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125cc Bike Insurance

125-riding125cc motorcycles are incredibly popular because they’re easy to ride and cheap to buy, run and insure.

In 2016 almost 40% of the 128,644 motorcycles sold were between 50-125cc. 125cc bikes generally occupy the lowest insurance bands, which makes them ideal for those looking for cheap transport.

Why 125cc bikes are so popular

While owners of larger, more expensive bikes tend to only use their bikes when the weather is good, 125cc bikes are generally pressed into service as daily transport and so cover higher mileages. Although many 125s are used for commuting, there are also some models that are favoured by younger riders. These models generally have a higher insurance premium due to their younger and more inexperienced riders.

If you’re only interested in riding a 125cc bike, you might be tempted to take your CBT, rather than get a full licence, but insuring a 125cc motorcycle will be more expensive with just a CBT.

How much is 125cc insurance?

As with all motorcycles, the price of insurance depends on many factors, such as how many miles you cover in a year, your address and where the bike will be kept overnight. 125cc insurance is generally cheaper because the bikes don’t produce a huge amount of power, meaning they’re easier to ride and fall into lower insurance groups.

Popular 125 models

Today there are more learner-legal 125s than ever to choose from, ranging from nakeds to sportsbikes and more, with both new and used examples from almost all of the mainstream manufacturers to suit all styles, budgets and riders. For our full list of best 125cc motorbikes, see here.

The cheapest 125cc motorbikes to insure

Getting the cheapest 125 insurance usually comes down to picking a bike that suits you and your needs, in the lowest insurance group bracket possible. Often the sportier the bike, the higher the premium, but you can still get something with a bit of character and also get a good deal. Check out the list below with some of the 125cc bikes in the lowest insurance groups. Click any link to read our full MCN review of that bike.

How can I get cheaper 125cc insurance?

You can get cheaper 125ccc motorcycle insurance by securing your bike properly, covering less miles and using it only for social and pleasure use. If you have access to a locked garage, parking your 125cc bike in there overnight will help lower the insurance premium. To make it even cheaper put extra security on your bike such as disc locks, chains and alarms.

Covering fewer miles over the course of a year (where possible) will also lower your insurance cost, as will not using it for business.

You can compare and save on comprehensive 125cc insurance cover with MCN Compare. We compare against all the top insurers in one place to ensure you get the cheapest cover possible. See for yourself, get an online quote with MCN Compare (online and over the phone).

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Read our next article on Scooter insurance here>