Motorbike Insurance Calculator
Calculate UK bike insurance costs- Estimate the effects of policy changes
- Over 25 motorbike brokers compared
- See the true cost of your bike insurance
How much is motorcycle insurance in 2025? Use the motorcycle insurance calculator to quickly discover how much it costs to insure your motorbike in the UK this year.
Don't rely on guesses or estimates. Get real quotes from FCA regulated brokers for your personal circumstances and the motorbike you want to insure.
Prices from 25+ bike insurance experts
Quotes calculated from FCA regulated UK brokers
Most manufacturers, models & bike styles
From Aprilia to Yamaha, Scooter to Superbike
One quick form - only takes 5 minutes
Make policy changes to see what happens to your quotes
How much is motorbike insurance?
Find out based on your circumstances and your bike
Discover how much motorbike insurance costs from 25+ insurers, including:
Motorbike insurance costs UK
Every quarter at Biker Insure, we are provided with savings figures from Seopa - the provider of the comparison service available via this site. The current savings figures are: You could pay less than £255*.
The £255 savings figure is the cost of quotes received by 51% of customers during June 2025.
By contrast, this figure stood at £285 for quotes received during January 2025, representing a 10.5% drop in the cost of UK motorbike insurance quotes obtained using this service.
Although no figure is given for further percentiles, the regularity of these quarterly updates may provide something of a bellweather to fluctuations in UK motorbike insurance costs.
Calculate your motorbike insurance costs in 2025
The motorbike insurance calculator comparison tool available via Biker Insure compares annual UK motorcycle insurance quotes. It allows you to run a motorcycle insurance price check and can be a great way to save money on your bike insurance premium. By comparing quotes from over 25 FCA regulated UK motorbike insurers, you can discover how much your motorbike insurance will cost when based on your individual circumstances.
How to calculate a motorbike insurance quote
To calculate motorbike insurance and find the cost of quotes for you, simply enter your personal details, your motorbike’s information, and the type of cover you are looking for. The quote comparison system will then calculate and rank insuers on the panel from low to high.
Can amendments be made?
It’s easy to re-calculate and revise your motorbike insurance quotes via Biker Insure. If you want to see how much your quotes could change based on different inputs or estimations, simply re-quote to calculate what happens if you decide to alter the voluntary excess, level of cover, or another insurance variable.
What about motorbike modifications?
It’s super easy to estimate how your quotes will change if you're thinking of adding any after market parts to your machine. There's a unique modifications section which allows you to select from well over 100 common motorcycle mods.
Reasons to use a motorbike insurance calculator
There are many reasons why you might want to estimate motorbike insurance costs. Here are just a few:
- To discover if changes to the voluntary excess amount affects your bike quotes.
- You want to see how much the level of cover - Fully Comp, TPFT or TPO - impacts your prices.
- You don’t currently own a motorbike but are thinking of buying one, and want a motorcycle insurance estimate to check the costs.
- You’re considering a change of bike and want to estimate how much your premium is likely to alter.
- You are thinking of moving house and want to work out if your motorbike insurance quotes will change.
- You want to make some modifications to your motorbike, and need to evaluate how this could affect your quotes.
- You’re thinking of adding some security and want work out which changes (such as a Thatcham Category 2 alarm, Datatag, or physical security) will reduce your quotes the most.
- To estimate the impact of different annual mileages on your quotes.
- To work out if it's worth including pillion passengers on your policy.
- To calculate how much it costs to add additional riders to the policy.
- To see how much extra it would cost if you started to use your bike for business purposes.
Everyone wants to know the cost of motorbike insurance...
UK bikers want to know how much their motorbike insurance will cost.
From April 2024 to April 2025, Biker Insure web stats showed 17.5k searches on the keyword “how much is motorcycle insurance”, or variants of this search that included “how much...”
It’s not hard to see why: insurance is one of the biggest expenses of motorcycle ownership. The price of insurance can greatly influence decision making processes when looking for a new motorbike, and it’s important to know the yearly running costs when looking to change bikes or move to a more powerful model.
The “how much is motorbike insurance” search typically returns results from UK motorcycle insurance comparison sites who list details of average or median motorcycle insurance costs based on sales or quote data over a specified period of time.
The data might be interesting as a ball park comparison of prices between different providers, but it really doesn’t tell us very much at all about the real world (insurance) costs of ownership.
Leaving aside the problems of statistical analysis, especially when applied in a marketing context (torture the statistics long enough and they’ll confess to anything…), the prices listed really don’t mean very much at all. Why?...
The cost of motorbike insurance is very specific to your individual circumstances, and the bike you ride. Average or median prices usually encompass all quotes given to everyone, which can mean that comparison sites used more by older riders, or those providing lots of quotes for 125cc motorbikes and scooters for example, can really skew the results.
It’s easy to run a two second search and find websites listing the average costs of motorbike insurance, or even to ask an AI. But this won’t help with calculating how much YOUR bike insurance will cost, because quotes are so specific to your individual circumstances and the motorbike you ride.
When you get a quote via Biker Insure, it'll only take a few minutes more. You’ll be able to see at a glance how much motorbike insurance costs for YOU and YOUR bike from a wide variety of providers. This removes the guesswork and gives real life prices on which to base your motorbike insurance buying decisions.
How motorbike insurance is calculated
When calculating the price of your policy, motorbike insurance brokers need to evaluate the risks they are taking on. Prices are set according to the relative risk of insuring an individual bike and biker, with estimates and calculations being made to work out the likelihood of a claim. Insurers also need to make an assessment of the average costs should a claim payout be made.
