The Best Cheap Motorcycle Insurance in Kentucky
Dairyland has the best cheap motorcycle insurance in Kentucky, at $22 per month for full coverage.
Harley-Davidson is only slightly more expensive than Dairyland. In addition to its low rates, Harley-Davidson has much better customer service, numerous discounts and customizable policies.
Compare Motorcycle Insurance Quotes in Kentucky
Best cheap KY motorcycle insurance
ValuePenguin compared quotes from seven top companies across 30 of the largest cities in Kentucky to help you find the best cheap motorcycle insurance in KY.
Our experts ranked the best motorcycle insurance companies in Kentucky 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.
The cheapest motorcycle insurance companies in Kentucky
Dairyland has the cheapest motorcycle insurance in Kentucky with an average cost of $22 per month. This is 68% cheaper than the KY state average of $69 per month.
Compare Motorcycle Insurance Quotes in Kentucky
Kentucky has the most expensive average motorcycle insurance in the U.S.
Cheapest motorcycle insurance companies in Kentucky
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $22 | |
| Harley-Davidson | $29 | |
| Geico | $45 | |
| Markel | $59 | |
| Progressive | $69 | |
Best motorcycle insurance for most people: Harley-Davidson
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Editor rating
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Monthly rate
$29 ?
Pros and cons
Harley-Davidson offers the best motorcycle insurance for most Kentucky riders.
Harley-Davidson has the second cheapest motorcycle insurance rates in Kentucky. It costs $29 per month on average. The company's rates are 57% cheaper than the Kentucky state average.
In addition to its cheap rates, Harley-Davidson has a low rate of customer complaints according to the National Association of Insurance Commissioners (NAIC). That's a good sign Harley customers are relatively happy with their coverage.
Harley-Davidson discounts
Harley-Davidson has a range of discounts that can lower your monthly rate even further.
- New bike
- Harley Owners Group (H.O.G.) member
- Motorcycle endorsement
- Experienced rider
- H-D Riding Academy course completion
- Homeowners
- Pay on time
- Accident-free renewal
- Bundled protection
- Loyalty (renewal)
- Multicycle
- Anti-theft device
- Military/law enforcement
A major drawback to Harley-Davidson is its lack of an auto-motorcycle bundling discount. You might get a better deal by bundling your coverage if you already have an auto insurance policy through another company.
Best for cheap coverage: Dairyland
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Editor rating
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Monthly rate
$22 ?
Pros and cons
Dairyland has the cheapest motorcycle insurance in Kentucky. It's 68% cheaper than the state average. You can lower your monthly bill even more by taking advantage of Dairyland's many discounts.
- Loyalty discount
- Multicycle discount
- Homeowners discount
- New customer transfer discount
- Motorcycle rider course discount
- Motorcycle group insurance discount
- Harley Owners Group (H.O.G.) membership discount
Dairyland offers extra coverage benefits such as expanded parts coverage for special equipment. That sets it apart from other major motorcycle insurance companies. In addition, Dairyland will reimburse the cost of renting a vehicle while your motorcycle is in the shop.
Poor customer service is a major drawback to Dairyland. The company gets more than five times as many complaints as an average insurance company its size. This means you might have more stress and hassle when filing a claim.
Dairyland also sells car insurance. However, you may be better off with a different company because Dairyland doesn't offer the cheapest auto coverage.
Best for customizable coverage: Progressive
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Editor rating
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Monthly rate
$69 ?
Pros and cons
Progressive offers more coverage options than many KY motorcycle insurance companies.
Progressive coverage options
- Full replacement cost coverage: This will pay for the full cost to replace your motorcycle without taking depreciation into account. Up to two years for renewals and up to one year for a new policy.
- Expanded parts coverage: This coverage pays for parts that wouldn't be included under a normal policy. This includes accessories, custom parts and original equipment manufacturer (OEM) parts.
- Carried contents: Will replace lost or broken personal items, such as a cell phone or camping equipment.
