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The true cost of motorcycle ownership can’t be determined without the purchase price of the bike! Motorcycle Insurance Cost Calculator – Be mindful of the leading providers in the nation, and attempt to compare each provider’s cost and coverage to be sure you just get your insurance from the most trusted provider. and Alberta to calculate the premiums for the BMW motorcycle, for one operator with a driver history similar to Gurney. However, each rider has unique circumstances that may influence the cost of motorcycle … Elite coverage provides current market value for a motorcycle that’s less than five years … Read more. To help California motorcycle riders understand the cost of insurance statewide, we calculated the citywide averages for 40 of the largest cities in California, to help understand how rates compare statewide. At the same time, the calculator provides the best match and lowest price to suit your needs. 0 Comment. Coverage. 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