It must be cheaper to run something with two wheels rather than four wheels – right? Well, it really depends on just how fancy those two or four wheels are. With car insurance prices getting higher and higher, it’s tempting to forego four wheels altogether but is a motorbike actually any better when it comes to running costs?

motorbike insurance

The average car insurance premium sets drivers back more than £700 a year and even the cheapest premiums have grown from £510 to £579 in the last year. 

Plus, there’s the cost of actually maintaining your car – servicing, MOTs, fuel, car tax (which varies from £0 for zero emissions to a whopping £515 annually). Not to mention you’ll need a bit put by for any emergency repairs – it’s a fact – car costs add up. In fact, a humble £18,000 car doing 45 mpg and averaging about 10,000 miles a year will cost you £2,600 to run every year.

Of course, the fancier your car is, the more expensive it will be to run, for example a 3 litre Range Rover Sport will cost you about £12,000 to run and even a VW Golf hatchback – one of the most popular cars on UK roads will set you back just under £5,000 a year in running costs.

A bike on the other hand, could cost you less to insure – half of our customers paid an average of £210*** for a policy – giving wannabe motorcyclists a huge incentive to ditch the car. Bikes are also less to tax – much less. If your engine is less than 150cc then you’ll pay just £17 a year to ride it on the roads, the most you’d pay is £82 for a bike with an engine of 600cc or greater.

So, whilst technically it can be cheaper to run a bike rather than a car, it’s like anything in life – if you’re an enthusiast, you’re not going to settle for average. And if you love your bike and live to ride it, then you’ll probably spend a small fortune in looking after it. But regardless of whether you’re a two wheel or four wheel fan, there’s one thing we can all do to save money – and that’s to make sure you for car or bike insurance – so what are you waiting for?


***50% of customers could achieve a premium of up to £209.57 a year based on data in February 2018