Motorcycle insurance SA
Your guide to motorcycle insurance in South Australia.
Key takeaways
- Compulsory third party insurance for motorcycles is included in your South Australian rego.
- Policies offer diverse features like choice of repairer or agreed value, impacting your cover.
- Our sample profile found QBE's annual comprehensive policy costs $623.08, but your quote will differ.
- 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.
- 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.
- 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.
- 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.
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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
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."
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