Progressive offers the cheapest motorcycle in Kentucky overall with median rates of $11 per month or $137 per year. While this is the case, you may find better rates with other providers like Shelter Insurance, Geico, Dairyland and Harley Davidson.
Cheapest Motorcycle Insurance in Kentucky
Updated: April 21, 2025
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Key Takeaways
For most riders in Kentucky, Progressive offers the cheapest motorcycle insurance with average annual rates of $82 for minimum coverage and $192 for full coverage.
Motorcycle insurance in Kentucky costs an average of $11 per month for minimum liability coverage and $47 monthly for full coverage policies.
You can save on motorcycle insurance by comparing multiple providers, taking motorcycle safety courses, and getting a full motorcycle license.
Cheapest Motorcycle Insurance Companies in Kentucky
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Progressive | $11 | $137 |
Dairyland | $25 | $309 |
Shelter Insurance | $30 | $362 |
Geico | $31 | $377 |
Harley Davidson | $45 | $539 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Motorcycle Insurance by Category in Kentucky
While examining other key profiles, Progressive still comes out on top as the cheapest overall provider in almost all categories in Kentucky. Below you can review minimum costs for each.
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Shelter Insurance | $4 |
Full Coverage | Progressive | $16 |
Young Riders | Progressive | $14 |
Seniors | Progressive | $7 |
Riders with a Speeding Ticket | Progressive | $9 |
Riders with an At-Fault Accident | Progressive | $9 |
Riders with a DUI | Progressive | $9 |
*Minimum coverage and full coverage picks presented are for a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL. Young riders are aged 16-25 and seniors are 65-80 for the base profile mentioned. The other cost profiles modify the base profile's driving history.
How Much Is Motorcycle Insurance in Kentucky?
The average annual cost of motorcycle insurance in Kentucky is around $128 for minimum coverage and $562 for full coverage. These costs make the state the 25th in affordability for minimum coverage and in the middle at 26th overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $11 | $128 | -18% |
Full Coverage | $47 | $562 | -1% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on Kentucky Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in Kentucky.
Choose a Coverage Level Beforehand
Knowing what coverage you actually need can save you from being convinced you need a higher-level policy than necessary.
Compare Multiple Providers
In order to get the best pricing, comparing multiple providers apples to apples in terms of coverage can help you save up to 66% on motorcycle policies in Kentucky. We recommend that you not only compare multiple companies but also use multiple means.
Take Advantage of Discounts
Many discounts are available to help you save including a pay-in-full, autopay, and military/membership reduction for most providers. Bundling motorcycle insurance with other policies is also another great way to save if you want to have coverage with your current provider.
Get a Full Motorcycle License
Getting a full motorcycle license instead of just an endorsement can save you a large sum on insurance for your bike. It works as a signal to insurers that you are less risky than other drivers, lowing premiums overall.
Cheap Motorcycle Insurance Kentucky: Bottom Line
Progressive, Dairyland and Shelter Insurance consistently offer the most competitive rates for Kentucky. While these carriers represent the best value options based on our comprehensive market analysis, obtaining personalized quotes from multiple providers is strongly recommended.
Kentucky Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Kentucky motorcycle insurance:
Which company has the cheapest car insurance in Kentucky?
For full coverage Progressive offers the cheapest option in Kentucky while for minimum liability policies Shelter Insurance is the most affordable.
How much does motorcycle insurance cost for most riders in Kentucky?
The average cost of motorcycle insurance in Kentucky is 562 per year or $47 monthly for full coverage policies and $128 annually or $11 monthly for liability-only policies.
Do you need motorcycle insurance in Kentucky?
Yes, Kentucky requires that all riders have motorcycle insurance with at least 25/50/25 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Kentucky
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.