Cost of motorcycle insurance: what can you count on?
Each month you will pay a cost for motorcycle insurance. The trick is to keep motorcycle insurance costs as low as possible. It sounds like a search, but it's not that bad. At Alpina.nl you can compare multiple insurers and easily choose the most suitable insurance.
What does motorcycle insurance cost and what factors influence the cost?
The monthly cost of motorcycle insurance depends on many factors. These factors vary by motorcycle and person. For a particular brand of motorcycle, the cost may again depend on the type and new value of the motorcycle. For a vintage motorcycle, yet another value may play an important role, namely the appraised value. The age of the regular driver also greatly affects the cost of motorcycle insurance. How many miles per year you drive, your zip code and additional insurance policies are also important premium determining factors.
But the amount of motorcycle insurance premium depends mainly on the coverage you want. You have the following choices:
Want to take out motorcycle insurance? Calculate your premium!
Do you only use your motorcycle in the summer? Lower costs for your motorcycle insurance
Are you a fair-weather rider? In that case, you can save on the cost of motorcycle insurance. If you do not ride the motorcycle during the period from December 1 to March 1 anyway, you can omit the winter coverage from the motorcycle insurance. The insurer is happy about this because with winter conditions, the risk of an accident is higher compared to the more summery period. The insurer will reward this smaller risk with lower motorcycle insurance costs. An effective way to be cheaper.
What other costs come with having a motorcycle?
We can let you save on the cost of motorcycle insurance, but of course there are more costs. For motor vehicle tax, you should expect to pay between €29 and €31 per 3 months. Depending on how intensively you use the motorcycle, for a reasonable new motorcycle you will end up with about €300 per year for maintenance. For older motorcycles, costs will be higher or even much higher. Do not underestimate the expense of appropriate clothing. You should not skimp on this, because with the right clothing you can avoid serious injury.
A suit alone costs between €600 and €1,000. In total, you are already approaching €2,000. Depending on the insurer's requirements, the cost of good locks can run into tens or even hundreds of euros.
Tips to save costs on your motorcycle insurance
Will you never ride in the winter anyway? Then choose motorcycle insurance with a winter break. Do you already have your motorcycle insured? Probably you can get cheaper. The only way to find out is to compare. At Alpina.nl you not only choose the motorcycle insurance at the lowest cost, you also choose the motorcycle insurance with the widest coverage. With claim-free years, you can reduce the premium even further. These can also be accumulated with a car, for example. By using claim-free years, you can take a big bite out of the cost.
The cheapest third-party liability insurance policies in 2026
| Insurer | Coverage | Price per month | Own risk |
|---|---|---|---|
| Nationale Nederlanden | WA | €8,35 | n/a |
| Unigarant | WA | €10,75 | n/a |
| Avéro Achmea | WA | €13,22 | n/a |
| Allianz Direct | WA | €23,35 | n/a |
The cheapest third-party liability + limited comprehensive insurance policies in 2026
| Insurer | Coverage | Price per month | Own risk |
|---|---|---|---|
| a.s.r. | WA+ limited comprehensive insurance | €11,03 | €500 |
| Nationale Nederlanden | WA+ limited comprehensive insurance | €14,35 | €150 |
| Avéro Achmea | WA+ limited comprehensive insurance | €28,09 | €300 |
| Allianz Direct | WA+ limited comprehensive insurance | €40,04 | €750 |
The cheapest comprehensive insurance policies in 2026
| Insurer | Coverage | Price per month | Own risk |
|---|---|---|---|
| Nationale Nederlanden | All Risk | €36,47 | €1000 |
| a.s.r. | All Risk | €48,36 | €500 |
| Avéro Achmea | All Risk | €49,93 | €300 |
| Allianz Direct | All Risk | €75,41 | €750 |
Additional coverage
Accidental occupants
Passenger injury
Legal Aid
Also view
- Is motorcycle insurance mandatory
- Frequently asked questions about motorcycle insurance
- Take out motorcycle insurance
- Compare motorcycle insurance
- What does third-party motorcycle insurance cover?
- What does all risk motorcycle insurance cover?
- Is motorcycle insurance possible without a motorcycle license?
- What does third-party limited hull motorcycle insurance cover?
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