Why Is Motorcycle Insurance So Cheap? 
There may be any number of reasons but perhaps key reasons have to do with the size and valuse of a bike vs a car and seasonal use considerations . Let 's talk about size . A motorcycle can certainly be substantial , but it is in general much lighter and has less mass when compared to a car . As a result , the relative damage that is could do to another vehicle may be less , which can therefore effect the liability pricing . As for physical damage -LRB- comp and collision -RRB- here too , in a great many cases , a car may carry a higher value than a bike , thus effecting the comp and collision picing . Finally , there is the seasonal aspect . Here in CT for example , we can not ride 365 days out of the year like you lucky riders in warmer states can . Thus , because our bikes are on the road less , insurance companies may charge less because of the decreased exposure . 