Motorcycle Insurance in Idaho: The Cheapest Quotes and Best Companies

Typically, the minimum liability coverage policy is the cheapest in Idaho for motorcycle riders. While you may pay less for this policy, it may not be the best option since it only covers bodily injury and property damage costs. Although the minimum liability policy is the most affordable option for motorcycle insurance in Idaho, it has lower limits and provides much less protection than comprehensive and collision coverage.

MoneyGeek used a sample rider with a 50/100/25 liability-only motorcycle insurance coverage and a good riding history to determine the costs for this study.

According to MoneyGeek’s research, the cheapest companies for motorcycle insurance in Idaho are:

• Markel: $62 per year
• Progressive: $75 per year

Markel’s motorcycle insurance policy costs 66.1% less than what the most expensive company, Nationwide, charges on average per year. If you purchase your policy from Nationwide, you will pay around $183 per year.

Average Annual Premium for Liability Coverage

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Company

Annual Premium

1.

Markel

$62

2.

Progressive

$75

3.

GEICO

$108

4.

Harley-Davidson

$122

5.

Dairyland

$148

6.

Nationwide

$183

Show more

Riders wishing to get more protection for their motorcycle in Idaho may need to purchase a full coverage policy with comprehensive and collision insurance. A full-coverage policy not only protects you from a collision with other vehicles and structures but also covers the damage or loss of your bike as a result of non-collision occurrences, like theft, fire or vandalism.

If you are still making payments for your motorbike, you may wish to consider getting full coverage instead of liability-only insurance in Idaho. Based on the MoneyGeek study, the lowest motorcycle insurance rates in Idaho for a good rider with a full coverage policy that offers a 50/100/25 limit and a deductible of $500 come from:

• Dairyland: $233 per year
• Harley-Davidson: $248 per year

Nationwide is the most expensive insurer for a full coverage policy in the state, at an average of $730 per year. That is around 68.1% more than what Dairyland charges.

Average Annual Premium for Comprehensive and Collision

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Company

Annual Premium

1.

Dairyland

$233

2.

Harley-Davidson

$248

3.

Progressive

$262

4.

Markel

$300

5.

GEICO

$340

6.

Nationwide

$730

Show more

Insurance companies in Idaho consider several factors while determining their average costs. These include your riding record, the bike’s make and model, level of coverage, age and years of riding experience. MoneyGeek compared quotes for various rider profiles to determine the average cost of motorcycle insurance in Idaho.

On average, a full coverage motorcycle insurance policy in the state costs $352 annually, which is about $29 per month. This cost is less than the national average by $11 per year.

For liability-only coverage, the average cost of motorcycle insurance in Idaho is $116 per year or approximately $10 per month. That is $25 less than the annual national average. While the liability-only coverage is cheaper, it covers neither your bike nor your injuries in the event of an accident.

The costs used in this analysis represent average rates for a policy that has bodily injury liability coverage of $50,000/$100,000, property damage liability coverage of $25,000, a deductible of $500 and minimum uninsured motorist coverage.

Car Insurance Costs by Coverage Type

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Policy Type

Average 12-Month Cost in Idaho

Average 12-Month National Cost

Variance

Full Coverage

$352

$364

-$11

Liability Only

$116

$141

-$25

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MoneyGeek analyzed the best motorcycle insurance in Idaho by comparing the costs across various coverage amounts from different providers. The scores depend on data that is unique to motorcycle insurance policies in the state. Companies rank according to financial stability scores from AM Best, policy prices and product offerings.

Based on MoneyGeek’s research, Progressive is the best motorcycle insurance provider in Idaho.

Expand All Rankings +

1

Progressive

Score:95

-

COMPARE QUOTES

by MoneyGeek

4.8/5

Affordability

4.7/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take

Pros

• Get free quotes online, via phone or through agents
• Licensed reps across each state
• Covers personal belongings carried on your motorbike during an accident

Cons

• Discounts not available in all states
• Accident forgiveness is only for motorists with at least four accident-free years
• Total loss coverage only available for new motorcycles

More About Progressive

Progressive has a score of 95.01 out of 100, which is the highest in Idaho for motorcycle insurance. The average cost of a liability-only policy from Progressive is $75 per year. A full-coverage policy, on the other hand, costs $262 on average.

