Best Motorcycle Lock to Lower Insurance
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Best Motorcycle Lock to Lower Insurance | Top 7 to Save Money

Every motorcycle owner wants to keep their bike safe and their insurance cost low. So you might be thinking, what is the best lock to both safeguard your steel baby and please the insurance companies?

I have chosen the Kryptonite New York Chain and Disc Lock as my ‘Best Overall’ option for its incredible durability and safety features which will help reduce your insurance.

But that’s not all there is. Scroll down for an in-depth look at more picks including anchor locks or options with GPS tracking functionality!

Related post: 10 Tips for How to Get Cheaper Motorcycle Insurance

IMAGE PRODUCT DETAILS 
Kryptonite New York FAHGETTABOUDIT 1415 14mm Chain & New York Lock 15mm Disc Lock , Black
Best overall
Kryptonite New York Chain and Disc Lock
  • Durable reinforced manganese steel chain and disc lock system.
Best GPS System
Monimoto 7 GPS Tracker
  • Motorcycle GPS tracking system with mobile application and monthly subscription cost.
Tchipie Disc Brake Lock Motorcycle Alarm with 110db Alarm Sound, Theft Prevention Security Wheel Disk Lock for 7mm Brake Rotor, Heavy Duty with 5 feet Reminder Cable for Motorcycles Bicycles
Budget Option
Tchipie 110db Motorcycle Alarm Disc Lock
  • A very inexpensive yet reliable alarm system that works as an anti-theft device for your motorcycle.

Best Motorcycle Lock to Lower Your Insurance

Best Overall – Kryptonite New York Chain and Disc Lock

Best Overall

Kryptonite New York FAHGETTABOUDIT 1415 14mm Chain & New York Lock 15mm Disc Lock , Black

Kryptonite Chain and Disc Lock

Durable reinforced manganese steel chain and disc lock system.

The Kryptonite New York Chain and Disc Lock is about as robust and rugged as its name suggests. This lock is for the most hardcore motorcycle security fanatics who really want the safest option to reduce their insurance quote.

Kryptonite is one of the leading motorcycle lock manufacturers in the USA with over 45 years of experience in the industry. They pride themselves on creating some of the strongest locks available on the market, one of which is the New York Lock Kryptonite which sits proudly at the top of their ‘Security Rating’ system.

The chain offers a 150cm long, 14mm wide manganese steel chain to provide maximum strength. It also has a hardened double deadbolt design to secure the chain in place and prevent the lock from being removed. 

Aside from the lock’s impressive specifications, Kryptonite also offers a ‘Key Safe’ program. This means that if you lose your keys, they will send you a new pair, which is a nice little security option to have!

Finally, Kryptonite is so confident in their product that they offer ATPO (Anti-Theft Protection Offer) with their top of the range of products. You simply need to register on their website, fill out some information about your motorcycle, and you will receive an independent insurance plan in which they will cover a certain amount of money if your motorcycle is one of tens of thousands of bikes that get stolen every year!

Best GPS Tracking System – Monimoto 7 GPS Tracker

Best GPS Tracking System

Monimoto 7 Smart GPS Tracker

Motorcycle GPS tracking system with mobile application and monthly subscription cost.

The Monimoto 7 GPS Tracker is a state-of-the-art motorcycle GPS tracking system that should be used alongside a physical lock to offer additional security and lower the price of your motorcycle insurance further.

The latest GPS tracking system from Monimoto, the Monimoto 7 consists of a tracking device, key fob and an app for your smartphone. You simply need to conceal the Monimoto tracking device on your motorcycle in a spot where it would be difficult to find.

The tracker is paired with the key fob, such that whenever you leave the vicinity of your motorcycle, the tracker arms itself and its motion sensor.

If the Monimoto tracker detects movement while you and the key fob are not nearby, it enters Alarm Mode. It will then call your phone and then start sending GPS coordinates to the Monimoto app installed on your smartphone.

The GPS itself is very affordable for the peace of mind that it offers. However, there is an additional $49 annual fee for the GSM connectivity.

Overall the Monimoto Tracker is a great option for those looking to reduce their insurance and add that extra peace of mind.   

Best Budget Option – Tchipie 110db Motorcycle Alarm Disc Lock

Best Budget Pick

Tchipie Disc Brake Lock Motorcycle Alarm with 110db Alarm Sound, Theft Prevention Security Wheel Disk Lock for 7mm Brake Rotor, Heavy Duty with 5 feet Reminder Cable for Motorcycles Bicycles

Tchipie 110db Motorcycle Alarm Disc Lock

A very inexpensive yet reliable alarm system that works as an anti-theft device for your motorcycle.

Bright, loud, and strong! These are the words to best describe the Tchipie 110db Motorcycle Alarm Lock, an excellent option for those looking for premium security on a budget. This is a durable disc brake lock that’s combined with a sensor alarm to deter would-be thieves.

Nowadays, disc locks are a very popular and affordable option for many motorcycle owners. The Tschipie disc lock is made from a tough aluminum alloy and is painted a noticeably bright color, which in my book, is a huge positive that provides a visual deterrent to anyone up to some mischief!

Let’s not forget the fact the Tchipie lock has an incredibly loud 110db alarm system to help alert nearby people and scare off anyone who decides to tamper with your bike. 

On the downside, it can only be used for brake roots that are less than 7mm thick.

Best Anchor Lock System – Kryptonite Stronghold Anchor Bike Lock

Best Anchor Lock System

Kryptonite Stronghold Anchor Bike Lock

Strong anchor lock to secure your motorcycle.

