Dual Sport Motorcycle Insurance: Everything You Need to Know

Are you looking for an adventurous ride on the off-road terrains and highways with a motorcycle that can handle both? Dual sport motorcycles are your best bet! These thrill-inducing bikes can be ridden on different terrains, making them an ideal choice for riders who love both paved and unpaved roads.

But, what about insurance for these machines? Whether you’re a seasoned rider or a newbie, getting the right insurance policy for your dual sport motorcycle is essential. It’s no secret that finding the right insurance can be daunting, but fear not, we have got you covered.

In this blog post, we’ll guide you through everything you need to know about dual sport motorcycle insurance, including the cost, whether you need insurance for a dual sport, and much more. We’ll also dive into the cheapest and most expensive dual sport insurance options, including Progressive Motorcycle Insurance.

So, whether you’re cruising down the highway or tackling rocky terrain, hit the road with peace of mind knowing you have the right insurance coverage for your dual sport motorcycle. Stick around, and let’s dive right in!

dual sport motorcycle insurance

Understanding Dual Sport Motorcycle Insurance

If you own a dual sport motorcycle, your insurance needs may be different from those of other riders. Dual sport motorcycles are unique in that they are specifically designed for both on-road and off-road use. You’ll need insurance that covers you in any situation.

What Is Dual Sport Motorcycle Insurance

Dual sport motorcycle insurance is simply a type of insurance policy that is designed to cover the unique needs of dual sport motorcycle riders. It typically includes liability coverage, collision coverage, comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage.

Liability Coverage

Liability coverage is important for any motorcyclist, but it’s especially important for dual sport riders. If you’re involved in an accident where you’re at fault, liability coverage will help pay for any damage or injuries you cause to other people or their property.

Collision Coverage

Collision coverage will help pay for any damage to your motorcycle if you’re involved in an accident, regardless of who is at fault. This can help you get back on the road quickly, without worrying about the cost of repairs.

Comprehensive Coverage

Comprehensive coverage is designed to cover damage to your motorcycle that is not caused by an accident, such as theft, vandalism, or natural disasters.

Medical Payments Coverage

If you’re injured in an accident while riding your dual sport motorcycle, medical payments coverage will help pay for your medical expenses, regardless of who is at fault.

dual sport motorcycle insurance

Uninsured/Underinsured Motorist Coverage

If you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages, uninsured/underinsured motorist coverage will help pay for the cost of repairs or medical expenses.

If you’re a dual sport motorcycle rider, it’s important to have insurance that covers your unique needs. Make sure to choose a policy that includes liability coverage, collision coverage, comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage. With the right insurance policy, you can ride with confidence, knowing that you’re protected in any situation.

Progressive Motorcycle Insurance

When it comes to insuring your dual sport motorcycle, there are many options to choose from. One of the most popular insurance providers for motorcycle enthusiasts is Progressive. In this section, we’ll take a closer look at what makes Progressive insurance a great choice for dual sport riders.

The Benefits of Progressive Insurance for Dual Sport Motorcycles

Progressive insurance offers a range of benefits specifically geared towards dual sport motorcycle riders. These benefits include:

  1. Off-Road Coverage: Progressive provides coverage for off-road adventures, so you can explore trails and other off-road locations without worrying about damage to your motorcycle.

  2. Custom Equipment Coverage: Dual sport motorcycles often come with custom equipment that can be expensive to repair or replace. Progressive offers custom equipment coverage to protect your investment.

  3. Collision Coverage: If you’re involved in a collision, Progressive will cover the cost of repairs to your motorcycle.

  4. Comprehensive Coverage: If your dual sport motorcycle is stolen or damaged in a natural disaster, Progressive will cover the cost of repairs or replacement.

How to Get Progressive Motorcycle Insurance

Getting an insurance policy with Progressive is easy, with a user-friendly process available online. All you need to do is provide your motorcycle’s details, your driving history, and choose the coverage level that suits your needs. You can also customize your coverage and add on optional coverage to create the perfect policy for your needs.

