Motorcycle insurance SA

There are 4 types of motorcycle insurance available:

1. Compulsory third party insurance (CTP). As the name implies, this is compulsory — you must have CTP to legally ride your motorbike in South Australia and on Australian roads generally. Luckily for South Australians, CTP is included in your rego so as long as your bike is registered, you already have CTP.
2. Third party property damage insurance (TPPD). This type of insurance is optional. It protects you for the costs associated with damage you cause to another person's vehicle or property with your motorcycle. This is good for those with cheaper motorcycles who wouldn't be bothered if it was damaged and they had to replace it or do repairs out of pocket.
3. Third party fire and theft insurance (TPFT). This type of insurance is optional. It covers you for everything TPPD does plus provides cover for damage that occurs because of fire or theft of your motorcycle.
4. Comprehensive insurance. This type of insurance is optional. It covers you for everything TPPD and TPFT does, plus it covers damage to your own motorcycle too. This is good if you have a high value bike that you couldn't afford to repair or replace out of pocket.

Compare motorcycle insurance in SA

• Comprehensive
• Third Party Fire & Theft
• Third Party Property Damage

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5 of 13 results

Roadside assistance	Accidental damage	Fire and theft	Choice of repairer	Agreed or Market Value
RAA Comprehensive Motorcycle Insurance					Agreed	Loyalty discounts and discounts for multi-policy holders. T&Cs apply.	Summary: RAA offers convenience for customers with choice of repairer as standard. This is typically an optional extra. Who it might be good for: People who want a choice on how to repair their vehicle.	Continue View details Compare product selection Compare	loading
Budget Direct Comprehensive Motorcycle Insurance				Optional	Agreed or Market	15% off your first year's premium when you take out a policy online. T&Cs apply.	Get Quote View details Compare product selection Compare	loading
AAMI Comprehensive Motorcycle Insurance					Agreed	$25 off when you buy online. T&Cs apply.	Summary: AAMI’s comprehensive motorcycle insurance policy covers more than some of its competitors with the inclusion of riding apparel as standard. For further coverage, more options to customise cover are available. Who it might be good for: With a paperless claims process, AAMI could be good if you’re keen to manage everything online.	Continue View details Compare product selection Compare	loading
Suncorp Comprehensive Motorcycle Insurance					Agreed	Combine 3 or more eligible policies and get 15% off. T&Cs apply.	Summary: With a No Claims Bonus, flexible excess and multi-policy discount, customers have a range of ways to reduce their premium. Who it might be good for: Existing Suncorp customers who want a discount.	Continue View details Compare product selection Compare	loading
National Motorcycle Insurance On Road Comprehensive	Optional				Agreed or Market	Summary: As a specialist motorcycle insurance company, National Motorcycle caters to both on and off road bikes. Who it might be good for: Bike owners who don’t want cover for any personal belongings.	Continue View details Compare product selection Compare	loading

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5 of 9 results

Roadside assistance	Accidental damage	Fire and theft	Choice of repairer	Agreed or Market Value
National Motorcycle Insurance On Road Third Party Fire, Theft and Transit	Optional				Agreed or Market	Continue View details Compare product selection Compare	loading
Budget Direct Third Party, Fire and Theft Motorcycle Insurance					Market	15% off your first year's premium when you take out a policy online. T&Cs apply.	Get Quote View details Compare product selection Compare	loading
GIO Fire, Theft and Third Party Property Damage Motorcycle Insurance					Market	Continue View details Compare product selection Compare	loading
Youi Third Party Fire & Theft Motorcycle Insurance					Market	Protection against damage to others caused by your motorcycle with additional cover.	Get Quote View details Compare product selection Compare	loading
National Motorcycle Insurance Off Road Fire and Theft	Optional				Agreed or Market	Continue View details Compare product selection Compare	loading

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5 of 9 results

Roadside assistance	Accidental damage	Fire and theft	Choice of repairer	Agreed or Market Value
GIO Third Party Property Damage Motorcycle Insurance					Market	Continue View details Compare product selection Compare	loading
Youi Third Party Property Only Motorcycle Insurance					N/A	Protection against the cost of damage your motorcycle causes to third party property.	Get Quote View details Compare product selection Compare	loading
AAMI Third Party Property Damage Motorcycle Insurance					Agreed	Continue View details Compare product selection Compare	loading
Budget Direct Third Party Property Only Motorcycle Insurance					N/A	15% off your first year's premium when you take out a policy online. T&Cs apply.	Get Quote View details Compare product selection Compare	loading
National Motorcycle Insurance On Road Third Party Liability	Optional				Agreed or Market	Continue View details Compare product selection Compare	loading

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The cost of motorcycle insurance in SA

Provider	Annual cost	Apply
	$861.06	Get quote
	$623.08	Get quote
	$1,680.18	More info
	$1,121.68	More info

_{These quotes are accurate as of May 2025}

• How we got these quotes

  *Quotes were sourced on the following profile:

  • 35 years old, 5+ years licensed
  • Male
  • No finance
  • Private use of motorcycle
  • Adjusted excess to $500 where possible
  • Motorcycle is parked in a locked garage
  • Exclude drivers under 25

  • No additional driver
  • Start date of policy 30 May 2025
  • No discounts, no memberships, no add-ons
  • Drives 4,000–8,000km per year
  • Located in Adelaide, SA 5000
  • 2021 Yamaha MT-09A MY20 Sports

  Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of motorcycle you drive, the colour of the motorcycle, how long you have been driving and the amount of cover you need. Be sure to read the PDS to find cover that suits you.

What affects the cost of motorcycle insurance?

• Age: the younger you are, the more expensive your premium will be. This is because insurers view you as more risky.
• Your motorcycle's engine power: more powerful bikes are often more expensive to insure. This is usually because they cost more to repair and are generally seen as higher risk vehicles.
• The level of cover you choose: Comprehensive motorcycle insurance is typically the most expensive level of cover but it can also be the best value based on what you need. For cheaper options, look at third party insurance (either third party property damage or third party fire and theft).
• Your driving history and claims history: If you have incurred demerit points then it shows the insurer that you're riskier and therefore they'll up your premium. Similarly if you've had to make a claim before, this usually results in a higher premium.
• Where you park: If your motorcycle is parked on the street, it will result in a higher premium. If you have a garage or a car port, parking it here can bring the cost down.
• Loans: If your motorcycle is financed by a loan or lease, this can make it more expensive to insure.
• Your mileage: The more kms you rack up, the more your premium will be. This is simply because the further you ride, the longer you're on the road, the bigger a liability you are.

Our expert says

"It always pays to compare multiple motorcycle insurance policies. The most expensive isn't always the best and the cheapest isn't always the worst. But you can't understand the value of each policy until you've gotten quotes and weighed up the features on offer. I like to get a minimum of 5 quotes to know what I'm working with and then use this as leverage to negotiate with insurers for a cheaper cost."

Peta Taylor

Publisher of Insurance

FAQs

• Do I need motorcycle insurance in SA?

  Yes, you must have compulsory third party insurance on your motorbike to ride on SA roads (and all of Australia). The good news is, if your bike is registered then you already have CTP as this is all included in your rego in South Australia.

  Additionally, there are other types of insurance available, like third party property damage and comprehensive, but they're not compulsory.

• Who is the cheapest motorcycle insurer in SA?

  The cost of motorcycle insurance will vary based on your personal profile and the motorbike you ride. We got quotes using a fictional profile and found that QBE is the cheapest of the 5 we researched. Keep in mind, your own quote will differ.

Written by

Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio