The price of motorcycle insurance is skyrocketing: Motorcyclists will (again) pay the bill in 2025

Securing your motorcycle has never been more expensive. According to recent data from the barometer published by the insurance comparator LeLynx.fr a few days ago, insurance premiums continue to soar. In two years, the bill jumped by 8 %, and the increase seems to accelerate further at the beginning of the year.

Continuous increase in motorcycle insurance premiums

The key figure to be taken into account: 423 €, this is the average price of motorcycle insurance in France in 2024, i.e. 3 % more than in 2023 and 8 % more than in 2022. And it is not over. As early as the first quarter of 2025, premiums increased further by 9 % compared to the same period of the previous year, according to LeLynx.fr.

The reasons? A increased cost of repairs, ever more expensive spare parts, and one increase in the number of victims (number of accidents). Result: insurers pass these charges directly on to the contracts.

Large price differences by profile... and by region

The young bikers They are the most affected. Drivers under 25 pay 741 € on average, or almost double the number of experienced bikers (376 €). This difference is explained by their riskier profile. The increase for this age group was +10 % between 2023 and 2024, against only +3 % for others.

The 50 cc, often driven by young people in urban areas, are also subject to very high rates:

• €566/year at all risks (compared to €598 for a motorcycle),

• €323/year to the third party (compared to 271 € for a motorcycle).

Conversely, motorcycle drivers are more often cautious adults, and insured at all risks. 60 %, against 38 % only for scooters.

Regional disparities: Paris at the top of the most expensive premiums

As shown in the table below, the price of insurance premiums varies greatly by geography:

• Île-de-France : €545 average premium (national record),

• Paris : €568, followed by Marseille (524 €),

• Brittany : 355 €, cheapest region,

• Pays de la Loire : highest increase (+8 %) with an average premium of €373.

Parking also plays a key role in the price of motorcycle insurance : parking your motorcycle in a closed car park allows you to lower your premium to 394 €, against 536 € in a guarded public car park. Only 4 % bikers leave their two-wheelers on the public road, against 15 % scoterists.

Focus on the most insured models

With 47 % of the cumulative comparisons in 2024, the three Japanese brands, Yamaha, Honda and Kawasaki largely dominate the search for insurance rates on LeLynx.fr.

Among the most popular models:

• Yamaha MT-07 : €777 at all risks,

• Kawasaki Z : 589 €,

• Honda CB750 Hornet : 717 €.

Scooter side:

• Yamaha TMAX : 844 €,

• XMAX 125 : 444 €,

• Honda Forza 125 : 409 €.

Expert opinion: how to reduce the bill?

Arthur Martiano, CEO of LeLynx.fr (online insurance comparator), recalls that compare insurance offers each year remains one of the best ways to save. Price differences between companies, warranties included or franchises may represent several hundred euros of equivalent collateralised spread. A good comparison is often a good negotiation.

Securing your motorcycle: a winning gesture

The other lever to reduce the bill is: limit the risks collected by insurers:

• By installing a mechanical anti-theft SRA Approved (disc-blocker, U, channel),

• Or better yet, a GPS Tracker (some tracer models, thanks to agreements with insurers, allow you to benefit from an immediate reduction in the insurance premium) see your comparison of Best Motorcycle GPS Trackers.

• By parking the motorcycle in a closed private garage, which would make it possible to reduce the average rate up to €142 per year compared to parking on public roads.

Insurance comparators 100 % free

In France, several online comparators allow bikers to play the competition for free. The three main ones are:

They allow in a few clicks to visualize the best offers on the market according to your profile, your type of motorcycle, your driving history and your use.

You can also compare our opinion on the Main Motorcycle Insurers

Download the Motorcycle barometer LeLynx.fr