1. Sport bikes: These motorcycles are typically high-performance and have powerful engines. They often have less comfortable seating positions and are used primarily for racing or sport riding. Due to their higher risk of accidents and injuries, sport bikes usually fall into higher insurance groups.
2. Cruiser bikes: These motorcycles have a more relaxed riding position and are designed for comfort on longer rides. They often have larger displacement engines and heavy frames. Cruiser bikes generally fall into a lower insurance group compared to sport bikes.
3. Touring bikes: These motorcycles are designed for long-distance travel and have comfortable seating positions and ample storage space. They are typically equipped with large displacement engines and windshields. Touring bikes usually fall into a lower insurance group similar to cruiser bikes.
4. Dual-sport bikes: These motorcycles are versatile and can be used on both paved roads and off-road trails. They have raised suspension and wider handlebars to provide better control on rough terrain. Dual-sport bikes may fall into a higher or lower insurance group depending on their specific features and capabilities.
5. Moped/Scooter: These vehicles have engines smaller than 50cc, and typically have automatic transmission. They fall into the lowest insurance group due to their low risk profile.
6. Vintage/Antique bikes: These motorcycles are typically older models that are no longer in production. They may have lower insurance premiums due to their lower likelihood of being stolen or involved in accidents.
It's essential to note that the specific insurance group assigned to a motorcycle may vary based on factors such as the motorcycle's make, model, year of manufacture, and your personal details, such as age, location, and driving history. It's advisable to compare quotes from different insurance companies to find the most competitive rates for your specific motorcycle.
