Compare Motorcycle Insurance Quotes
Dairyland has the cheapest average cost of motorcycle insurance, at around $22 per month or $260 per year.
Find Cheap Motorcycle Insurance Quotes in Your Area
Motorcycle insurance quotes can vary by more than $400 per year, on average, from one company to the next. That's why comparing motorcycle insurance quotes from multiple companies is an important part of shopping for insurance.
Why should you compare motorcycle insurance quotes?
Comparing motorcycle insurance quotes can save you a lot of money.
Full coverage rates can vary by up to $33 per month from one company to the next.
Find Cheap Motorcycle Insurance Quotes in Your Area
For example, a full coverage policy from the cheapest company, Dairyland, costs around $22 per month. The most expensive company, Nationwide, charges $55 per month for the same coverage.
Compare motorcycle insurance quotes by company
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $22 | |
| Progressive | $23 | |
| Harley-Davidson | $24 | |
| Geico | $36 | |
| Allstate | $37 | |
Compare insurance quotes for motorcycles by state
Where you live also affects how much you pay for motorcycle insurance.
The cheapest company nationally won't always be the most affordable option in your area.
For example, Dairyland has the cheapest overall rates in the country. But it's only the most affordable company in 18 states. Progressive has the lowest rates in 23 states, and Harley-Davidson is the cheapest option in nine states.
Best motorcycle insurance rates by state
State | Cheapest company | Monthly rate |
|---|---|---|
| Alabama | Progressive | $22 |
| Alaska | Progressive | $19 |
| Arizona | Progressive | $22 |
| Arkansas | Dairyland | $17 |
| California | Harley-Davidson | $42 |
How to compare motorcycle insurance quotes
You need to take three main steps when shopping for motorcycle insurance quotes.
What kind of motorcycle insurance coverage do you need?
Before comparing motorcycle insurance quotes, you must decide on the type and amount of coverage you need. This can have a big impact on your motorcycle insurance rates.
Make sure that all of your quotes have the same coverage to make an apples-to-apples comparison.
Basic motorcycle insurance coverage
The most basic motorcycle insurance policies include bodily injury and property damage liability coverage. Unless you live in Florida, you must have liability coverage for your motorcycle.
Some states also require:
- Personal injury protection (PIP)
- Medical payments coverage
- Uninsured or underinsured motorist coverage
Most people should choose higher limits than required by their state. State minimum coverage typically isn't high enough to cover your costs if you cause a major accident.
It doesn't cost much to choose higher liability limits. You should get as much liability coverage as you can afford. That way you won't have a big bill if you cause a wreck.
Extra motorcycle insurance coverage
Many riders choose to add extra protection to their policy in addition to basic liability coverage. Coverage options vary by company. Some of the most common options are:
Comprehensive and collision
Comprehensive and collision coverage pays to repair your bike if it's damaged, regardless of whose fault an accident is.
You should get comprehensive and collision coverage if your motorcycle is worth more than $5,000.
Roadside assistance
Roadside assistance pays for towing services, a tire change, fuel delivery and other emergency services if your bike breaks down on the side of the road.
Rental reimbursement
Rental reimbursement pays for a rental vehicle while your bike is in the repair shop after an accident.
Accessory coverage
Motorcycle accessory coverage pays to repair or replace custom accessories such as fairings, windshields and luggage racks.
Replacement cost
Replacement cost coverage will fix your bike using brand-new parts, regardless of wear and tear.
This coverage can also replace your bike with a new model if it's totaled in an accident. Most companies only offer new bike replacements for 1- or 2-year-old motorcycles.
Collect info about you and your bike
Next, you'll need to collect some info about you and your bike. Having this handy will make the quote process faster. It will also ensure that your quotes are accurate.
Personal info
Vehicle info
Other info
You must share your personal info with the insurance company to get a motorcycle insurance quote. Most companies will also ask for the same info about anyone who lives with you. Some of this can also help you qualify for discounts, like your education level.
- Full name
- Birth date
- Address
- Phone number
- Social Security number
- Employment status and job
- Education level
- Professional memberships, like an alumni or motorcycle association
- The number of years you've had a motorcycle license
Personal info
You must share your personal info with the insurance company to get a motorcycle insurance quote. Most companies will also ask for the same info about anyone who lives with you. Some of this can also help you qualify for discounts, like your education level.
- Full name
- Birth date
- Address
- Phone number
- Social Security number
- Employment status and job
- Education level
- Professional memberships, like an alumni or motorcycle association
- The number of years you've had a motorcycle license
Vehicle info
The insurance company will also ask about your motorcycle, including:
- Your motorcycle's VIN (or its exact make, model and model year)
- Whether you use your bike to commute, for pleasure or for business
- The number of miles you ride per year
- Safety features, like anti-lock brakes
- Anti-theft features, like an alarm or LoJack
- Value of any aftermarket parts, like a custom saddle
- Value of any motorcycle accessories, like your helmet
Other info
Insurance companies will also ask about your current motorcycle insurance and your driving history. You should be ready with:
- Your current motorcycle insurance company and policy limits
- Date and details for any traffic tickets
- Date and details for any accidents you've been in
- Date you completed an accident prevention or motorcycle safety course, if you've taken one
Compare motorcycle insurance online quotes
Most major motorcycle insurance companies allow riders to compare quotes online. Other companies may require you to speak to an agent to get a quote.
Getting motorcycle insurance quotes online is a great way to quickly compare rates from several companies.
Find Cheap Motorcycle Insurance Quotes in Your Area
Compare quotes from these motorcycle insurance companies
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Pros and cons
Harley-Davidson offers an outstanding balance of affordable quotes, useful coverage add-ons and dependable customer service.
