years and after the turn 25.
  • Safety Features: A bike installed with things like anti-theft devices will help bring your insurance premiums down.
  • Manufacturer: Some insurers will charge more or less based on the manufacturer of the bike and model-specific risks.

Affordable Motorbikes to Insure

Honda CB125F

The Honda CB125F has a 124cc single-cylinder engine. You can buy one for between £2,000 and £3,000. Its smaller engine, lightweight design, and reliability make it a common choice for learners and commuters, so you can often enjoy relatively inexpensive motorcycle insurance.

Yamaha YBR125

The Yamaha YBR125, with a 124cc engine, typically costs around £1,500 to £2,500 second-hand. It’s durable, simple to use, and has a reputation as a learner-friendly bike which all contribute to lower insurance premiums.

Kawasaki Ninja 250

The Kawasaki Ninja 250 is equipped with a 249cc twin engine, which combines sporty aesthetics with moderate power. It’s a good choice for new and intermediate riders, but that larger engine can drive up insurance costs a little. It’s also in a slightly higher price bracket, costing between £3,000 and £5,000.

Suzuki DR-Z400SM

The Suzuki DR-Z400SM has a 398cc single-cylinder engine and costs between £5,000 to £7,000. Its design is sleek and powerful, built for speed but with a lot of practicality. It’s a better model for more experienced riders, and may not always come with the cheapest premiums, but with more experience as a rider, you’ll benefit from lower rates.

Vespa Primavera 50

The Vespa Primavera 50, with its 49cc single-cylinder engine, costs between £3,000 to £4,500. The small engine size, ease of handling, and stellar reputation for safety make it a favourite for city riders and newly qualified rider, making it one of the cheapest motorbikes to insure.

How to Reduce Motorbike Insurance Costs

There’s a lot that can affect how much your insurance premiums will be – the motorbike itself is just one factor. If you want to know how to get cheap motorcycle insurance, you’ll need to think about the many other factors that influence the cost. So, in addition to choosing a bike with a smaller engine size, you should make sure you’ve completed your CBT (compulsory basic training) on motorcycle riding. This may go without saying, but most insurers will view you as a higher risk if you haven’t yet completed your full training!

You should also use anti-theft devices – these can often reduce the cost of your premiums. Check with individual insurers to see what types of anti-theft devices will give you the best savings. You could also consider taking out less comprehensive insurance. The legal requirement is to have third party, fire and theft as a minimum. This insurance, unlike comprehensive insurance, will come with lower premiums. And, finally, keeping your licence clean is crucial to keeping those premiums low. Adhere to the laws of the road at all times and enjoy sustained, affordable insurance premiums.

Get Motorbike Insurance Quote Today

If you’re on the hunt for the lowest price bike insurance, you’re not alone! It can feel like an impossible task, but there are quality insurers out there that can offer you excellent deals that will get you riding safely and affordably. Look at the different options for cheapest motorbikes to insure and see if any of them fit your requirements as a rider.

If you want to find the right insurance, we can help at Motorcycle Insurance. Get a quote today and enjoy the affordable cover you deserve!