East El Paso  |  West El Paso ☰ ˟
Logo
East El Paso Office  |  West El Paso Office
  • Nothing
  • Products
    • Automobile
    • Bonds
    • Business & Commercial
    • Commercial Auto Insurance
    • Cyber Liability Insurance
    • Farm
    • Homeowners
    • Personal Umbrella Insurance
    • Workers Compensation
  • Get A Quote
    • Auto Insurance Quote
    • Bond QuotesImage of right arrow
      • Bid Bonds
      • Commercial Bonds
      • Contract Bonds
      • Contractor License Bonds
      • Court Bonds
      • Fidelity Bonds
      • Payment Bonds
      • Performance Bonds
    • Business QuotesImage of right arrow
      • Business Auto
      • Business Income
      • Business Owners (BOP) Quote Form
      • Business Property
      • Contractor Insurance
      • Equipment Breakdown
      • General Liability Quote Form
      • Real Estate Errors and Omissions
      • Workers Compensation Quote
    • Farm Quote
    • Flood Quote
    • Health Insurance Quote
    • Homeowners Insurance Quote
    • Life Insurance Quote
    • Motorcycle Insurance Quote
    • Recreational Vehicle Insurance Quote
    • Renters Insurance Quote
    • Watercraft Insurance Quote
  • Resources
    • About UsImage of right arrow
      • Meet Our Team
      • Our Locations
      • Local Businesses We Love
      • Nationwide Coverage
    • Blog
    • Secure Area
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Get Your Nationwide© Coverage from Crossland Coverage
  • Contact Us
    • East El Paso Office
    • West El Paso Office
    • Locations & Hours
    • Get A Quote
Automobile Icon

Automobile

We browse through a wide variety of coverages and find the right one for you.

Learn More
Homeowners Icon

Homeowners

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Farm Insurance Icon

Farm Insurance

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Are Motorcycles Seen By Insurers As High-Risk?
THURSDAY, JANUARY 13, 2022

Are Motorcycles Seen By Insurers As High-Risk?

Sometimes what starts as a misconception or a mere assumption makes its way into the public consciousness as fact simply because it makes sense on the surface. There are no statistics to back up the myth that suicides spike around the holidays, but the myth persists. However, this is not the case with motorcycles. They are more dangerous than cars, and we have the numbers to prove it: 
motorcycles on the road
  • Per miles traveled, motorcycle related deaths were almost 28 times higher than car related deaths in 2016. 

  • 2013 saw 4,381 motorcycle fatalities total. 

  • 2017 saw 5,172 motorcyclist fatalities. 

  • Only nineteen states, and D.C., enforce helmet laws. 

  • Motorcycles are an anomaly in insurance statistics in that motorcyclists over 50 now make up the bulk of fatal accidents, at nearly 40 percent. This is in stark contrast to car accidents, where younger drivers are seen as the most high-risk drivers. 

  • New safety features aren't a major priority for motorcycle companies or their customers, given the inherent dangers of driving without a protective metal cage around you. 


In short, yes, your motorcycle insurance provider does see motorcycles as high-risk — and with good cause. 

Of course, you're going to be graded on a scale, just as in any other area of insurance. If you have a clean record, if you have very few accidents, or if you don't have any run-ins with the law, then you're likely going to be given a better deal than the next rider. But your insurer is going to give you a rate that reflects the inherent dangers of riding a motorcycle. 

Comprehensive and collision coverage may be a little cheaper than car insurance given that motorcycles cost less than four-wheeled autos. However, liability is the big concern when it comes to insurance. So, you should expect your motorcycle insurance rates to be determined in light of the higher liability associated with riding on highways and city streets on two wheels. 
Posted 5:25 PM

Tags: motorcycle insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020

  • auto insurance(4)
  • medicare(3)
  • home insurance(2)
  • car insurance(2)
  • commercial(1)
  • remodeling home(1)
  • surety bonds(1)
  • whole life insurance(1)
  • life insurance(1)
  • toy vehicle insurance(1)
  • general contractors(1)
  • open enrollment(1)
  • term life insurance(1)
  • workers compensation insurance(1)
  • motorcycle insurance(1)
  • bop insurance(1)
  • business(1)
  • interruption(1)
  • homeowners insurance(1)
  • general liability(1)
  • commercial auto insurance(1)
  • flood insurance(1)
  • insurance(1)
  • general liability insurance(1)

View Mobile Version

Contact Us Today!
East El Paso Office 915.629.0274
West El Paso Office 915.584.5480

Facebook Icon LinkedIn Icon Google Icon

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1590 Joe Battle Boulevard
El Paso, TX 79936

East El Paso Office 915.629.0274  | West El Paso Office 915.584.5480
Fax: 915-629-0350 | Email Us
© Copyright. All rights reserved. | Powered by Insurance Website Builder