Progressive insurance is an excellent choice for dual sport motorcycle riders looking for comprehensive coverage that includes off-road and custom equipment protection. With an easy-to-use online process and plenty of customizable options, it’s no wonder why Progressive is one of the most popular insurance providers for motorcycle enthusiasts. So, gear up and hit the trails with your dual sport motorcycle knowing that you’re protected by Progressive motorcycle insurance.

Dual Sport Motorcycle Insurance: How Much Does It Cost

If you are an adventure enthusiast and looking to turn heads with a dual sport motorcycle, one of the primary things you need is insurance coverage. Dual sport insurance is designed to protect you and your motorcycle from accidents and damages that may arise while you are on the road, including theft, accidental damage, and liability claims. But how much does it cost?

Factors Affecting Dual Sport Insurance Cost

Like any other insurance policy, the cost of dual sport insurance varies depending on several factors. Some of the most important factors that affect the insurance premium include:

  • Type of Motorcycle: The type and model of the motorcycle you own is the most significant factor that determines your insurance costs. Generally, the more expensive and powerful the bike, the higher the insurance premium.
  • Driving Records: Your driving record also affects your insurance costs. If you have a history of accidents or traffic violations, your insurance premium will be higher.
  • Age and Gender: Young riders and male riders are considered riskier to insure, so they are charged higher premiums.
  • Location: Where you live will also determine the cost of your insurance. If you live in an area with high crime rates, you’ll be charged more than someone living in a safer area.
  • Coverage Limits: How much coverage you choose to purchase affects your insurance costs. The more coverage you have, the higher your premium will be.

Dual Sport Insurance Coverage Options

Dual sport insurance coverage options include liability, collision, and comprehensive coverages, among others.

  • Liability Coverage: This coverage pays for damages or injuries caused to other people and their properties if you are at fault in an accident.
  • Collision Coverage: This coverage pays for damages to your motorcycle if you are involved in an accident with another vehicle or object, regardless of who is at fault.
  • Comprehensive Coverage: This coverage pays for damages to your motorcycle caused by non-collision incidents, such as theft, vandalism, fire, or natural disasters.

So, how much does dual sport insurance cost? Depending on your location, age, driving record, motorcycle type, and coverage limits, the average cost of dual sport insurance ranges from $200 to $500 per year. However, it’s essential to compare quotes from different insurance providers to get the best rate. Keep in mind that the cheapest option may not always be the best for your needs. Ultimately, the coverage you choose should reflect your lifestyle and budget, giving you peace of mind whenever you hit the open road.

Motorcycle Insurance Group 12 Cost

If you own a dual sport motorcycle and want to ride it legally on the road, it’s essential to have insurance coverage that meets your state’s legal requirements. However, finding the best insurance that meets your needs and budget can be a daunting task, especially when you’re trying to figure out the motorcycle insurance group 12 cost. In this section, we’ll look at what motorcycle insurance group 12 means and how it can impact your insurance premium.

Understanding Motorcycle Insurance Group 12

Every motorcycle model and manufacturer are assigned to an insurance group between 1 and 17, based on several factors such as engine size, power, top speed, and value. Generally, motorcycles that fall into group 1 are the cheapest to insure, while those in group 17 are the most expensive.

As for motorcycles that fall in group 12, they are middle-range motorcycles that typically have engine sizes between 600cc and 1000cc and are relatively moderate in terms of power, speed, and value. Some of the popular dual sport motorcycles that fall into this group include the Yamaha Super Tenere, BMW F800GS Adventure, and Suzuki V-Strom 1000XT.

How Motorcycle Insurance Group 12 Cost is determined

The cost of insurance for a dual sport motorcycle in group 12 can vary depending on several factors. One chief aspect is your age and driving experience. Generally, younger and inexperienced riders are deemed as being more risky than older riders, so they pay higher premiums. Additionally, your riding history, past accidents, driving record, annual mileage, and location can also impact the cost of insurance.

