Compare motorbike insurance quotes from 25+ trusted UK providers. All cover types for all bike types.
Compare motorbike insurance from 25+ trusted UK providers.
All cover types for all bike types.
You could pay less than £255.*
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Motorbike insurance costs vary widely depending on the type of bike you ride, your experience, and where you live. Comprehensive cover for a 125cc bike starts from around £405, while high-performance sports bikes can cost well over £1,000.
£405+
Comprehensive insurance from this price for a 125cc bike
25+
UK providers compared via Brumble
1.47m
Licensed in summer (Q2 2025). 1.36 million year-round (Q4 2025).
NimbleFins, Average Cost of Motorcycle Insurance UK, 2026 (30-year-old rider, 5 years NCB, comprehensive cover, 3,000 miles per year). Department for Transport, Vehicle Licensing Statistics.
Engine size is one of the biggest factors. NimbleFins found that comprehensive cover for a 125cc Honda PCX starts from around £405, rising to around £459 for a 900cc Yamaha Tracer and £713 for a 1200cc BMW R1200 GS. Where you live matters too. Riders in London and other urban areas typically pay more than those in rural locations due to higher theft rates.
Your premium depends on several factors including your age, riding experience, the bike's engine size and value, where you live, where you park overnight, and your claims history. Younger riders and those on larger or sports bikes pay significantly more. Riders over 25 with a clean record and a 125cc commuter bike can often find cover for under £300 per year.
For a detailed breakdown of costs for new riders, including figures by age and bike type, see our guide to first motorbike insurance.
1.36 million
Licensed motorcycles, scooters and mopeds in the UK
DfT, Q4 2025
100,400
New motorcycles registered in 2025
DfT, 2025
233,300
Motorcycles in the South East, the UK's most popular region
DfT VEH1104, Q4 2025
The number of motorcycles on UK roads has grown steadily over the past decade, rising from 1.23 million in 2014 to 1.36 million in 2025. Growth accelerated during and after the pandemic as riders turned to two wheels for commuting and leisure. The UK motorcycle fleet shows a strong seasonal pattern, peaking at around 1.47 million in summer when more bikes are taxed and on the road.
Brumble analysis of DfT Vehicle Licensing Statistics, VEH0101 and VEH0150, April 2026.
There are three main levels of motorbike insurance in the UK. Understanding the difference helps you choose the right level of cover for your bike and budget.
The highest level of motorbike insurance. Covers accidental damage to your own bike, theft, fire, and third party claims. Often the most cost-effective option, as insurers view comprehensive riders as lower risk. Recommended for most bikes worth more than a few hundred pounds.
Covers damage and injury you cause to others, plus protection if your motorbike is stolen or damaged by fire. A popular mid-tier option for older or lower-value bikes where the cost of comprehensive cover may not be justified.
The legal minimum required to ride in the UK. Covers injury and damage you cause to other people and their property, but provides no cover for your own bike. Not always the cheapest option, so always compare quotes for all three levels.
Beyond the three standard cover levels, there are specialist policies for specific needs. Temporary motorbike insurance covers you for a single day or short period, useful for test rides or borrowing a bike. Multi-bike policies cover two or more motorcycles on a single policy at a discounted rate. Classic motorcycle insurance is designed for vintage and collector bikes, often with agreed value cover. And courier or delivery insurance covers riders who carry goods or food for commercial purposes.
There are several practical steps that can reduce what you pay for motorbike insurance.
Insurers price risk differently, so the same rider can be quoted very different amounts. Always compare before you buy or renew, as your current insurer is rarely the cheapest.
Performance upgrades, custom exhausts, and cosmetic changes all need to be declared and can increase your premium. If you do modify your bike, always tell your insurer, as failing to declare changes can invalidate your policy.
Fitting approved locks, chains, ground anchors, or a GPS tracker signals to insurers that your bike is less likely to be stolen. Keeping your bike in a locked garage also helps. See the motorbike theft section below for more on how security affects your premium.
Engine size, power output, and the insurance group your bike sits in all affect your premium. Smaller, lower-power bikes are generally cheaper to insure. If you are buying a first bike, compare insurance costs before you commit.
Parking on the street, especially overnight in an urban area, is a red flag for insurers. A locked garage or secure storage facility can meaningfully reduce your quoted premium.
Completing a recognised course such as IAM RoadSmart or a BikeSafe workshop demonstrates safer riding habits and can qualify you for a discount with many insurers.
