Based on our analysis, we found that Progressive is the cheapest overall motorcycle insurer in North Carolina with median rates of $16 per month and $195 annually. While this is the case, you may find lower rates with Dairyland, Geico and Harley Davidson.
Cheapest Motorcycle Insurance in North Carolina
Updated: April 29, 2025
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Key Takeaways
The cheapest motorcycle insurance company in North Carolina is Progressive who has average annual rates of $96 for minimum coverage and $295 for full coverage.
On average monthly, you can expect motorcycle insurance in North Carolina to cost around $8 for minimum coverage and $30 for full coverage.
Compare multiple providers, get an insurance license and take advantage of all discounts available to save on North Carolina motorcycle insurance.
Cheapest Motorcycle Insurance Companies in North Carolina
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Progressive | $16 | $195 |
Dairyland | $16 | $197 |
Harley Davidson | $19 | $223 |
Geico | $24 | $282 |
*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 North Carolina
One size doesn't always fit all for affordability, so we've broken down the cheapest providers and rates for common categories of riders in North Carolina.
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Dairyland | $7 |
Full Coverage | Progressive | $25 |
Progressive | $16 | |
Seniors | Progressive | $8 |
Riders with a Speeding Ticket | Progressive | $10 |
Riders with an At-Fault Accident | Progressive | $10 |
Riders with a DUI | Progressive | $10 |
*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 North Carolina?
In North Carolina, motorcycle insurance on average monthly costs $8 for minimum liability coverage and $30 for full coverage. In terms of nationwide affordability, the state ranks 5th for minimum coverage and 15th for full coverage.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $8 | $93 | -40% |
Full Coverage | $30 | $356 | -38% |
*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 North Carolina Motorcycle Insurance
Below we'll detail key tips to help you save and get the best motorcycle insurance in North Carolina.
Decide on Coverage Before Buying
Deciding a coverage level before buying makes comparison shopping easier and gives you protection when speaking to captive agents who are trying to up-sell you. Consider you driving habits, location and even how you store your bike to help you determine how much motorcycle insurance you need.
Compare Multiple Providers
Comparing multiple provider quotes apples to apples through multiple methods ensures you get a comprehensive view of what pricing is out there for you. Through our research, we found that comparison shopping could save up to 17% on average in North Carolina.
Take Advantage of Discounts
The easiest to achieve and often largest savings opportunities are through paying in full and bundling with other policies. Other common discounts include membership affiliations, safety gear/device, and for switching providers.
Get a Motorcycle License
While it can be a hassle, having a valid motorcycle license rather than just an a endorsement can save you up to 8% on bike policies.
Cheap Motorcycle Insurance North Carolina: Bottom Line
If you're looking for the best and most affordable motorcycle insurance in North Carolina, we recommend looking to Progressive, Dairyland and Harley Davidson for coverage. On your comparison journey, we recommend that you decide on coverage levels beforehand, take advantage of discounts and to get an official motorcycle license to save the most.
North Carolina Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about North Carolina motorcycle insurance:
Who has the cheapest motorcycle insurance in North Carolina?
Both Dairyland and Progressive are the cheapest motorcycle insurers in North Carolina. Progressive offers the lowest cost full coverage at $25 per month while Shelter offers the most affordable minimum policies at $7 monthly.
How much does motorcycle insurance cost in North Carolina?
North Carolina motorcycle insurance costs are around $8 per month or $93 annually for minimum coverage and $30 monthly or $356 per year for full coverage.
What motorcycle insurance is required in North Carolina?
North Carolina motorcycle insurance requirements are as follows:
- 50/100/50 liability coverage
- 50/100/50 UM/UIM liability coverage
How We Chose The Cheapest Motorcycle Insurance in North Carolina
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.