Motorcycle insurance underwriters need to make a profit in order to keep providing their services. A key element of this is making sure that more revenue is coming in from policy sales than is being paid out in claims.
This means that motorbike insurance brokers (or more accurately the underwriters) need to very carefully estimate how risky each unique set of circumstances is. The riskier the cover or the higher the level of uncertainty, the more a bike policy is likely to cost.
Underwriters use a multitude of signals to work out the cost of a motorbike policy. There are many factors at play but as a rule of thumb, the biggest price changes can be accounted for by the following variables:
3 major variables used to work out the cost of your policy:
Where in the UK you live
Different geographical areas of the UK carry different risk weightings. This is due to a combination of factors including how likely it is that your motorbike will be stolen, and the frequency of road traffic accidents involving motorcyclists. Motorbike insurance in London for example, is likely to be more expensive than bikers living in the Scottish Highlands.
Your age & riding experience
Learners and new riders are a much higher risk. This is because the average 18-year-old is statistically far more likely to be involved in an accident than your average over 50s biker. New riders also haven’t had time to build up a riding history and no claims bonus.
As a rule of thumb as you age, your motorbike insurance calculation should become relatively cheaper – although costs can sometimes start to increase again for older riders.
The make and model of your bike
It’s much easier to get into serious trouble on a Ducati Panigale than it is on a 125cc motorbike. The Panigale will also be considerably more expensive to replace in the event of a claim.
Generally speaking, bigger and more powerful bikes are more expensive to insure than smaller capacity machines.
The age of the bike also comes into play, with the market value (and therefore cost of replacement) generally falling over time, up to a point.
Of course, there are more factors that come into play when calculating your premium. Not least the level of cover you require, your occupation, how much you’ll be riding the bike, plus the level of your voluntary excess. These variables and more all interact together using complicated modelling and calculations that are best left to the number crunching actuaries to estimate.
Calculating the cost and working out how much motorbike insurance will cost for an infinite number of permutations is not a simple task!
Further complicating matters are the bike insurance brokers. These are the businesses who buy policies from underwriters, add a margin, and sell them on to bikers. They're the face of the motorcycle insurance industry
Each broker has their own individual set of circumstances and business costs to deal with. Every broker also has a unique relationship with their underwriters. This means that two identical bike policies can be priced very differently depending on which broker you buy from, or even the date you need cover to start.
How much motorbike insurance costs
Motorbike insurance policy prices vary significantly and depend on many of the factors mentioned above, plus any additional extras you add to the policy. The calculation is very dependent on individual circumstances.
When you use the motorcycle insurance estimate calculator via Biker Insure, the system compares over 25 motorcycle insurance providers so you'll be able to see at a glance bespoke estimates for the price of your policy.
See the cost of motorbike insurance for you and your bike by getting a quote now:
Do I have to enter my personal information?
Personal information is an essential part of the calculation, and it isn't possible to estimate your motorbike quotes without this.
Your motorcycle's insurance group can give you a relative idea of how much your motorcycle insurance might cost (i.e. more or less expensive when compared to other makes and models), but your personal information is used to assess the risk and cost for your individual circumstances and give a firm calculation of the price you'll pay for your motorcycle insurance.
Thankfully for the average biker on the street, it's now easier than ever to work out the cost of bike insurance.
Use the calculator via Biker Insure to deliver quotes from multiple brokers, and try not to worry how they arrived at your quotes! Focus instead on the price, level of cover and any extras included in your motorbike insurance to estimate which policy is best for you.
I just want a quick bike insurance estimate
The whole process shouldn't take more than a few minutes to complete.
If you don't know the details of your motorbike because you haven't bought it yet and just want a motorcycle insurance estimate, you can select the make and model from the dropdown list (or get the reg number of a similar model and age of bike that's for sale).
If you have entered your personal details accurately, then you should get a pretty reliable ball park estimate of how much your motorbike insurance could cost when you actually buy the bike.
Don't just calculate. Compare motorbike insurance!
Motorbike insurance can be confusing. Thankfully, the days of working out your insurance costs by getting quotes from multiple individual brokers is over.
There are lots of motorcycle insurance brokers competing for your business. In theory, this competition should exert a downward pressure on prices, but the choice can sometimes be overwhelming.
That's when the motorcycle insurance estimate calculator via Biker Insure can become such an invaluable tool to work out the cost of your motorbike insurance.
How could the motorbike insurance calculator save you money?
It’s now easier than ever to compare and automatically calculate how much your bike insurance will cost - in a matter of minutes.
Via Biker Insure, you can compare motorbike insurance from over 25 UK based brokers. The results are calculated and impartially ranked from cheapest to most expensive. Simply choose the policy that works best for you.
The service is completely free, quick, and easy to use. Because it’s simple to amend the form and run quotes multiple times, you can calculate which motorbike insurance policy could work out best for you.
Whether you're buying a new bike, had a change in personal circumstances, or want some hypothetical quotes for a future you and your bike, use the motorbike insurance calculator to compare motorcycle insurance today!
Scooter insurance calculator
You can also calculate the cost of your scooter insurance via Biker Insure. In fact, it doesn't matter whether you ride a scooter, superbike, tourer, a 50cc moped or adventure bike - you can compare prices for most makes and models of motorcycle and scooter.
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in June 2025 were quoted less than £255.01. The price you could achieve is dependent on your individual circumstances.