Will A Motorcycle Endorsement Increase My Insurance Premium?

Whether you are an avid motorcyclist or just enjoy an occasional ride on a motorcycle, you will need to make sure that you are properly licensed and insured before hitting the open road, just like you do with your vehicle. To lawfully operate a motorcycle on the road, you will need to acquire a motorcycle endorsement on your license. This endorsement will ensure that you have the ability to operate a motorcycle. You will be required to take both a written and driven exam, just like your regular driver’s license.

Do A Motorcycle Endorsement Effect My Insurance Premium?

  • Similar to your regular auto insurance, a motorcycle endorsement alone will not raise or lower your insurance premium; however, the same factors that affect your auto premium will also affect your motorcycle liability such as your driving record, accidents, and claim history.

What Else Could Affect My Insurance Premium In Regards To A Motorcycle License?

  • Helmet Laws
    • Since Maryland requires the use of a helmet when operating a motorcycle, your insurance premium may not go up as much as a state that does not require a helmet to operate a motorcycle.
  • Motorcycle Safety Course
    • If you are able to present a completion certificate for a motorcycle safety course from an approved school, then this will help reduce the risk of issuing insurance for yourself as a motorcyclist. By completing a motorcycle safety course, you will be able to prove that you know how to operate a motorcycle within the laws of the state, and with proper safety measures.

How To Obtain A ‘Class M’ Endorsement For My Standard Driver’s License In Maryland

  • If you have a Maryland driver’s license that is valid and you have successfully completed a Motorcycle safety program course, then you will be able to present your certificate to any Motor Vehicle Authority (MVA) office to obtain a motorcycle endorsement for your license.

Can I Transfer An Out-Of-State Motorcycle License For A Maryland License?

  • If you have a valid out-of-state motorcycle license or endorsement, you must meet the vision requirements to transfer your license.  The knowledge test and skills test are not required unless your out-of-state license has been expired for more than one year.

Get A Quote

Motorcycles can be fun for miles and miles if you are interested in adding motorcycle insurance to your current insurance premium, then do not hesitate to contact Maryland Auto Insurance today for a no-hassle quote.


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