* Motorcycles are smaller and cheaper to repair than cars.
* Motorcycles are not as likely to be involved in accidents as cars.
* Motorcycle riders tend to be older and experience fewer crashes than car drivers.
However, there are some factors that can affect the cost of motorcycle insurance, such as your age, the type of motorcycle you ride, and your driving record. For example, if you are a young male rider who lives in a large city and rides a sport bike, you will likely pay more for insurance than an older female rider who lives in a rural area and rides a cruiser.