As seen in our article on the best motorcycle security systems, the Kryptonite Stronghold Anchor wins my best ‘Anchor Lock System’ to reduce your insurance. Anchor lock systems are incredibly useful for riders who don’t have the luxury of a garage or secure parking. 

Need to park your bike outside? No problem! The Kryptonite Stronghold Anchor Lock is fixed to concrete and boasts a 16mm hardened carbon alloy steel shackle to provide maximum strength and security!

Best Value for $$ – Oxford HD Chain and Padlock

Best Value for $$

Oxford - HD Chain Lock

Oxford HD Chain and Padlock

A great combination of a tough padlock and a heavy duty steel chain.

Oxford has a range of highly-rated products for securing motorcycles.  This is a heavy-duty chain and padlock combo at an affordable price. While it’s not as robust as our top pick, considering the price, the combo offers solid value.

It has a double locking system and a shackle made from hardened steel. The 10mm chain links are made from high-grade alloy steel. The metal is zinc coated to reduce corrosion. 

Additionally, the chain also comes with a durable cover. However, it is not waterproof.

If you are unwilling to lug the heavy chain around, no worries. The padlock also works as a disc lock. It weighs around 1.2 lbs. and is compact.

The outer body of the lock has a durable plastic cover. The inner metal frame is robust enough to withstand blows.

The lock comes with a set of three keys. The lock body has a revolving cover to keep out water and dust. I find this a practical design feature.

While it’s not the best deterrent in this category, at this price we will recommend it for its lightweight design and versatility.

Best Handlebar Lock – Monster Fairings Motorcycle Lock

Best Handlebar Lock

Monster Fairings Red Motorcycle Locks Heavy Duty Anti Theft Adjustable Bike Handlebar Lock for Protection

Monster Fairings Motorcycle Lock

An easy to use and affordable handlebar lock that offers full security for your motorcycle.

Honestly, this is one of the most versatile locks on the market. You can use it not just for securing motorcycles, but also ATVs, scooters, and sports bikes.

Made from CNC aluminum, the lock body has a robust tamper-proof design. Moreover, it’s also weather and corrosion-resistant. At the core of the system, there is a needle lock made from stainless steel.

The lock takes a few seconds to get installed and works through a push mechanism. A pair of keys are supplied for unlocking.

The biggest advantage is, the lock is easy to use and immobilizes the throttle and brake. The design makes it resistant to bolt cutters and other attacks.

That means you don’t need to handle heavy chains and grimy padlocks. Also, you can adjust the calipers to ensure minimum pressure is applied on the brakes.

Another plus is the ultra-compact design and a weight of just 14 oz. So, carrying it around is not a hassle. 

That said, it won’t work on all grips. We will also advise you to use it with soft hands to prevent any damage to the grips.

Other than that, it’s an affordably priced lock that offers solid protection.

Best Cable – Kryptonite KryptoFlex Looped Bike Security Cable

Best Cable

Kryptonite KryptoFlex Looped Bike Security Cable, 2'6' (5mm)

Kryptonite KryptoFlex Looped Bike Security Cable

A high-quality cable that can be used with a padlock, or for securing tools to your motorcycle.

Perhaps you already have a heavy-duty padlock. But the idea of lugging a heavy chain is preventing you from using it.

Then, this 10-mm braided steel cable with double loops is a great lightweight option. To be honest, it won’t offer the same level of protection as a steel chain. But it’s a simple and pocket-friendly way to secure your bike to an anchor point.

In addition, it can also be used to secure other gear, like a helmet, to the motorcycle. It is available in four different lengths to help you pick. Since it’s super light, portability isn’t an issue.

Besides, the cable is super flexible. So, you can easily loop it around anchor points. By using the longer length of 30 feet, it can also be used to secure multiple motorcycles.

The tightly woven steel wires are also covered by a vinyl cover. The braided design also ensures better protection against wire cutters.

Keep in mind, this cable will not resist an attempt by thieves carrying a bolt cutter. So, it is not recommended if you’re planning to leave your bike unattended for an extended period of time.

What to Consider When Buying a Motorcycle Lock to Lower Insurance

Black and yellow motorcycle lock

The Style of Lock

We have looked at a few different options to keep your precious motorcycle safe and sound, but the style of security system you use can make a big difference to your insurance quote.

For example, I doubt that simply having a GPS tracking system without any additional security will be enough to satisfy and convince the insurance company to give a substantial reduction in price. However, combined with a physical lock, it could help reduce your insurance even further! 

If you only want to invest in one locking system to reduce your insurance, then a chain and disc lock or anchor lock system will be your best bet. They’re strong, durable, and a nightmare for thieves to try and break! 

Frequently Asked Questions

Is it worth investing in an expensive lock?

Depending on a few different factors, it might cost you more money to invest in a top-quality lock than the money you will save on your insurance. However, having a good motorcycle security system will significantly reduce the chance of having to make a claim for theft, and we all know that it can be a lengthy process.  

Motorcycle lock and alarm

How can I find cheaper motorcycle insurance?

The best way to find the most suitable insurance plan for you is to use a comparison website. There are many sites that offer this service if you search “compare motorcycle insurance”. You can submit your motorcycle information and state what lock system you use, and it will present you with an array of insurance providers and different options of cover. 

Last update on 2022-11-15 / Affiliate links / Images from Amazon Product Advertising API

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