Paying your premium upfront in one annual payment is almost always cheaper than monthly instalments, which typically include interest. If you can afford it, paying annually is an easy saving.
40,000+
Motorbikes stolen per year in the UK
1 in 5
UK riders have had a bike stolen
Carole Nash, 2024
Midnight to 4am
When most motorcycle thefts occur
BikeTrac, 2025
Yamaha
Most targeted brand, followed by Honda and BMW
BikeTrac, 2025
Motorcycle theft is a major factor in insurance pricing. Bikes are easier to steal than cars, with many thefts taking less than 60 seconds. London is the worst-affected area, with over 9,000 motorcycles and scooters stolen in the past year alone. Thefts have been trending downward since 2022, but the risk remains significant, particularly for popular models like the Yamaha MT range.
Fitting approved security devices can reduce your premium. Most insurers offer discounts for Thatcham-approved disc locks, chains, ground anchors, and tracking devices. Keeping your bike in a locked garage rather than on the street also makes a meaningful difference. Some policies require minimum security as a condition of cover, so always check what your insurer expects.
BikeTrac 2025 Theft and Recovery Review. Carole Nash Motorcycle Theft Survey, 2024. Metropolitan Police motorcycle theft data, 2025.
13,500
Electric motorcycles licensed in the UK
DfT VEH1103, Q4 2025
1%
Share of all licensed motorcycles that are electric
DfT, 2025
Electric motorcycles remain a small part of the UK fleet, with around 13,500 on the road at the end of 2025. Unlike the rapid growth in electric cars, the electric motorcycle market has been relatively flat, dipping slightly from 14,200 in 2023. Insurance for electric motorcycles can be more expensive due to higher purchase prices and specialist repair costs, but the gap is narrowing as more insurers add electric models to their panels. If you ride an electric motorcycle, scooter, or moped, you can compare specialist cover via Brumble.
Brumble analysis of DfT Vehicle Licensing Statistics, VEH1103, Q4 2025.
The type of motorbike you ride has a big impact on what you pay. Here is a rough guide to typical premiums by category.
| Bike Type | Examples | Typical Annual Premium |
|---|---|---|
| Moped / Scooter (50cc) | Honda Vision, Vespa Primavera | £300 - £500 |
| Commuter (125cc) | Honda CB125F, Yamaha MT-125 | £400 - £700 |
| Naked / Streetfighter | Yamaha MT-07, KTM Duke 390 | £450 - £800 |
| Adventure / Touring | BMW GS, Triumph Tiger | £500 - £900 |
| Sports Bike | Yamaha R6, Kawasaki ZX-6R | £600 - £1,500+ |
| Classic / Vintage | Triumph Bonneville, BSA | £250 - £600 |
| Cruiser | Harley-Davidson, Indian Scout | £400 - £900 |
Indicative premiums based on NimbleFins analysis of UK motorcycle insurance quotes via Quotezone, 2026. Profile: 30-year-old male, 5 years NCB, full UK licence, comprehensive cover, 3,000 miles per year. Your quote will depend on your individual circumstances.
Where you live affects your motorbike insurance premium. Areas with more bikes on the road, higher theft rates, or more urban traffic tend to see higher premiums. Here is how the UK's motorcycle population is distributed across the regions.
233,300
licensed motorcycles
173,500
licensed motorcycles
154,300
licensed motorcycles
120,300
licensed motorcycles
118,000
licensed motorcycles
114,800
licensed motorcycles
109,900
licensed motorcycles
105,200
licensed motorcycles
79,500
licensed motorcycles
69,300
licensed motorcycles
41,400
licensed motorcycles
27,200
licensed motorcycles
Brumble analysis of DfT Vehicle Licensing Statistics, VEH1104, Q4 2025.
Brumble analysis of DfT data shows the South East has the highest concentration of motorcycles in the UK, with over 233,000 licensed bikes. The South West and East of England follow closely. London, despite its large population, ranks sixth for motorcycle registrations, likely reflecting the challenges of urban bike storage and higher theft rates in the capital.
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Content produced by
Ryan is the founder of Brumble and has over a decade of experience in the UK motor finance and insurance industry. He created Brumble to make it easier for UK drivers to understand the insurance and finance world by cutting through the jargon.
Originally published: 20 April 2026 · Last updated: 29 May 2026
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