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How Difficult Is It To Get Life Insurance As A Motorcycle Rider?

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Unless you’re a professional motorcycle rider, your access to affordable life insurance shouldn’t be affected by your riding.

If you’re a motorcycle rider, you may be concerned about how it will impact your life insurance rates and approval odds.

Fortunately, riding a motorcycle doesn’t automatically equate to higher life insurance rates.

Like any other hobby or job that could be considered risky, you may have to answer some questions about your riding habits on your application.

As long as you work with the right carrier and ride responsibly, there’s nothing holding you back from getting a great policy.

Does Riding a Motorcycle Limit Your Access to Life Insurance?

If you’re a casual motorcycle rider, meaning you use your bike to commute or enjoy riding as a pastime, you probably won’t experience any rate increases or be declined.

However, if you regularly compete in motorcycle races or motocross events, your access to coverage could be affected.

Whether you’re an amateur or pro racer, you can expect to answer questions like:

  • How often do you ride?
  • How many miles per year do you ride?
  • Do you wear a helmet?

Most life insurance companies won’t ask about your riding habits, but some consider motorcycle riding more seriously than others.

Depending on the level of riding you do and the precautions you take, you’ll be placed in a rating class.

Sometimes, high risk hobbies can result in a flat extra, an additional premium per thousand dollars of coverage.

If you’re a safe rider, you’ll have access to many excellent life insurance companies who won’t penalize you for riding.

What Other Factors Affect Your Life Insurance Rates?

While the questions above may or may not influence underwriting, the factors below will weigh more heavily on your application.

The life insurance company will base its decision on these factors:

  • Age
  • Weight
  • Sex
  • Health
  • Family health history
  • Tobacco use
  • High-risk careers or hobbies
  • Driving record

When you apply for a policy, the company will access your motor vehicle records, both behind the wheel and on your bike.

If your motor vehicle report implies you’re a reckless driver, it might hurt your rates and eligibility.

DUIs, DWIs, and frequent speeding tickets can all work against you if you’re trying to secure an affordable policy.

How to Get the Best Rates as a Motorcycle Rider

While riding casually might not directly affect your life insurance application, the way you ride can have some consequences.

Here are a few strategies to help you lock in coverage at the best rate possible:

  1. Wear a helmet: If you’re in an area that requires helmets, be sure to adhere to the law. Depending on where you are, a helmet violation could cost more than a fine.
  2. Follow the law: In addition to wearing a helmet, you should avoid speeding and other traffic violations, keeping your record as clean as possible.
  3. Don’t drink and ride: You should never ride under the influence of drugs or alcohol. Not only do you put your life and other drivers’ lives at risk, but you could be denying yourself affordable life insurance.
  4. Compare quotes: Since every carrier views risk factors differently, you should compare rates from several providers to find the one that will offer you the lowest rates.
  5. Be honest: You should always be truthful on your life insurance application. If your application asks questions about your motorcycle riding, answer them honestly.


Jason Fisher

Jason Fisher is the founder and CEO of, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.