It depends entirely on the circumstances. It depends on the engine size of the car/motorbike, age of the driver/rider, experience, points on their license, insurance group of the car.motorbike. I drive a 1.6i car at 21 insurance cost is over £1000 with 2 years NCB, I ride a 50cc race replica motorbike with a tuned engined and the insurance costs £350 with 4 years NCB. On average I would say cars cost more to insure than motorbikes.

It very much depends on the type of insurance you buy. Vehicle insurance is normally divided into three separate elements: personal liability and property damage, fire and theft (comprehensive), and collison. The first of these, personal liability and property damage (PLPD), protects others from things you, as a driver, do and is mandatory in most jurisdictions. PLPD is usually less expensive on a motorcycle, because motorcycles cost the insurance companies less in these type of claims. It is the rider of the motorcycle who is at risk of serious injury in a collision with a car, not the other way around. if you hit a pedestrian, that person is most likely to have fewer injuries than if he or she had been hit by a car. The other two types of insurance are optional. Comprehensive covers damage that can happen to the vehicle by other persons or agencies. It it more expensive on motorcycles than on cars, because a motorcycle is so easy to steal or to pilfer from. Collision covers damage that drivers do to their own vehicle. It also is more expensive on a motorcycle than on a car, because motorcycles are usually damaged even in a minor collision (e.g., dropping it in a corner). But you have to shop around, because motorcycle insurance rates vary much more than car insurance. You can be certain that a high rate is offered by companies that don't want your business, which is why there are insurance companies that specialize in handling motorcycles.

Motorcycle insurance is much cheaper than car insurance. I pay 120.00 per year for full coverage on my new Suzuki, verses approx 1300.00 for my new Ford pickup.