The Best Cheap Motorcycle Insurance in Pennsylvania
The best cheap motorcycle insurance company in Pennsylvania is Harley-Davidson, which charges $16 per month for a policy.
Compare Motorcycle Insurance Quotes in Pennsylvania
Pennsylvania requires riders to have motorcycle insurance, but you don't have to spend a lot to find the right policy for you.
Best motorcycle insurance in Pennsylvania
To help you find the best cheap motorcycle insurance in Pennsylvania, ValuePenguin compared quotes from seven top companies across 50 of the largest cities in Pennsylvania.
We ranked the best motorcycle insurance companies in Pennsylvania 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. See the full methodology.
Cheapest motorcycle insurance in Pennsylvania
In Pennsylvania, the cheapest motorcycle insurance comes from Harley-Davidson, Progressive and Dairyland, which all offer coverage for $16 per month. That's about half the average price in the state overall.
The average price of motorcycle insurance in Pennsylvania is $31 per month, or $376 per year.
The cost of motorcycle insurance in Pennsylvania is slightly less expensive than in other parts of the country.The typical cost of coverage in the U.S. is $33.
Compare Motorcycle Insurance Quotes in Pennsylvania
Nationwide is the most expensive option for motorcycle insurance in Pennsylvania. Its rates are more than four times as expensive as our top picks.
Cheapest motorcycle insurance companies in Pennsylvania
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson | $16 | |
| Progressive | $16 | |
| Dairyland | $16 | |
| Allstate | $32 | |
| Geico | $32 | |
Best motorcycle insurance for most people: Progressive
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Editor rating
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Monthly rate
$16 ?
Pros and cons
Progressive is the best motorcycle insurance for most people in Pennsylvania. Its rates are among the best in the state, and the company offers a great selection of coverage options and other discounts. Its service is also highly rated by customers.
The average price of motorcycle insurance from Progressive is $16 per year, which is about half the typical cost statewide.
A standard policy from Progressive comes with replacement cost protection and $3,000 of parts coverage — more than most companies. You can also upgrade your coverage with the company's many endorsements:
- Roadside assistance
- An additional $27,000 of accessories or custom parts coverage
- Original equipment manufacturer protection
- Total loss coverage (up to two years)
- Carried contents protection
The only glaring omission from Progressive's list of coverage choices is rental reimbursement coverage. If you depend on your bike to commute and don't have alternative transportation, this coverage pays for a rental or other transportation while your motorcycle is being repaired.
Progressive policyholders tend to be happy with their claims service. The company receives about half as many complaints as a typical insurer, according to the Complaint Index maintained by the National Association of Insurance Commissioners (NAIC).
Best for touring: Harley-Davidson
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Editor rating
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Monthly rate
$28 ?
Pros and cons
Harley-Davidson is the best option for dedicated riders in Pennsylvania who use their bikes as their main vehicle or for road trips. It offers extra coverages like rental reimbursement and trip interruption that can keep you safe and on the road during a tour.
The prices at Harley-Davidson are the cheapest available to most people, too.
Its typical rate is just under $16 per month. That's less than half the state average.
Customers of Harley-Davidson insurance tend to be very satisfied with their service and rarely file complaints with regulators.
One downside to Harley-Davidson insurance is that it doesn't offer other kinds of insurance, like auto or homeowners. That means you may miss out on a bundle discount, and you'll have to manage your motorcycle policy separately from other insurance policies you carry.
Best for military families: USAA
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Editor rating
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Monthly rate
$15 ?
Pros and cons
For military members, veterans and their family members who qualify, USAA offers an extra discount on top of Progressive's prices.
USAA doesn't offer its own motorcycle insurance. Instead, USAA members get a 5% discount on the price they would pay at Progressive — resulting in an average rate of around $15 per month. That's even cheaper than Harley-Davidson, the cheapest insurer for most people in Pennsylvania.
USAA and Progressive are both very well-rated insurance companies, with customers who tend to be satisfied with their service. A motorcycle insurance policy from USAA and Progressive has lots of other discounts and coverage options available, too.
What are Pennsylvania's motorcycle insurance laws?
Anyone who operates a motorcycle or car in Pennsylvania must carry insurance. The state requires you to carry bodily injury and property protection, with limits often written as 15/30/5. Motorcycle insurance always covers the damage that you cause to someone else. Other coverages, which pay for your own injuries and damaged property, are optional.
Required motorcycle insurance coverage in Pennsylvania
Coverage type | Required minimum insurance |
|---|---|
| Bodily injury liability | $15,000 per person; $30,000 per accident |
| Property damage liability | $5,000 per accident |
While it's important to meet your state's minimum requirements, you should also have enough coverage to protect yourself in the event of a loss.
In addition to its motorcycle insurance laws, Pennsylvania also requires newer riders to wear a helmet. All riders under 21 years old are required to wear a motorcycle helmet. After you turn 21, helmets are optional for riders with two years of experience, and anyone who has taken a certified motorcycle safety course. Motorcycle passengers under 21 must also wear a helmet.
Motorcycle insurance rates by city
Philadelphia is the most expensive major city in Pennsylvania for motorcycle insurance, where coverage costs $66 per month.
That's more than double the price in New Castle, where the typical rate is just $28 per month.
The price of motorcycle insurance varies based on where you live. You might pay more for coverage if you live in an area with a lot of inclement weather that's hazardous for riding, or in an area with high rates of vehicle theft.
City | Monthly rate | % from average |
|---|---|---|
| Altoona | $29 | -6% |
| Beaver | $29 | -7% |
| Butler | $28 | -11% |
| Carlisle | $30 | -5% |
| Carnegie | $32 | 3% |
Compare motorcycle insurance in Pennsylvania vs other states
Methodology
To find the best cheap motorcycle insurance in Pennsylvania, ValuePenguin collected 350 quotes from 50 cities 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 coverages.
- 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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