On average, full coverage motorcycle insurance from Harley-Davidson costs $24 per month. That's 29% cheaper than the national average.
Harley-Davidson has plenty of coverage upgrades. For example, it offers roadside assistance and rental reimbursement, which are both helpful for daily riders.
Riders can also count on Harley-Davidson to get them back on the road quickly after an accident. The company had no customer complaints in 2022, according to the National Association of Insurance Commissioners (NAIC). That probably means riders are happy with the service they receive from Harley-Davidson.
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Pros and cons
Progressive's range of discounts and coverage options make it an excellent choice for most riders.
A standard full coverage policy from Progressive includes replacement cost coverage, original equipment manufacturer (OEM) parts coverage and $3,000 of custom parts protection. Most insurance companies charge extra for these upgrades.
Progressive typically offers affordable rates. A full coverage motorcycle insurance policy from Progressive costs around $23 per month, which is 32% cheaper than average.
It also has a fast online quote tool. Getting a quote on the Progressive website typically takes about five minutes.
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Pros and cons
Allstate is a good option for riders who prefer to get a quote in person.
Allstate is known for its network of local agents across the country. That makes it an excellent choice for people who prefer to have a personal relationship with their insurance agent. In addition, the company has an intuitive online quote tool that makes it easy to compare rates quickly.
Allstate's rates are around $37 per month for full coverage motorcycle insurance, which is 10% more expensive than average. But the company offers many ways for riders to save on their insurance bill. There's a bundling discount, a discount for switching to Allstate and a discount for signing up for your new policy before the old one expires.
Allstate is one of the few companies that offers gap insurance for motorcycles. This coverage is helpful for riders with a loan or lease on their bike. It pays the difference between the value of your motorcycle and the amount you owe on your loan if your bike is totaled in an accident.
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Pros and cons
Dairyland has the cheapest motorcycle insurance overall, at $22 per month for full coverage.
That's 36% cheaper than the national average.
Dairyland has a variety of coverage options available. Riders can get replacement cost coverage for bikes 3 years old or newer. In comparison, most companies only offer this coverage for motorcycles that are 1 or 2 years old. Riders can also get protection for their bike's custom parts, roadside assistance and rental car reimbursement.
However, Dairyland gets more complaints than other insurance companies of a similar size, according to the NAIC. Customers typically complain about its long claims process. It could take a while to get your bike repaired after an accident.
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Pros and cons
Markel is an excellent choice for motorcycle enthusiasts because it can cover more types of motorcycles than other companies.
It also provides great discounts, including up to 10% off for switching to Markel.
However, Markel's rates are typically very expensive. Full coverage from Markel costs around $40 per month, which is 17% higher than average. And customers generally aren't very happy with the service they get from Markel. It gets four times as many complaints as other similar-sized companies, according to the NAIC.
You can compare quotes on Markel's website. But if you're trying to get a quote for a custom motorcycle, you'll have to speak to an agent.
Choose the best motorcycle insurance for you
Once you have quotes from a few companies, you'll need to decide which policy is the best for you.
While finding the cheapest rate is important, you should also consider a company's customer service reputation.
A company with excellent customer service will help get you back on the road quickly after an accident. That could be worth paying a few extra dollars per month, especially if your motorcycle is your primary vehicle.
Best-rated motorcycle insurance companies
Company |
Editor's rating
|
|---|---|
| Harley-Davidson | |
| Progressive | |
| Dairyland | |
| Allstate | |
| Nationwide |
What causes motorcycle insurance rates to increase?
Motorcycle insurance companies consider various factors when determining your rate — including your age, your driving history and the type of motorcycle you ride.
Each insurance company calculates rates differently. The cheapest motorcycle insurance for a friend or family member might not be your best choice.
You may pay more for motorcycle insurance if:
- You recently caused an accident
- You have tickets on your record
- You own a bike that thieves target
- Your bike has a high crash rate
These things affect your rates because an insurance company will think you're more likely to make a claim in the future.
For example, a rider with a speeding ticket can expect to pay 30% more for motorcycle insurance than one with a clean driving record.
Find Cheap Motorcycle Insurance Near You
Compare motorcycle insurance for mopeds and scooters
Comparing scooter and moped insurance quotes involves the same process as comparing motorcycle quotes. The only difference is that some states have different requirements for these vehicles.
Before you start comparing policies, check your state's moped and scooter insurance requirements to see if coverage is required.
Even if you aren't legally required to buy insurance, you should get liability coverage. This will pay for any damages that result from an accident you cause.
Frequently asked questions
What is the best insurance for motorcycles?
The best motorcycle insurance policy offers the right amount of protection at an affordable rate. Harley-Davidson has the best policies for daily riders. In contrast, Progressive offers the best coverage for custom bikes.
Who has the best rate for motorcycle insurance?
Overall, Dairyland has the cheapest motorcycle insurance rates. But the cheapest company in your state or city may be different. That's because the cheapest motorcycle insurance company depends on where you live, your age and your driving history.
Should I get full coverage on my motorcycle?
Full coverage motorcycle insurance makes sense if you have a new or expensive bike. And you're usually required to have full coverage if you have a loan or lease on your motorcycle.
But it may be less important if you're on a budget or you ride a starter bike. Consider how the cost of adding comprehensive and collision coverage compares to repairing or replacing your bike after an accident.
Methodology
ValuePenguin collected thousands of quotes across all 50 states to find the average cost of motorcycle insurance. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, including higher liability limits than the state requirement and 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 coverage or personal injury protection: $5,000
- Comprehensive and collision deductible: $500
To find the rate change after a ticket, we compared quotes for a 35-year-old man living in Dallas who has been riding for 10 years. He has a speeding ticket for 11 miles per hour over the posted limit within the last three months.
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.