Tips for reducing your Motorcycle Insurance Group 12 Cost

Just because a motorcycle falls in insurance group 12 doesn’t mean you have to pay sky-high insurance premiums. Knowing the factors that impact insurance premiums can help you to make informed decisions and save money. You can try these tips to reduce your insurance premium:

  • Take an approved motorcycle safety course
  • Install anti-theft devices and security measures such as GPS trackers, alarms, locks, chains, and immobilizers.
  • Choose a policy with a higher deductible
  • Compare insurance quotes from different companies
  • Bundle your dual sport motorcycle insurance with your other insurance policies such as home or auto insurance.

In conclusion, while owning a dual sport motorcycle can be thrilling and adventurous, you must ensure you have adequate insurance coverage that provides you protection and financial security. Use the factors presented in this section to determine how much motorcycle insurance for a group 12 motorcycle will cost you and reduce your premium by following the tips presented.

Do You Need Insurance on a Dual Sport

If you own or ride a dual sport motorcycle, you might be wondering whether you need insurance or not. Although every state has its own laws, it’s generally required to have at least liability insurance to ride legally on public roads and highways.

Liability Insurance

Liability insurance covers damages to other people’s property or injuries that result from an accident you caused. It includes legal fees, medical expenses, and property damage up to the policy limit. Liability insurance doesn’t cover your injuries or damages to your motorcycle.

Comprehensive and Collision Insurance

Comprehensive and collision insurance cover damages to your motorcycle, regardless of who caused the accident. It includes theft, fire, vandalism, and other perils. Comprehensive and collision insurance isn’t required by law, but it’s strongly recommended, especially if you have a newer or expensive dual sport motorcycle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages. It includes medical expenses, lost wages, and pain and suffering. Uninsured/underinsured motorist coverage isn’t required by law, but it’s a wise investment, especially if you live in an area with a high number of uninsured or underinsured motorists.

In summary, if you own or ride a dual sport motorcycle, you need insurance to protect yourself, your passengers, and your property. Liability insurance is the minimum required by law, but comprehensive and collision insurance and uninsured/underinsured motorist coverage are highly recommended for added protection. Consult with an insurance professional to get the right coverage for your needs and budget. Ride safe and stay insured!

Cheapest Motorcycle to Insure in Ontario

If you’re looking for a dual sport motorcycle, you might also be interested in finding the cheapest motorcycle to insure in Ontario. Insurance companies take various factors into consideration when deciding on the cost of insuring your motorcycle, such as the type of motorcycle, your driving experience, and your location. Here are some of the cheapest motorcycles to insure in Ontario.

Honda CB300R

With a starting price of around $5,000, the Honda CB300R is one of the most affordable motorcycles to insure. It’s also known for its lightweight and easy handling, making it a great option for beginner riders. The CB300R has a fuel-injected 286cc engine that produces around 30 horsepower, making it perfect for city riding.

dual sport motorcycle insurance

Kawasaki Z400

Another affordable option is the Kawasaki Z400, which has a starting price of around $5,500. The Z400 is a naked sportbike with a 399cc engine that produces approximately 49 horsepower. It’s a great option for both urban and highway riding, thanks to its nimble handling and performance.

Yamaha MT-03

The Yamaha MT-03 is a lightweight motorcycle with a 321cc engine that produces around 41 horsepower. Its naked design, with a minimalist fairing and exposed engine, makes it visually appealing to many riders. It’s also one of the cheapest motorcycles to insure in Ontario, with rates starting around $1,200 per year.

Suzuki DR200S

At around $4,500, the Suzuki DR200S is one of the cheapest dual sport motorcycles available. It’s also among the most fuel-efficient, with a 199cc fuel-injected engine that gets around 70 miles per gallon. The DR200S is popular among beginner riders, thanks to its low seat height and lightweight design.


