Top 8 Best Motorcycle Lock to Lower Insurance 2022

What is the link between motorcycle theft and insurance costs? Well, the charges are likely to be higher if your motorbike is at a higher risk of being stolen. So, a smart measure that you could take is investing in the right motorcycle lock to keep your vehicle safe.

In this article, we shall tell you all you need to know about the best motorcycle lock to lower insurance costs. Besides providing you with a list of top items, we shall also guide you on how you can find the best of them all.

Let’s start with the products.

Best Motorcycle Lock to Lower Insurance

Motorbike Locks for Cheaper Insurance Premiums: Comparison

This list contains a sample of motorcycle locks that we consider the best in the market. Our reliable team of researchers came up with the following brief reviews of the products to tell you more about them.

RankingProduct NameMaterialBrand
1 Tchipie Motorcycle 110db Alarm Disc LockAlloy AluminumTchipie
2Kryptonite 00084 Keeper Disc LockStainless SteelKryptonite
3Kryptonite New York Chain and Disc LockMAXPerformance steelKryptonite
4Yohoolyo Motorcycle Alarm Disc LockAluminum alloy‎YOHOOLYO
5Agptek Disc Lock AlarmZincAGPTEK
6BigPantha Motorcycle Helmet Lock & CableRubberized AluminumBigPantha
7Trimax T665LY Metal Disc LockMetalTrimax
8ToolWRX Motorbike Handlebar LockAluminumToolWRX

1. Tchipie Motorcycle 110db Alarm Disc Lock

The first item on our list is a budget-friendly disc lock for your motorbike that is built to last for a while. It features a 110db alarm system that is loud enough to scare off potential thugs or alert passers-by of impending illegality.

Then, the lock is brightly colored so that anyone who was planning to steal your motorbike would feel discouraged instantly.

Lastly, the aluminum alloy construction means it will be a while before you start thinking about getting a replacement unit.


  • Decently priced
  • Well-made
  • It has a loud sensor alarm


  • Not weather-rated

2. Kryptonite 00084 Keeper Disc Lock

Next up is a lightweight and weatherproof unit with a stapler design to lock the wheels and ensure your motorbike doesn’t roll away. With that, no thief can move the vehicle anywhere.

We liked how solidly built this lock is to ensure that it remains useful for the longest time possible. In addition to that, the lock is compact enough to fit into your jacket pocket with ease.

With the design, you will have peace of mind whereby the key is not removable unless the unit is fully locked. The lock is also easy to put on and remove to relieve your mind further.

Lastly, it is highly visible to deter potential thieves from attempting to steal your motorbike.


  • Lightweight and compact
  • Easy to put on and remove
  • Bright yellow color


  • Not compatible with all motorcycles

3. Kryptonite New York Chain and Disc Lock

Here is another lock by Kryptonite that we believe will be quite effective in reducing your insurance costs. Let’s start with the chain, which offers you a manganese steel chain of 150mm by 14mm to offer excellent strength for security.

Besides that, the chain features a sturdy double deadbolt design to secure the chain in place and ensure the lock isn’t removed easily.

Another impressive aspect of this product is the ‘Key Safe’ program. Here, the company will send you a new pair of keys in case you lose yours. This will give you peace of mind as you are safe from being stranded.


  • Rugged and sturdy
  • Replacement keys available
  • Double deadbolt design for maximum security


  • A bit heavy

4. Yohoolyo Motorcycle Alarm Disc Lock

What is so impressive about the Yohoolyo disc lock? There are several answers to this question. For instance, the padlock is made out of top-notch aluminum to make it rust-resistant. As a result, you can expect it to serve you and look good for quite a while.

Another great aspect of the lock is its waterproof design that ensures the unit is not easily damaged by water if exposed to it.

You may also be pleased with the lock pin that the padlock comes with for additional security. Further, the pin is compatible with most motorcycle disc brakes, and you could always help out a friend.

Most of all, the lock can give out a loud sound to alert people that burglary is about to happen.


  • Easy to lock
  • It has a loud alarm
  • Waterproof design


  • The alarm tends to trigger itself

5. Agptek Disc Lock Alarm

Do you feel that your motorbike would be safer if its lock features a loud alarm? Well, that is what the best motorcycle alarmed disc lock will give you, at 100db, the alarm is loud enough to scare off any thug thinking of stealing your motorbike.

The built-in motion detector sets off the alarm if it picks up vibrations and shocks. This is a crucial aspect of the lock’s capability to keep your motorcycle safe from thugs.

