The Cost of Motorcycle Insurance in US

The Cost of Motorcycle Insurance in US

Motorcycle insurance can vary significantly from state to state, averaging $702 per year in the United States. Because there are fewer motorcycles on the road versus cars, the insurance premiums options are more limited.

Motorcycle Insurance Cost Map

The above graphic is published on the website Howmuch.net and offers a visual representation to understand insurance costs. For instance, the insurance premium for motorcycles is based on the rider’s age and the amount of coverage that the rider is requesting. To begin with, the cost of motorcycle insurance varies significantly from state to state. For example, it may cost up to $1,360 per year in California, whereas in North Dakota, it can cost as little as $382. The large gap in price fluctuations are usually:

  • The length of the driving season 
  • The number of automobiles on the road 
  • The hazard of the streets 
When it comes to ridership rates, a similar variation may be found. Mississippi (1.38 percent), Texas (1.67 percent), and Alabama (1.38 percent) are just a few of the states with low ridership (2.25 percent). However, some states, such as Wisconsin (5.89 percent) and South Dakota, have a comparatively high percentage of motorbikes on the road (9.47 percent ).  There’s also a link between the number of motorcycles on the road and motorcycle insurance costs. In other words, getting motorcycle insurance is less expensive if many other individuals in your state are also purchasing the insurance. Look at the state differences between the Northern Plains and the Deep South. For example, motorcycles account for 13.82 percent of all vehicles on the road in Montana, with an average insurance cost of $532. Motorcycles account for barely 1.38 percent of the market in Mississippi, and riders must spend $677 in insurance.  Can the insurance companies lower their premiums if we have more motorcycles on the road? 
This data was used citing two sources; Value Penguin, a website that allows you to give straightforward and reliable analysis to aid decision-making, and the U.S. Department of Transportation for 2017. Keep in mind that motorcycle insurance is not required in all states and coverage requirements differ by state. Nevertheless, the graphic can help you map the average annual insurance cost and is definitely worth reviewing.
Sources:
 “HowMuch.net, a financial literacy website”
 “ValuePenguin” https://www.valuepenguin.com/average-cost-of-motorcycle-insurance
 2017 Data “U.S. Department of Transportation” https://www.fhwa.dot.gov/policyinformation/statistics/2017/
The Best Motorcycle Helmet

The Best Motorcycle Helmet

Selecting the right motorcycle helmet during hot riding days can be challenging. PerformanceGadgeStore.com is located in Florida and we have a fair amount of sunshine days, but also with the sunlight comes the HEAT. As a rider, father, and husband, the main goal is to arrive safely no matter where I go. We all have some tolerance to the heat, but riding a motorcycle with Flip flops, shorts, and tank tops does not seem to be a good idea at all. Perhaps this can be the default option for some riders but let us be realistic too. Florida, like any other State, has rules for motor vehicles. Motorcycle riders should understand that having minimum protection while riding can save you from nasty sunburns, road rash, or even death. Today motorcycle safety equipment like helmets, jackets, shoes, etc., is very affordable. This is due to the technological advances in manufacturing that are helping to keep prices within everyone’s budget.
 
A helmet’s main purpose is to save or minimize the risk of cracking your skull from a direct impact on the asphalt. Yep, it sounds blunt, but that is the reality. An exterior shell, an impact-absorbing lining, comfort padding, and a superior retention system all work together to protect a motorcyclist’s head. When choosing the best motorcycle helmet, safety and comfort should come first. Before selecting a helmet, you need to ensure that it satisfies basic safety requirements. Searching for the DOT label inside or outside the helmet can identify an adequately constructed, reliable helmet.
The sticker signifies that the helmet meets the U.S. Department of Transportation safety test requirements. full-face helmet will provide the best protection for your skull and face. Usually, the eye is protected with a sliding face shield while closed, but poor ventilation designs can negatively impact hot riding days in some helmets. Oh boy! the world-famous “shorty” or half-helmet. A critical safety factor to consider is that it’s more likely to fly off when you hit your head. As a result, “shorty” or half-shell helmets are not advised. Riders that choose novelty helmets with a thin or non-existent liner should keep in mind that these types of helmets need to be avoided at all costs. If you want to have the comfort of both into a single type of helmet, I would suggest looking into a modular helmet.  Not only are they functional in all types of weather, but a single-finger operation release lever allows you to flip up the front of the helmet and take a sip of water without dealing with a straw—another useful feature for the rider. Other riders like to wear a three-quarter, open-face helmet. They are made of the same basic materials as full-face helmets but without face and chin protection. If you’re riding with an open-face helmet, wear a snap-on face shield or invest in a pair of goggles that can survive the impact of a stone or other debris. PerformanceGadgetStore.com offers unique and useful helmets at very competitive prices, so please take the time to see what we have to offer.

 

The Road Ahead Post-COVID19

The Road Ahead Post-COVID19

As the world starts to re-open up again, what road trip would you do? We could write about the ending possibilities, but instead, I would like to hear from you. Please send us a line; we would like to listen to your riding stories.

“Whether it’s the best of times or the worst of times, it’s the only time we’ve got.” – Art Buchwald

Motorcycle Tires Maintenance

Motorcycle Tires Maintenance

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Keeping the right tire pressure on your ride will help you get better gas mileage, better braking, and longer wear. A study conducted by the National Highway Traffic Safety Administration found that people driving with underinflated tires are three times more likely to get into car crashes related to tire problems.  Maintaining correct tire pressure is not simply a good idea, it could potentially save your life.  Every motorist must know that improper tire pressure will lead to early tire deformation or even flat spots. Therefore, the next time you plan on going for a ride take 5 minutes and check the air pressure and adjust according to the manufacturer’s suggestions.

 

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