Who Has the Cheapest Motorcycle Insurance in Indiana?
Progressive has the best cheap motorcycle insurance in Indiana, at $12 per month for full coverage.
Compare Motorcycle Insurance Quotes in Indiana
Best cheap motorcycle insurance in Indiana
ValuePenguin gathered more than 350 quotes from the largest cities across Indiana to find the best cheap motorcycle insurance in the state.
Our experts ranked the best motorcycle insurance companies in Indiana based on customer service, cost and coverage availability.
To find the cheapest companies, we compared quotes for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. Full methodology.
Cheapest motorcycle insurance in Indiana
Progressive has the cheapest motorcycle insurance in Indiana.
A full coverage policy from Progressive costs around $12 per month. That's half the typical price statewide and $7 per month cheaper than the second-best option, Dairyland.
Compare Motorcycle Insurance Quotes in Indiana
The average cost of motorcycle insurance in Indiana is $28 per month, or $339 per year, for full coverage. That's $5 per month cheaper than the national average.
Cheapest motorcycle insurance companies in Indiana
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $12 | |
| Dairyland | $19 | |
| Harley-Davidson | $27 | |
| Markel | $31 | |
| Geico | $32 | |
Best motorcycle insurance for most riders: Progressive
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Editor rating
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Monthly rate
$12 ?
Pros and cons
Progressive is the best choice for most Indiana bikers because of its cheap rates, good coverage and dependable service.
Full coverage motorcycle insurance from Progressive costs just $12 per month, or $148 per year. That's less than half what most riders pay for coverage in Indiana.
In addition, Progressive's basic policy includes extra coverage for custom parts and accessories and full replacement cost for parts. That means Progressive will fix your bike with brand new parts after a crash, regardless of any wear and tear before the accident. Most other companies charge extra for these perks.
However, Progressive doesn't offer rental reimbursement coverage for riders. That means you'll have to pay for a rental vehicle while your bike is in the shop after a crash. For that reason, Progressive may not be the best choice if your motorcycle is your only vehicle.
Customers can expect good service at Progressive. It gets about 35% fewer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC).
Best for daily riders in Indiana: Dairyland
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Editor rating
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Monthly rate
$19 ?
Pros and cons
Dairyland is the best choice for Indiana bikers who ride their motorcycles daily because it offers both rental reimbursement and roadside assistance.
These coverages are important for daily riders because they can help you get to work or run errands when your bike needs repairs.
- Rental reimbursement coverage pays for a rental vehicle while your bike is in the repair shop after a crash.
- Roadside assistance will schedule and pay for a towing service if your bike breaks down on the side of the road. Dairyland roadside assistance can also help change a flat tire, jump start your battery or deliver fluids like gas or oil.
Dairyland is the second-cheapest company for motorcycle insurance in Indiana. Full coverage from Dairyland costs $19 per month, which is $9 per month less than the state average.
However, customers aren't always happy with the service they get from Dairyland. It gets 60% more customer complaints than an average company its size, according to the NAIC. That means Dairyland may take longer to pay your claim after an accident than other companies.
Best motorcycle insurance discounts: Harley-Davidson
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Editor rating
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Monthly rate
$27 ?
Pros and cons
Harley-Davidson is an excellent choice for Indiana riders who can take advantage of its many discounts.
Full coverage motorcycle insurance costs around $27 per month in Indiana. While that's less than the state average, it's twice as expensive as the cheapest option, Progressive.
However, Harley-Davidson offers 13 discounts to help riders lower their quotes. Some of these discounts are very easy to get. You can get a discount for having a motorcycle endorsement on your license, owning a home or making your payments on time.
Harley-Davidson is also a great option for riders who value excellent service. The company gets far fewer complaints than expected, according to the NAIC. That means you can expect Harley-Davidson to help you get back on the road quickly after an accident.
Indiana motorcycle insurance cost by city
The most expensive motorcycle insurance quotes in Indiana's larger cities are in Gary, a suburb of Chicago.
Full coverage motorcycle insurance in Gary costs $41 per month, on average. Bluffton, a small city in Northeastern Indiana, has the cheapest rates of Indiana's larger cities, at $26 per month.
City | Monthly cost | % from average |
|---|---|---|
| Anderson | $27 | -4% |
| Auburn | $27 | -5% |
| Bedford | $28 | 0% |
| Bloomington | $29 | 2% |
| Bluffton | $26 | -8% |
The cost of motorcycle insurance in Indiana varies by as much as $15 per month, depending on where you live. If you live in an area with a high crime rate or poorly maintained roads, you may pay more for insurance.
Indiana motorcycle insurance laws
Indiana requires motorcycle riders to have a minimum amount of bodily injury and property damage liability insurance. This requirement is sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000
Frequently asked questions
How much does it cost to insure a motorcycle in Indiana?
Indiana motorcycle insurance costs $28 per year for full coverage, on average. However, Indiana riders can find much cheaper rates at Progressive. A policy from Progressive costs around $12 per month.
Is motorcycle insurance required in Indiana?
Yes, Indiana riders must have a minimum of $25,000 of personal injury liability coverage per person and $50,000 per accident. You must also have $25,000 of property damage liability. This is sometimes written as 25/50/25.
What is the cheapest motorcycle insurance in Indiana?
Progressive has the cheapest motorcycle quotes in Indiana, at $12 per month, or $148 per year, for full coverage. That's only half as much as most riders in the state pay for full coverage.
Compare motorcycle insurance in Indiana vs other states
Methodology
To find the best cheap motorcycle insurance in Indiana, ValuePenguin collected more than 350 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy. It includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
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