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How Much is Dirt Bike Insurance?


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While the costs of registration, plates, and insurance are a given for a street motorcycle, dirt bike insurance is not something every rider thinks about. 

However, it pays to have your dirt bike covered. And luckily, it shouldn’t cost you too much! 

Whether you’re looking for liability protection in the event you cause an accident, or you’re looking for protection from things like theft, fire, water damage, etc. – a good dirt bike policy can get you what you need. 

Choosing the right policy will protect you financially and help you repair or replace your bike if necessary. 

Riding off-road can be a fun, but dangerous hobby. Riding without the right coverage is even riskier. 

Keep reading to learn more about the average cost of insurance coverage for a dirt bike. 

Dirt Bike Insurance Cost Estimates

If you’re worried about adding yet another big expense to your monthly/annual bills, you can relax a little bit. Compared to the cost of motorcycle insurance, dirt bike coverage is typically a lot less.

Now, if you ride a street legal dirt bike on public roads, you’ll need to meet your state’s minimum insurance requirements.

However, if you’ve got an off-road-only dirt bike, you’ll have a little more flexibility when it comes to the coverage you’ll need. 

On average, basic dirt bike coverage (minimum liability coverage) will cost you $75 to $100 per year. 

From there, you can add optional coverage to protect your dirt bike from theft, fire, floods, and other damages. 

Full coverage for a dirt bike will still only cost you a few hundred dollars per year. 

To recap, here’s what you can expect to pay for dirt bike insurance from most of the major providers.

Dirt Bike Coverage TypeAnnual CostMonthly Cost
Minimum Coverage$75 to $100 per year$6 to $10 per month
Full Coverage$200 to $500 per year$15 to $40 per month

As you can see, dirt bike coverage is generally a lot less expensive than a street motorcycle policy. 

For off-road-only dirt bikes, the insurance coverage is often cheaper because:

  • You’re not riding in street traffic. 
  • You may ride less often than you would a street motorcycle. 
  • A dirt bike is typically cheaper than a street motorcycle. 
  • Dirt bikes are slower and less powerful than street bikes. 

What determines the cost of dirt bike insurance?

Just like motorcycle insurance, the total cost will depend on a variety of factors, including:

  • The type of dirt bike you own. 
  • Your riding experience and driving history.
  • Your age and location. 
  • How often you ride your dirt bike. 
  • The value of your dirt bike. 
  • The type of motorcycle coverage you need. 

Fortunately, getting cheap dirt bike insurance is usually even easier than getting a cheap motorcycle insurance policy. Check out some tips below.  

How to Save Money on Dirt Bike Insurance

While dirt bike insurance is relatively inexpensive already, it’s always best to get the best deal possible. 

First, your driving history and demographics are going to play a big role in your policy rates. 

If you’re a younger rider or have a history of traffic violations, accidents, and claims, you can expect your premiums to be much higher. 

If you’ve got some riding experience under your belt and have a history as a safe rider, your rates will be much cheaper. 

One great way for any rider to save on dirt bike insurance is by completing an approved motorcycle safety course

Next, you can lower the cost of your premiums by choosing higher deductibles for some of your optional coverages. The higher your deductible, the lower your premiums. 

However, a higher deductible will mean that you will need to pay more out of pocket before your coverage kicks in when you file a claim

Finally, you can save money on dirt bike insurance by qualifying for a variety of discounts, such as:

  • Multi-policy and bundling discounts. 
  • Paying in full. 
  • Installing an anti-theft device. 
  • Being a member of a riding club. 

You can learn more about available motorcycle insurance discounts here. 

Whatever you do, be sure to shop around and compare dirt bike insurance quotes from a few different providers.

Different insurance companies may offer vastly different rates for the same policy. You can save a lot of money by simply comparing a few quotes.

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