In the first quarter of 2025 there was a marked increase of 9 % compared to the same period in 2024.
According to lelynx.fr, these increases are due to a significant increase in repair costs and spare parts,
as well as an increase in the number of accidents.
50 cc: a large insurance premium
For all-risk insurance, it takes € 598 per year for a motorcycle, € 448 for a scooter of 125 cc and € 566 for a two-wheeler of 50 cc (only 32 € less than a motorcycle).
On the other hand, for third -party insurance, a 50 CC costs € 323 (€ 50 more than a motorcycle at € 271), while ensuring a scooter of 125 CC returns to € 252.
These bonuses raised for two-wheelers of 50 CC are explained by young and inexpensive drivers, while motorcycle drivers are generally older and prudent. In addition, this type of two-wheeler is mainly used in town where the risks of accident and flight are important.
Motorcycle insurance: young drivers pay double
Young bikers under 25 pay a premium of € 741, almost double (+97 % more) compared to other drivers (€ 376).
In addition, in 2024, they underwent an increase in their much more marked premium, with an increase of 10 % compared to 2023, against only 3 % for other drivers.
190 € difference between Brittany and Île-de-France
2 -wheel insurance premiums vary considerably depending on the region and cities. With an average premium of € 545, Île-de-France is the most expensive region.
The high population density increases the risks of hanging, while parking on the public highway exposes two-wheelers more to attempted theft.
The Brittany region is on the other hand that for which the premium is the weakest (€ 355). The Pays de la Loire region records the highest increase, by 8 %, with a bonus reaching € 373. Paris remains the most expensive city with a premium of € 568 followed by Marseille with a premium of € 524.
The idea of Arthur Martiano, CEO of LeLynx.fr
In 2024, the increase in motorcycle insurance premiums was explained by the increase in the cost of repairs and spare parts, as well as a growing loss.
Young drivers are particularly impacted, with bonuses almost twice as high than those of more experienced bikers.
For example, a young driver of 23 years old with 1 year and a half of insurance history will have to pay around € 1,095 to ensure in all risks a Yamaha MT-07, the most widespread model, while a 40-year-old biker, with many years of driving, will only pay € 579 for the same model, almost twice.
