First, the State of Oregon allows you to reject or exclude medical coverage for the driver and passenger on a motorcycle policy. An auto insurance policy requires that you include medical coverage through Personal Injury Protection for the driver and each passenger. With rising medical expenses, that makes a massive difference in how much the auto insurance company would have to pay if you must go to the hospital. Since you can reject that coverage on a motorcycle policy, the insurance company would not pay any medical expenses if you get hurt in a motorcycle accident. We assume you have a good health insurance policy through a private carrier or the Oregon Health Plan (OHP) if you reject the medical coverage from your motorcycle policy.

Next, chances are, you will do less damage to the property of others with a motorcycle than you would if you hit someone with a car. The sheer size difference between a car or truck and a motorcycle suggests that the motorcycle will suffer more damage. So, the amount of property damage the insurance company will have to pay on average is less than if you were driving a car.

The same goes for the injury you may cause while riding a motorcycle. If you hit a car, the harm the passengers will sustain in that car will be minimal to no injury at all. The rider is more likely to be injured, as there is very little metal protecting them compared to the amount of metal protecting an automobile's passengers.

Motorcycle insurance can get expensive in a hurry if you choose to include physical damage coverage. Depending on the bike and the insured’s driving record, prices can range anywhere from $500 to $10,000 a year.