Motorcycle insurance QLD
Everything you need to know about insuring your bike in Queensland.
There are 4 types of motorcycle insurance available:
- 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.
- 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.
- 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.
- 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.
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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
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."
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