Who Has the Cheapest Motorcycle Insurance in Oklahoma?
Dairyland has the cheapest motorcycle insurance in Oklahoma, with an average of $42 per month.
Compare Motorcycle Insurance Quotes in Oklahoma
Best cheap motorcycle insurance in Oklahoma
ValuePenguin compared quotes from four top companies across 28 of the largest cities in Oklahoma to help you find the best cheap motorcycle insurance inOK.
Our experts ranked the best motorcycle insurance companies in Oklahoma 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 Oklahoma
The cheapest motorcycle insurance in Oklahoma comes from Dairyland. It costs an average of $19 per month for a full coverage policy. That's about half as much as the state average.
Compare Motorcycle Insurance Quotes in Oklahoma
The average cost of motorcycle insurance in Oklahoma is $37 per month, or $444 per year.
Cheapest motorcycle insurance companies in OK
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $19 | |
| Harley-Davidson | $25 | |
| Allstate | $33 | |
| Progressive | $35 | |
| Markel | $41 | |
Best motorcycle insurance in Oklahoma: Harley-Davidson
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Editor rating
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Monthly rate
$25 ?
Pros and cons
Harley-Davidson is the best motorcycle insurance company for most Oklahoma riders.
Full coverage motorcycle insurance from Harley-Davidson costs $25 per month, which is $12 per month less than the Oklahoma average.
Harley-Davidson also offers lots of discounts to make its motorcycle insurance even more affordable. These include discounts for insuring multiple bikes, taking a riding class, and for being in law enforcement or the military.
However, one discount you can't get at Harley-Davidson is for bundling your motorcycle insurance with your home and auto insurance, because the company doesn't sell either.
There are a number of ways for riders to customize their motorcycle insurance coverage with Harley-Davidson. The company offers replacement cost coverage for new motorcycles, as well as rental reimbursement coverage. This coverage pays for a rental while your bike is in the shop after an accident.
Oklahoma riders can count on Harley-Davidson to help them get back on the road quickly after an accident. It gets far fewer complaints than an average insurance company its size, according to the National Association of Insurance Commissioners (NAIC).
Best for bundling: Progressive
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Editor rating
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Monthly rate
$35 ?
Pros and cons
Progressive is the best insurance for motorcycle riders who want to bundle their policy with their home and auto insurance.
Besides being convenient, bundling your motorcycle insurance policy with other coverage is one of the best discounts for insurance.
Progressive's average cost of motorcycle insurance is $35 per month, or $2 less than the OK state average.
But Progressive customers can lower their rates with lots of other discounts, too.
- Being a member of certain associations
- Getting a valid motorcycle license
- Bundling multiple kinds of insurance together
- Asking for a quote more than one day before your policy starts
- Switching from another insurance company to Progressive
- Taking a safety course
- Avoiding tickets or accidents for at least three years
- Paying for your entire policy upfront
- Consistently making payments on time
- Using autopay for your bill
Progressive also stands out for the many coverages it offers customers. The company automatically includes the following endorsements with its motorcycle policies:
- Full replacement cost, which ensures you'll get enough to buy a brand-new bike if yours is totaled or stolen.
- Coverage for accessories and custom parts, with up to $3,000 included and up to $30,000 available for an extra fee
- OEM parts, which guarantees that Progressive will only do repairs with equipment made by the manufacturer
You can also add a few coverages onto your policy.
- Enhanced injury protection pays up to $250 a week for up to two years if you're hurt and can't work. And your family gets $25,000 if you're in a fatal accident.
- Carried contents pays for loss, damage or theft to any belongings you carry on your motorcycle.
- Roadside assistance and trip interruption covers the cost of a hotel, food and alternate transportation if an accident leaves you stranded away from home. You also get free towing to the nearest repair shop.
- Total loss coverage, if your motorcycle is less than two years old.
Progressive also has sterling customer service. It receives about two-thirds as many complaints as a typical insurance company its size, suggesting customers tend to be happy with their coverage, especially when filing a claim.
Best for cheap rates: Dairyland
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Editor rating
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Monthly rate
$19 ?
Pros and cons
Dairyland is the cheapest motorcycle insurance in Oklahoma, but its customer service is below average.
The average price for motorcycle insurance at Dairyland is just $19 — the cheapest in the state, and about half the statewide average price.
The company also offers a few useful discounts, such as for owning your home or participating in an organized riding group. These can bring your rates down even more.
However, Dairyland's customer service is not well-rated. It receives more than two-and–a-half as many complaints as an average insurance company, relative to its size. Customers tended to note being unhappy with claim offers and policy cancellations.
Coverage options are about average at Dairyland but do not stand out.
Dairyland coverage options
- Roadside assistance
- Coverage for special equipment
- OEM parts guarantee
- Rental reimbursement
Motorcycle insurance cost in Oklahoma by city
Ada, Altus and Altmore have the cheapest motorcycle insurance among Oklahoma's bigger cities, with an average cost of $35 per month for a full coverage policy.
Riders in Tulsa pay the highest rate in the state, at $41 per month.
The price of motorcycle insurance in Oklahoma can vary by up to $6 per month, depending on where you live. But compared to most states, the cost of motorcycle insurance in Oklahoma is very consistent statewide.
Average motorcycle insurance cost in OK by city
City | Monthly cost | % from average |
|---|---|---|
| Ada | $35 | -5% |
| Altus | $35 | -6% |
| Ardmore | $35 | -6% |
| Bartlesville | $36 | -3% |
| Bixby | $37 | 1% |
Oklahoma motorcycle insurance requirements
Oklahoma requires motorcyclists to carry insurance in order to ride. The minimum coverages you must have on an Oklahoma insurance policy are:
Coverage | Limits |
|---|---|
| Bodily injury liability coverage | $25,000 per person, $50,000 per accident |
| Property damage liability insurance | $25,000 per accident |
You should get higher coverage than the state minimum if you can. Collision and comprehensive coverage protect your motorcycle in an accident. Increasing your liability limits will help you better manage costs resulting from an accident where you're at fault.
Technically, instead of getting motorcycle insurance, Oklahoma motorcycle riders can deposit $75,000 to the state Department of Public Safety or get a surety bond. But doing so means you'll have to pay for any damages you're responsible for after a crash.
Frequently asked questions
How much is motorcycle insurance in OK?
The average cost of motorcycle insurance is $37 per month in Oklahoma. That's 38% more expensive than the national average, which is $33 per month.
What is the minimum insurance for a motorcycle in Oklahoma?
Oklahoma requires motorcycle riders to have a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident, along with $25,000 of property damage liability.
Who has the best motorcycle insurance in Oklahoma?
Harley-Davidson has the best motorcycle insurance for most riders in Oklahoma. Its full coverage policy costs $25 per month, which is 33% cheaper than average. Harley-Davidson also has dependable customer service and plenty of ways to upgrade your coverage if you need extra protection.
How much is motorcycle insurance in Oklahoma City?
The average cost of motorcycle insurance in Oklahoma City is $40 per month for a full coverage policy. That's 9% more expensive than the Oklahoma state average.
Compare motorcycle insurance in Oklahoma vs other states
Methodology
To find the best cheap motorcycle insurance in Oklahoma, ValuePenguin collected more than 150 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
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