Does Riding A Motorcycle Affect Life Insurance? 
Riding a motorcycle does not affect your life insurance rates . Only a bad driving record -LRB- or riding record in the case of motorcycles . -RRB- if you race motorcycles it can affect your rates or even acceptance with many companies . Thank you for asking about riding a motorcycle and not driving a motorcycle . It makes me cringe when people say `` I DRIVE a motorcycle . '' 