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Motorcycle Insurance Austria 2025

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Important: Important: Motorcycle liability insurance is legally required in Austria. This guide is for general information purposes.

Coverage Types Overview

Liability

Required

Legally mandatory. Covers damage to third parties.

  • Personal injury
  • Property damage to others
  • Min. €20M recommended

Partial Comprehensive

Recommended

Protection against theft, natural hazards, and glass damage.

  • Theft
  • Animal collision
  • Storm & hail
  • Glass breakage

Full Comprehensive

Premium

Complete protection including self-caused accidents.

  • All partial coverage
  • Own accident damage
  • Vandalism
  • Parking damage

What Affects the Price?

FactorImpact
Coverage typeLiability < Partial < Full Comprehensive
Motorcycle list priceMore expensive bike = higher premium
Engine power (kW/HP)More power = more risk
Bonus-Malus levelClaim-free years are rewarded
DeductibleHigher deductible = lower premium
Storage locationGarage = possible discount
Price Example

BMW R 1250 GS Adventure

Coverage

Liability + Full Comprehensive

Insurance sum

€20 million

Deductible

€350

Monthly premium

€215 - €265

Prices vary by provider and individual factors.

❄️ Winter Break Savings

Save money during winter months when your motorcycle is stored.

Deposit license plates

Return your plates to the registration office and receive a premium refund for winter months.

Winter discount

Many insurers offer winter discounts without requiring you to return your plates.

Registration Costs 2025

Total approx. €299.50
Official fees€178.00
Processing fee€65.60
License plate€13.00
Inspection stickers€2.30
Registration certificate (optional)€29.50

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Compared Providers

AllianzDonauERGOGeneraliGraweHDIHelvetiaMUKIUNIQAWiener StädtischeWüstenrotZurich

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Disclaimer: Disclaimer: The information in this article is for general guidance only and does not constitute insurance advice. All information about prices and benefits is non-binding and may change at any time. For binding information, please contact the respective insurance providers directly.