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Whether you’re a road warrior seeking adventure or you’re just looking for a way to get around town, there’s nothing quite like driving a motorcycle. As you would with a car, you’ll need insurance if you want to protect yourself, your passengers and your investment. And just as you’d shop around for auto insurance quotes, you’ll want to find the best insurance for your bike. Here’s NerdWallet’s guide to understanding motorcycle insurance.
You can get car insurance by shopping online, contacting companies directly or working with an agent or broker. There’s no shortage of ways to purchase car insurance. You can buy it online, call, or even find a local agent and apply in person. The way you choose to get car insurance depends on your specific insurance needs and the time you want to spend shopping for coverage. No matter which method you pick, the process of getting car insurance comes down to these five steps:
Car insurance is expensive, but taking these steps can lower your premiums.
For most people, insurance isn’t a very interesting topic. Still, it’s an important aspect of your financial (and ultimately, emotional) well-being, and owning the right policies can have a life-altering impact. People are often tempted to forgo buying insurance. The premiums necessary to own these policies can be shockingly expensive, relative to one’s budget. That’s especially true when one thinks, “I’ll never even need that coverage.” No one expects their house to burn down or to acquire a disability that prevents them from working. But it can and does happen. There’s no single insurance policy that will cover all aspects of your life. So, if you want to prevent major financial hardships, you’ll need various kinds of coverage. Here are the seven most common types of insurance that every individual needs — or, at the very least, needs to consider.
The current U.S. average cost of car insurance is $2,242 per year for full coverage and $1,183 per year for liability-only coverage, according to Insurify data. In 2025, car insurance rates fell in 39 states, according to the American Driver report. Eight states saw rate decreases of 15% or more. The average cost of car insurance in your state depends on multiple factors, including traffic congestion, population density, accident rates, theft rates, and more.
A tornado rips through your town, reducing your home to a pile of rubble. In the aftermath, you discover that it’ll cost $350,000 to rebuild your home, but your homeowners insurance policy only covers $300,000 in rebuilding costs. That leaves you on the hook for the rest. To avoid the financial disaster of being underinsured, review your home insurance coverage on a regular basis. Here’s how to figure out how much homeowners insurance you need.