Motorcycle insurance QLD

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 Queensland and on Australian roads generally. For Queenslanders (and those in NSW), CTP is purchased separately to your registration. You won't be able to register your bike until you have CTP. This can be purchased from three providers in QLD: Suncorp, Allianz and QBE.
2. Third party property damage insurance (TPPD). This cover is optional. It helps pay for damage you cause to someone else's vehicle or property while riding your motorcycle. It's a practical choice if you have a lower-value bike and aren't too concerned about covering repairs or replacement costs yourself if it gets damaged.
3. Third party fire and theft insurance (TPFT). This cover is optional. It includes everything third party property damage insurance does, plus it covers damage to your motorcycle if it's stolen or damaged by fire.
4. Comprehensive insurance. This cover is optional. It includes everything in third party property damage and third party fire & theft, plus it also covers damage to your own motorcycle. It's a smart option if you have a high-value bike and wouldn't want to cover repair or replacement costs yourself.

Compare motorcycle insurance in QLD

• Comprehensive
• Third party fire and theft
• Third party property damage

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3 of 14 results

Roadside assistance	Accidental damage	Fire and theft	Choice of repairer	Agreed or Market Value
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 More info Compare product selection Compare	loading
QBE Comprehensive Motorcycle Insurance					Agreed or Market	Summary: Budget friendly and environmentally friendly. Who it might be good for: Anyone on a budget who still wants good-quality cover.	Get Quote More info Compare product selection Compare	loading
Youi Comprehensive Motorcycle Insurance					Agreed or Market	Summary: Youi has earned a reputation for great customer service and offers 24/7 roadside assistance with comprehensive polices. This is typically an optional extra. Who it might be good for: People who value a good customer experience and want the ability to customise their policy.	Get Quote More info Compare product selection Compare	loading

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3 of 9 results

Roadside assistance	Accidental damage	Fire and theft	Choice of repairer	Agreed or Market Value
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 More info 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 More info Compare product selection Compare	loading
QBE Third Party, Fire & theft Motorcycle Insurance					Market	Get Quote More info Compare product selection Compare	loading

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Roadside assistance	Accidental damage	Fire and theft	Choice of repairer	Agreed or Market Value
Youi Third Party Property Only Motorcycle Insurance					N/A	Protection against the cost of damage your motorcycle causes to third party property.	Get Quote More info 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 More info Compare product selection Compare	loading
QBE Third Party Only Motorcycle Insurance					N/A	Get Quote More info Compare product selection Compare	loading

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The cost of motorcycle insurance in QLD

Providers	Annual Cost
	$772.27
	$596.36
	$1,609.50
	$1,073.63

_{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 Brisbane QLD, 4000
  • 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: Younger riders usually pay higher premiums because insurers see them as higher risk.
• Your motorcycle's engine power: Bikes with bigger engines typically cost more to insure—they're usually pricier to repair and considered riskier on the road.
• The level of cover you choose: Comprehensive cover is generally the most expensive option, but it can offer the best value depending on your needs. For cheaper alternatives, consider third party options like third party property damage or third party fire & theft.
• Your driving and claims history: If you've picked up demerit points, insurers will see you as a higher risk, which pushes up your premium. The same goes if you've made claims in the past—it usually means higher costs.
• Where you park: Parking your bike on the street tends to mean a higher premium. If you can park in a garage or carport, you might save some money.
• Loans: If your bike is under finance or lease, it can be more expensive to insure.
• Your mileage: The more kilometres you ride, the higher your premium is likely to be—more time on the road means more exposure to risk.

Our expert says

"It's important to remember that loyalty does not pay. If you want to find a good value policy, you should be comparing your options every time you're due for renewal. Last year, my own motorcycle was insured with the cheapest provider at the time. When they renewed my policy, it cost more than double! It was insane given we'd never made a claim. I ended up switching and saved $550. It was a great reminder that the cheapest one year is not always the cheapest the next."

Peta Taylor

Publisher of Insurance

FAQs

• Do I need motorcycle insurance in Queensland?

  Yes, you must have compulsory third party insurance on your motorbike to ride on QLD roads (and all of Australia). You will need to buy CTP insurance before you can register your motorcycle. In Queensland, this is available from 3 providers: Suncorp, Allianz and QBE.

  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 QLD?

  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 4 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