How Much is Dirt Bike Insurance

Riding a dirt bike is fun, and exhilarating. But as these motorbikes are built for off-roads, they are relatively riskier to ride, especially if you don’t take necessary precautions. There can be slippery slopes, potholes, or bumps which can turn exciting rides into a dangerous accident.  

Whether you ride through forests, or climb up mountain trails, there is always a high risk of getting into an accident which can lead to serious bodily injuries, or even death. It can also leave your bike badly damaged and sometimes beyond repair.  

If you own a dirt bike, it’s essential for you to insure it, whether you ride it off-road or on paved streets. So, if you consider to insure your dirt bike, the first concern that comes to mind is, how much does dirt bike insurance cost?  

In this article, you will learn the average cost of dirt bike insurance, whether insuring a dirt bike is cheaper, the legal requirements and reasons to get dirt bike insurance. 

The average cost of insuring a dirt bike in the US is $13 for minimum liability coverage, and $66 per month for full coverage. Typically, dirt bikes are cheaper to insure as they come with a small engine, and a lightweight body. The engine capacity of dirt bikes is 250cc and 450cc, whereas regular motorcycles have an engine capacity of 400cc to 1000cc.  

Dirt bikes are typically built for average riders, and that’s why they are manufactured in a way that’s generally affordable. This makes it easier, and cheaper to repair, which also makes it cheaper to insure. Just like other types of motorcycles, the average cost of dirt bikes also varies based on location, and other demographic factors.  

In some states, and areas in the US, you can get dirt bike insurance for as low as $10 per month for minimum coverage, and $54 per month for full coverage.  

Well, that’s the average cost there, typically your dirt bike insurance rate will depend on the make and model of the bike you own, your insurance claims history, riding records, credit score and more.

Compared to dirt bike insurance the average cost of motorcycle insurance varies slightly. On average motorcycle insurance costs $13 per month for minimum coverage just like dirt bike insurance. However, motorcycle insurance is $33 per month for full coverage which is significantly cheaper than dirt bike on average, particularly as dirt bikes come with higher risk.  

Looking for an affordable insurance company that provides cheap motorcycle insurance for dirt bikes? Consider checking our dirt bike insurance solutions.  

Is Dirt Bike Insurance Legally Required? 

The legal requirement of insuring a dirt bike typically depends on where you ride it. If you use it specifically for off-road riding, then you don’t legally require insurance. However, if you ride it off-road and on public streets then it is a legal requirement to insurance for your dirt bike.  

When you ride a dirt bike on public streets, it is treated just like motorcycles, and as motorcycle insurance is legally mandatory in most states throughout the US, that means you will also have to get your dirt bike insured.  

Even if you’re particularly riding the dirt bike off-road, it is still highly recommended to get sufficient insurance coverage within your budget, regardless of whether it’s legally mandatory or not. Just like motorcycle insurance, dirt bike insurance is crucial for both legal and financial security.  

3 Reasons to Get Dirt Bike Insurance

Two wheeled vehicles are more prone to accidental crashes which can lead to severe vehicle damage, bodily injuries, and even death. Whether it's a scooter, dirt bike, cruiser, sports bike or any other motorcycle.  

But when it comes to dirt bikes the risks are significantly higher, especially because dirt bike riders are more into both off-road and street stunts. These recreational activities can result in dangerous accidents, especially due to accidental slips, or sudden collision with another vehicle.  

When it comes to riding a dirt bike, there are 3 key reasons that make it crucial to get your dirt bike insurance as follows.  

Liability Protection

Ensuring liability protection for your dirt bike is crucial, especially because it’s more susceptible to collision with other vehicles, and accidental crashes. As dirt bikes are lightweight and more flexible, it can also get difficult to control and prevent accidentally colliding with another vehicle.

If you end up in an accident with another vehicle for which you’re at fault, then you’re legally liable to compensate the other driver, and any other third party harmed. And that’s specifically where liability insurance comes in, it covers the medical bills, along with property and vehicle repair expenses up to the coverage limit.  

Additionally, if you get sued after the at-fault accident then the liability insurance will also cover court proceeding costs, fines and other legal penalties that are financially imposed on you.  

Coverage for Theft, Vandalism, and Unforeseen Events

Just like any other vehicle, or motorcycle, dirt bikes are also susceptible to theft, and damage from vandalism, fire hazard along with natural disasters. When it comes to theft, dirt bikes are often a common target especially because they’re lightweight which makes it easier to steal, and because many dirt bikes are unregistered as they’re bought for recreational purposes.  

Also, as dirt bikes are lightweight, they can get blown away if it’s hit by a hurricane or can get severely damaged by other natural disasters. With comprehensive insurance you can cover the repair cost of your dirt bike. Incase if your dirt bike is beyond repair, the insurance company will pay you the market value after subtracting the depreciation, and your deductibles up to the coverage limit.  

Solo Dirt Bike Accident-Related Damages

By default, two wheeled vehicles are difficult to control especially when it’s at high speed, or during steep turns. Also, if you’re using the dirt bike to do stunts like jumping from one edge to another, there’s a high chance you may lose control for any accidental step, or the bike somehow slips.  

Additionally, deer crashes are common in the US. On average, there are 2.1 million vehicle-deer crashes in the US. As dirt bikes are lightweight, and are mainly used for recreational rides, and for pulling stunts, it is substantially at higher risk of crashes, injuries and death.  

So, that’s why it’s crucial to ensure you have dirt bike insurance coverage like personal injury protection (PIP) insurance, MedPay insurance, among others.

Final Remarks

Compared to other types of motorcycles, dirt bikes are among the cheapest to insure with an average monthly spending of $13 for minimum insurance coverage, and $66 per month for full coverage.  

Whether you’re riding the dirt bike for recreation, transportation or both, there is a high risk of accident which can lead to heavy financial burdens. By purchasing dirt bike insurance you’re essentially creating a financial safety net.  

Regardless of whether it’s legally mandatory or not, considering the high risks of accidents, and insanely low average rate, it is highly recommended that you invest in dirt bike insurance.

If you consider purchasing dirt bike insurance, you can find one of our local agents in your area, or you can fill out the contact form, and let us know of your query to get a free quote.  

Frequently Asked Questions

How much does it cost to insurance a dirt bike? 

The average cost of dirt bike minimum coverage is $33 per month, and full coverage insurance is $66 per month.  

What kind of insurance do you need for a dirt bike?

In most states it is legally mandatory to get minimum liability insurance for dirt bikes in most states if you ride it on public streets.  

Does motorcycle insurance cover dirt bikes?

Dirt bike is a type of motorcycle, so yes motorcycle insurance covers dirt bikes.