If you're a motorcycle rider looking to lower your insurance premium, one of the most straightforward ways to do it is to complete a Motorcycle Safety Foundation (MSF) Basic RiderCourse. Most major insurers recognize MSF certification and offer premium discounts of 5–15% for riders who complete the course.
What Is the MSF Basic RiderCourse?
The MSF Basic RiderCourse is a nationally recognized motorcycle safety training program that teaches fundamental riding skills, hazard awareness, and defensive riding techniques. The course consists of:
- eCourse (online) — About 5 hours of online instruction covering motorcycle controls, traffic strategies, and risk management
- Range exercises — About 10 hours of hands-on riding practice in a controlled environment
The total cost is typically $250–$350, and in many states, completing the course waives the DMV motorcycle skills test.
MSF Course Discounts by State
| State | Typical Discount | State Subsidy Available? |
|---|---|---|
| California | 5–15% | Yes — CA Motorcyclist Safety Program |
| Texas | 5–15% | Yes — Texas Motorcycle Education Program |
| Arizona | 5–10% | Limited |
| Nevada | 5–10% | No |
| Ohio | 5–15% | Yes — Ohio Motorcycle Safety Program |
How to Claim Your Discount
- Complete the MSF Basic RiderCourse at an approved provider in your state.
- Receive your MSF completion card (valid for 3 years with most insurers).
- Contact your insurance agent or broker and provide your completion card number.
- Your discount will be applied at your next renewal or immediately, depending on your carrier.
Other Ways to Lower Your Motorcycle Insurance Premium
- Bundle with auto or home insurance — Multi-policy discounts of 10–20%
- Store your bike in a locked garage — Reduces theft and weather risk
- Choose a higher deductible — Saves 10–15% on your premium
- Ride a lower-risk bike — Cruisers and touring bikes are cheaper to insure than sport bikes
- Maintain a clean riding record — No claims or violations for 3+ years earns significant discounts
Get a Motorcycle Insurance Quote
Sewell Insurance Agency works with multiple carriers that recognize MSF certification. Tell us about your bike and your riding experience, and we'll find you the best rate available in your state.