The CFMOTO 300NK is a Chinese-made motorcycle with a 292cc engine that produces around 33 horsepower. It’s one of the most affordable motorcycles available, with a starting price of under $4,000. Insurance rates for the 300NK are also relatively low, making it a great option for budget-conscious riders.

In conclusion, when looking for a dual sport motorcycle, it’s essential to factor in the cost of insurance. The cheapest motorcycles to insure in Ontario are typically lightweight and affordable, making them a great option for beginner riders or those on a tight budget. Consider one of the above motorcycles when shopping for your next ride.

Which Motorcycles are Most Expensive to Insure

One of the factors that affect the cost of your motorcycle insurance is the type of motorcycle you own. Some bikes are more expensive to insure than others. Here’s a quick rundown of the most expensive motorcycles to insure:


Superbikes are the most expensive motorcycles to insure. These bikes are designed for high-performance racing and can go from 0 to 60 mph in just a few seconds. They are often outfitted with expensive, high-performance parts and are more likely to be involved in accidents, making them a high-risk investment for insurance companies.

Sports bikes

Sports bikes are also pricier to insure than other types of motorcycles. They have a similar design and performance as superbikes, but not as high-end. They’re commonly ridden on the street for speed and agility, but are less risky than superbikes.


Cruisers are popular with riders who want a comfortable and laid-back ride. They’re bigger and heavier than other bikes and are generally not involved in high-speed pursuits or racing. Nevertheless, cruisers are expensive to repair, and insurance companies factor in this cost when determining premiums.

Adventure bikes

Adventure bikes are designed to handle off-road terrain and long-distance touring. They are often more expensive because they’re equipped with advanced technologies and are built to last. Because most owners use them for long-distance rides, adventure bikes can rack up more miles, which increases the risk that they will be involved in an accident.

When shopping for a motorcycle, it’s essential to consider the cost of ownership, including insurance premiums. Factors such as make, model, and age of the bike will impact the cost of your insurance. So, if you want to save money on motorcycle insurance, you may want to opt for a bike that is less prone to accidents and cheaper to repair.

dual sport motorcycle insurance

How Many Miles Can You Get Out of a Dual-Sport Motorcycle

If you’re thinking of purchasing a dual-sport motorcycle, one of your concerns might be its lifespan or how many miles you can get out of it. Although the answer varies depending on several factors, your motorcycle’s maintenance and riding habits can significantly impact its longevity.


Like any other vehicle, dual-sport motorcycles need regular maintenance to keep them running smoothly. Regular oil changes, tire replacements, and cleaning the air filter are a few of the things you can do to extend your motorcycle’s lifespan. Neglecting these tasks can lead to more severe problems, such as engine failure.

Riding Habits

Your motorcycle’s longevity also depends on how you ride it. If you consistently push your motorcycle to its limits, it may shorten its lifespan. Riding aggressively or pushing your motorcycle too hard can cause significant wear and tear on the engine. On the other hand, riding with caution and avoiding extreme speeds can help you extend your motorcycle’s lifespan.

Hours vs. Miles

It’s essential to understand that dual-sport motorcycles have an hour meter, just like dirt bikes or four-wheelers. Your motorcycle’s engine lifespan should be measured in hours rather than in miles. Manufacturers recommend replacing the top end, including the piston and cylinder, after a specific number of hours, usually between 100-200 hours.

In conclusion, how many miles you can get out of your dual-sport motorcycle depends on several factors, including how well you maintain it and how you ride it. Developing good maintenance habits, such as regular oil changes and air filter cleaning, can help you extend its lifespan. Riding conservatively and avoiding extreme speeds can also help reduce wear and tear on your motorcycle’s engine. Remember, your motorcycle’s lifespan should be measured in hours, not miles.

You May Also Like