- Full replacement cost: Will pay for the full cost of replacing your bike or broken parts without factoring in depreciation.
- Disappearing deductible: Your deductible will lower by 25% every year that you're accident-free.
- Enhanced injury coverage: You get up to $250 per week for two straight years plus a $25,000 death benefit when injured or killed during a motorcycle accident.
- Small and large accident forgiveness: Prevents your insurance rates from rising after a single accident.
- Roadside assistance
Progressive discounts
You can lower the cost of your Progressive policy by qualifying for one or more discounts. Progressive offers 10 discounts. These include multi-policy, safety endorsement, automatic payments and H.O.G. or USAA member discounts.
Keep in mind that Progressive's wide range of coverage options comes at a cost. An average Progressive policy costs $69 per month which is more than triple the cost of a Dairyland plan.
Progressive gets 18% fewer customer complaints compared to an average insurance company of the same size.
This means that Progressive offers strong customer service.
Kentucky motorcycle insurance: Costs by city
Somerset and Lexington have the cheapest motorcycle insurance among Kentucky's largest cities, with an average cost of $58 per month for a full coverage policy.
Riders in Danville pay the highest rate in the state, at $66 per month.
The cost of motorcycle insurance in Kentucky varies by up to $8 per month depending on where you live. That's not a wide gap, which means where you live might not be a big factor in the rates you pay.
Areas with higher rates typically have more thefts, bad weather or accidents.
Average motorcycle insurance cost in KY by city
City | Monthly cost | % from average |
|---|---|---|
Ashland | $60 | -13% |
Bardstown | $62 | -9% |
Bowling Green | $60 | -12% |
Campbellsville | $59 | -14% |
Corbin | $61 | -11% |
Kentucky motorcycle insurance requirements
Kentucky requires a minimum level of motorcycle insurance coverage for all riders.
Kentucky's minimum motorcycle coverage levels include bodily and property damage liability, often written as 25/50/25. This pays for damage that you cause to other people and vehicles.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
It's a good idea to get more coverage than the minimum state requirements. That's because you're responsible for any costs beyond what your insurance covers. An expensive accident could result in bankruptcy if your insurance limits aren't set high enough.
Aside from upping your motorcycle coverage limits, it's usually a good idea to get comprehensive and collision coverage to fix or replace your motorcycle if it's damaged or destroyed. You should also consider uninsured/underinsured motorist coverage. According to one study, nearly 16% of all Kentucky drivers carry no insurance.
Motorcycle license requirements in Kentucky
To operate a motorcycle in Kentucky, you need to have a driver's license with a motorcycle endorsement, a motorcycle license or a motorcycle instruction permit. You must pass both a written test and a skills test to get a motorcycle license or motorcycle endorsement in Kentucky.
A motorcycle license or endorsement also qualifies you to drive a moped in KY.
Kentucky recognizes motorcycle licenses from other states and military installations. If you're a member of the military, you can complete a basic rider course on base. You will have to email proof of completion to [email protected].
Frequently asked questions
Who has the best motorcycle insurance in Kentucky?
Harley-Davidson has the best motorcycle insurance for most riders in Kentucky. Its full coverage policy costs $29 per month, which is 57% cheaper than the statewide average.
Harley-Davidson has good customer service and it offers many extra coverage options.
How much is motorcycle insurance in Kentucky?
The average cost of motorcycle insurance in Kentucky is $69 per month for a full coverage policy. Kentucky has the most expensive motorcycle insurance rates of any state.
Do you need insurance for a motorcycle in KY?
If you own a motorcycle in Kentucky, you must have $25,000 of bodily injury coverage per person, $50,000 of coverage per accident and $25,000 of property damage liability. This is sometimes written as 25/50/25 coverage.
Compare motorcycle insurance in Kentucky vs other states
Methodology
To find the best cheap motorcycle insurance in Kentucky, ValuePenguin collected more than 200 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, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
The best companies in KY were chosen based on their monthly rates, coverage options and customer service.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.