Yes — and in a very direct way. Insurance companies use engine size (measured in cubic centimeters, cc) as a proxy for the bike’s power and potential risk. The bigger the engine, the higher the risk of accidents and injury, which directly impacts your premium.
1. Why Engine Size Matters
- Higher performance = higher risk: Motorcycles with large engines (600cc+) can reach high speeds quickly. Insurers assume these bikes are more likely to be involved in accidents.
- Repair costs: Bigger engines are often found in more expensive bikes, and parts replacement or repairs cost more.
- Rider behavior: Statistical data shows riders of high-powered motorcycles are more likely to file claims.
Example: A 125cc scooter might cost $300–$500/year to insure, whereas a 1000cc sportbike could exceed $1,500/year.
2. Insurance Cost by Engine Size (Average 2025)
| Engine Size | Typical Annual Insurance Cost | Notes |
|---|---|---|
| 50–250cc | $300–$600 | Low-powered scooters and beginner bikes |
| 250–500cc | $400–$800 | Standard commuter bikes and small cruisers |
| 500–750cc | $600–$1,200 | Mid-range sportbikes and cruisers |
| 750–1000cc | $900–$1,500 | High-performance sportbikes |
| 1000cc+ | $1,200–$2,000+ | Supersport and luxury bikes |
As you can see, engine size has a very clear correlation with insurance costs.
3. Other Factors Related to Engine Size
While engine size is critical, insurers also consider:
- Bike type: Two motorcycles with similar engine size may have different rates. For example, a 600cc cruiser is cheaper to insure than a 600cc sportbike.
- Rider profile: Young or inexperienced riders pay more for high-cc bikes.
- Location: Urban areas with heavy traffic may increase premiums for high-powered motorcycles.
So, engine size is a factor but not the only one. It works together with bike type, rider experience, and usage patterns to determine your final premium.
4. Tips to Manage Insurance Costs with Large Engines
If you want a bigger engine but want to control premiums:
- Take certified safety courses to qualify for discounts.
- Choose a mid-range model rather than a top-end supersport bike.
- Install anti-theft devices to reduce comprehensive coverage costs.
- Maintain a clean riding record — no tickets or accidents.
These steps can significantly reduce the insurance on a motorcycle cost, even for high-powered bikes.
Bottom Line
Yes, engine size really does affect motorcycle insurance costs. Larger engines generally mean higher premiums due to greater risk and repair costs. However, with careful bike choice, safety measures, and responsible riding, you can manage and sometimes lower these costs legally.
