Why Some Motorcycle Brands Have Lower or Higher Insurance Claim Rates 

The motorcycle brand you choose can affect more than your riding experience. Understanding why brands have higher premiums than others can help you make a better decision on your insurance coverage before you buy a new bike.

Understanding Claim Rates and Your Bike Choice

Insurers track claims data by make, model and category, which can shape how they price coverage. Manufacturers that build bikes with higher horsepower-to-weight ratios, limited rider-assist technology or parts that are costly to replace tend to have higher claim frequency and severity over time.

Factors That Influence Claim Frequency

The following variables can affect where a specific motorcycle brand may land on the risk spectrum:

• Rider profile: Certain brands may attract newer or younger riders, which can correlate with higher claim rates across the industry.
• Engine displacement: Higher-displacement bikes may be involved in more severe accidents.
• Theft rates: Some brands and models are targeted by thieves far more often than others, driving up comprehensive claims.
• Parts availability: Exotic or imported models with scarce parts can cost more to repair, raising claim costs even for minor incidents.
• Safety features: Anti-lock braking systems and traction control can reduce accident frequency. Bikes equipped with them often carry lower premiums.

How We Support Georgia Riders

Riders in Douglasville, GA can access a wide range of carriers through our agents, so your coverage is matched to your specific bike and riding habits rather than a one-size-fits-all policy.

Contact Orbit Insurance & Multiservice to review your current motorcycle coverage or get a personalized quote. Our team will walk you through your options and help you understand exactly what your policy covers.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.