Then, the combination of high-quality aluminum construction and waterproof design aims to make the lock effective and durable.

Last but not least, the lock comes in a package that includes a key, wrench, a reminder cable, and a user manual. So, you have everything you need to get started.



  • No power button

6. BigPantha Motorcycle Helmet Lock & Cable

How about a lock that secures the entire motorcycle system, including your helmet? That is what BigPantha offers you, with a cable and lock that secures your helmet to your bike.

Unlike other locks, this particular product has its D-ring coated with a protective rubberized sleeve to ensure it does not damage your bike or helmet.

Besides that, the retractable cable features a weather-resistant outer casing to make it durable and also friendly to your helmet and motorbike.

Lastly, the product comes with a set of instructions to guide you on how to get started. So, you shouldn’t have any problem securing your items as they should.


  • Works for all types of helmets and motorbikes
  • Bike and helmet-friendly
  • Easy to use


  • Combo-lock numbers are poorly visible

7. Trimax T665LY Metal Disc Lock

Trimax gives us a budget-friendly lock that is still effective in protecting your bike from thieves. First, the lock is made out of hardened metal for top-notch security as it can withstand sawing and cutting tools.

Then, it is highly visible to act as a deterrent to potential thieves.

Besides the protection it offers, the lock comes with a pouch to help in carrying it around. The metal disc itself weighs only 1.4lbs to further make it easy to move around with it.


  • Budget-friendly
  • Lightweight
  • Sturdy construction


  • Poor quality carrying pouch

8. ToolWRX Motorbike Handlebar Lock

The final item on our list is a robust yet lightweight lock that won’t weigh you down if you choose to move around with it.

It is constructed from high-quality CNC aluminum that no one can cut through with any cutting tool. Further, it has a tamper-proof design which means you can park your bike just about anywhere.

The lock is pretty easy to put on and take off, plus features an anti-scratch lever protector to ensure your bike doesn’t get scratched.

Lastly, it is designed to be weather-resistant and won’t rust easily.


  • Works for all types of motorbikes
  • Unique tamper-proof design
  • Sturdy construction


  • Not big enough for some bikes

Buying Guide for Motorcycle Lock to Get Lower Insurance Rate for your Two-Wheeled Vehicle

In case you are wondering how we arrived at our decision on the top items, here are the factors that we focused on in our search.

A Reminder Cable

This is an accessory that seeks to remind you that you have locked your bike. As a result, you won’t embark on riding your bike before removing the lock, thereby avoiding costly damages.


The ideal motorcycle lock ought to be constructed out of long-lasting material such as aluminum alloy or steel. This would ensure it is hard enough to withstand cutting tools such as saws that thieves use.

Further, the material should be one that doesn’t easily damage other parts of the bike.

Other factors that we looked at include:

  • Ease of use
  • Portability
  • Alarm
  • Price
  • Visibility

Tips on How to Keep Your Motorcycle Safe

Many motorbike owners tend to leave their motorbikes without any extra security, exposing their vehicles to burglary. Here are some tips on how you can enhance your bike’s safety.

  • Always use a decent lock that wouldn’t be tampered with easily
  • Use a high-quality chain and lock to secure your bike or scooter. This is because it would be harder to move your vehicle when it is locked to something
  • You may also cover your bike as this extra layer would boost the existing security measures

Frequently Asked Questions (FAQ) on Motorcycle Lock to Lower Insurance

some of your queries will also feature here.

Is an expensive lock worth investing in?

Yes, it is. A reliable security system will greatly reduce your chances of making claims, and we all know how annoying that process is.

How do I lock my motorcycle seat?

In most instances, you can lock your seat using your bike’s ignition keys. In other instances, some motorbikes have two sets of keys for different tasks. All in all, seat locks tend to be weak and can be broken easily.

Which lock is a perfect fit for my motorbike?

It all depends on the design that you go for since some locks can only fit specific models while others are compatible with a wide range of bikes.

Our Top Pick #1

After closely analyzing all the products, we considered the Tchipie Motorcycle 110db Alarm Disc Lock to be the best of them all. Besides the security aspects such as sturdy construction, a loud alarm system, and high visibility, the lock is budget-friendly so that you don’t have to dig too deep into your pockets.

Closing Remark

With that, we hope you are in a position to find the perfect motorcycle lock that would help protect your investment. And with a good lock, your chances of being mugged would be greatly reduced, which would translate to lower insurance costs.

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