Progressive offers several exclusive additional coverage options. For instance, you can get coverage for your bike’s accessories and custom parts by buying an extra $3,000 in coverage on your comprehensive and collision insurance policy. If the amount is not enough, you can purchase additional coverage, up to a maximum of $30,000.

The company also offers accident forgiveness for motorists whose claim cost is less than $500, and those who ride accident-free for at least four years benefit from low rates. Other coverage options include total loss coverage for new bikers and roadside assistance and trip interruption coverage that pays for food, accommodation and transportation expenses up to $500 per accident. For each claim-free policy term, Progressive deducts 25% from your deductible cost. If you are unable to work due to an injury, the company pays you a maximum of $250 per week for two years. For fatal accidents, your beneficiaries receive $25,000.

2

Harley-Davidson

Score:93

-

COMPARE QUOTES

by MoneyGeek

4.5/5

Affordability

5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take

Pros

• Exceptional customer service
• Online quote and claims filing tool
• Generous discount options

Cons

• No mobile app
• Cannot be used to insure certain types of bikes
• Relatively low liability score

More About Harley-Davidson

Harley-Davidson is the second-best motorcycle insurance provider in Idaho, with a MoneyGeek score of 92.65 out of 100. The company’s liability-only policy costs an average of $122 per year, while the full coverage policy costs $248 per year.

Harley-Davidson offers a wide array of coverage options for most motorcycle types. The company provides various discount options, including the multiple bike discount and homeowners discount. There are several roadside assistance packages to choose from, and you also get coverage from theft and vandalism.

3

Markel

Score:92

+

COMPARE QUOTES

by MoneyGeek

4.9/5

Affordability

4.3/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take

Pros

• Online quote, claim filing and payment tools
• Numerous discount options available
• 24-hour claims support

Cons

• Available in most but not all states
• Safe driver discount only available for three years of accident-free riding
• No discounts for bundling with other types of insurance

More About Markel

Markel has a MoneyGeek score of 92.38 out of 100. A liability-only policy from the insurer costs an average of $62 per year, while a full-coverage policy costs $300 per year.

Policyholders can save up to 35% off their premium through Markel’s numerous discounts. Motorists who complete a safety course, install an alarm on their motorbike or include several motorcycles on their insurance package always pay lower premiums.

Markel offers several additional coverage options aside from standard coverage. These include mechanical breakdown coverage that covers the cost of specific components in case of a mechanical breakdown. In addition, they offer rental reimbursement coverage that pays for the expense of renting a vehicle when your motorbike breaks down for more than 24 hours. Motorists also get nationwide 24-hour roadside assistance for around $25 per year.

Several factors contribute to motorcycle insurance rates in Idaho. If you wish to find the best coverage for your needs, you may need to shop around and compare quotes across various insurers.

The majority of insurance companies in Idaho allow riders to request a quote online. The information you will need to provide includes:

• Your date of birth
• ZIP code and address where you park the motorcycle
• Year of manufacture, model and make of your bike
• Riding history and level of experience
• Insurance coverage elections (see more about this below)

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It is mandatory for all bikers in Idaho to purchase motorcycle insurance that meets the minimum liability coverage requirements of the state. Idaho’s minimum requirements include:

• $25,000 per person bodily injury liability
• $50,000 per accident bodily injury liability
• $15,000 property damage liability

Bikers in Idaho are required to get policies with a minimum liability-only coverage of 25/50/15. This implies that your coverage should have at least $25,000 in bodily injury coverage per person, with a total of $50,000 per accident and a property damage liability limit of $15,000. These limits represent what your insurer will pay in case you get involved in an at-fault accident.

Idaho requires bikers to have uninsured motorist coverage in their bodily injury liability policies. Meanwhile, there is no statutory requirement for property damage caused by uninsured motorists, and you may need to ask your agent if your policy includes uninsured motorist property damage.

MONEYGEEK EXPERT TIP

Based on MoneyGeek’s analysis, you should pursue a full coverage motorist insurance policy of at least 50/100/25 (or, more ideally, 100/300/100) due to the small cost difference between these coverages.

Several factors contribute to the cost of motorcycle insurance in Idaho. Some of the common questions asked about motorcycle insurance in the state include:

Compare Motorcycle Insurance Rates

Ensure you're getting the best rate for your motorcycle insurance. Compare quotes from the top insurance companies.

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About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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