Pennsylvania motorcycle insurance laws and requirements state that all riders should have insurance to keep themselves protected on the road. For riders who want to get motorcycle insurance, MoneyGeek took a look at the companies offering the best and cheapest motorcycle insurance in Pennsylvania with all the necessary coverages to keep you safe on the road. Take a look at the available carriers and policies that can help meet your needs at your price points for motorcycle insurance in Pennsylvania.
Motorcycle Insurance in Pennsylvania: The Cheapest Quotes and Best Companies
The Cheapest Motorcycle Insurance in Pennsylvania
While finding the cheapest motorcycle insurance in Pennsylvania may be ideal for those who want to save, note that the cheapest option only covers the minimum liability coverage of the state, and it isn’t always the best option. To have ample protection, adding comprehensive and collision coverage may be a smart idea. In this analysis, MoneyGeek used a sample rider profile based in Pennsylvania with a good driving history and a 50/100/25 liability-only coverage.
Cheapest Liability-Only Motorcycle Insurance Quotes in Pennsylvania
In terms of liability-only policies, MoneyGeek found that, on average, these are the companies offering the cheapest motorcycle insurance in Pennsylvania:
- Markel: $59 per year
- Progressive: $75 per year
The most expensive motorcycle insurance in the state is offered by Dairyland at an average of $134 per year. Markel is 56.1% cheaper than Dairyland, which shows why getting motorcycle insurance quotes in Pennsylvania is important.
Average Annual Premium for Liability Coverage
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- CompanyAnnual Premium
Cheapest Full Coverage Motorcycle Insurance Quotes in Pennsylvania
To stay fully protected on the road, getting a full coverage policy is crucial. This entails having both comprehensive and collision insurance. The former covers damage to the motorcycle not caused by an accident, while the latter covers damages that occur during an accident. Both of these can help fully protect your assets.
MoneyGeek’s analysis found that, on average, these companies offer the cheapest full coverage policies for a rider with a good driving history who is looking for 50/100/25 coverage and a $500 deductible:
- Progressive: $181 per year
- Dairyland: $233 per year
On the other hand, the most expensive insurer for full coverage policies is Nationwide, offering it at $523 per year. Progressive is 65.4% cheaper, showing that it pays to shop around.
Note that riders who are still making payments on their bike are more likely to need full coverage insurance.
Average Annual Premium for Comprehensive and Collision
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- CompanyAnnual Premium
What Is the Average Motorcycle Insurance Cost in Pennsylvania?
The average cost of motorcycle insurance in Pennsylvania depends on a number of factors such as motorcycle model, riding record, coverage limits and more. As a result, MoneyGeek gathered data from multiple carriers in Pennsylvania for different rider profiles.
The average cost of a full coverage policy stands at $284 per year or $24 per month, which is 22% or $80 less than the national average of $364 per year.
For liability-only policies, Pennsylvania riders pay an average of $100 per year or $8 per month. This is $41 less than the $141 national average. While this is significantly lower than a full coverage policy, remember that this does not include full protection and can still leave you at risk if you are in an accident.
The coverages used to determine the average policy rates in Pennsylvania included $50,000/$100,000 bodily injury coverage, $25,000 in property damage and a $500 deductible for full coverage policies. It also includes $5,000 in personal injury protection (PIP).
Car Insurance Costs by Coverage Type
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- Policy TypeAverage 12-Month Cost in PennsylvaniaAverage 12-Month National CostVariance
- Full Coverage$284$364-$80
- Liability Only$100$141-$41
The Best Motorcycle Insurance Companies in Pennsylvania
The best motorcycle insurance in Pennsylvania requires looking beyond cost. MoneyGeek examined companies based on three criteria, including policy cost in Pennsylvania, product offerings and service and financial stability metrics. Based on this, the highest-scoring motorcycle insurer in Pennsylvania is Progressive.
- Multi-policy insurance discounts
- Rewards for policyholders with no accidents for three years
- Additional discounts to policyholders who pay on time
- Disappearing deductible is not available in all states
- Discounts availability varies by state
- Large Accident Forgiveness not available in CA, NC and NY
With a MoneyGeek score of 94.45 out of 100, Progressive stands as the best motorcycle insurer in Pennsylvania. Their liability-only policies average at around $75 per year, while their full coverage policies cost an average of $181 per year. Progressive offers their policyholders a wide range of benefits, from getting discounts after taking a safety course to having coverages for gear and personal belongings. Their standard policies also include unique coverages not often seen, such as coverages for full replacement cost and no depreciation for parts, letting riders get their vehicle back to pre-accident condition or even better. They also offer additional coverages for those who want to stay extra protected. Their Total Loss coverage lets riders with a totaled bike get a new motorcycle minus the deductible if it is no older than one model year on a new policy or two model years old during a renewal of a total loss coverage policy.
- Up to 35% in discounts for installing safety items or taking courses
- 10% discount for policyholders who switch from another insurer
- Diminishing deductible that reduces by 25% each consecutive accident-free year
- Roadside assistance is not available for dirt bikes or ATVs
- Availability varies across states
- Services do not include regular auto insurance
MoneyGeek’s runner-up is Markel, scoring 91.19 out of 100. Their full coverage policies in Pennsylvania are offered at an average of $261 per year, and their liability-only policies stand at $59 per year on average. With more than 45 years in the business, Markel specializes in niche insurance markets. They offer insurance that keeps Pennsylvania biker’s needs in mind and cater to almost any type of bike. These include cruisers and street bikes to dirt bikes and custom motorcycles. Their insurance policies are customizable, letting riders create a policy that suits their riding style and needs. Their collision and comprehensive coverage also comes with $1,000 of accessory coverage that can be increased up to $30,000. This covers anything that is different from the stock unit along with riding gear such as leathers, helmets, gloves and more. They also offer passenger liability coverage, which is useful for riders who often have passengers and can protect them should they not be insured under the rider’s policy.
- Specialized customer service for their motorcycle insurance policyholders
- Special discounts for Harley-Davidson owners
- Various discounts for simple eligibility requirements
- Coverage options vary from state to state
- Services are not available in Alaska, Hawaii and Washington, DC
- They do not offer auto insurance as a potential bundle opportunity to save money
Another top pick is Harley-Davidson, with a MoneyGeek score of 86.25 out of 100. Their full coverage policies in Pennsylvania cost an average of $261 annually. On the other hand, their liability-only policies cost $121 per year. Harley-Davidson understands riders like no other. They offer policies for every type of rider and motorcycle make and model. Those with genuine parts from Harley-Davidson also get their parts replaced with the same parts to keep the bike authentic from top to bottom. Harley Owners Group members in Pennsylvania also get additional perks and discounts on their policies. The company also has an Accident Forgiveness program where all new policyholders qualify following other simple eligibility requirements. Their host of discounts are equally attractive. For instance, riders who pay on time or have an anti-theft device on their bike can save money.
How to Get a Motorcycle Insurance Quote in Pennsylvania
Before getting motorcycle insurance quotes in Pennsylvania, preparing a list of information is necessary so insurers can give you an accurate estimate of annual premiums. This includes:
- ZIP code and address in Pennsylvania
- Rider’s personal information
- Vehicle year, make and model
- Riding records and experience level
- Insurance coverage elections (see below for more information on this)
How Much Motorcycle Insurance Coverage Do You Need in Pennsylvania?
Riders should be familiar with Pennsylvania motorcycle insurance laws and requirements before getting on the road. The state requires that all riders meet these minimum motorcycle insurance requirements:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability
- $5,000 Personal injury protection (PIP)
How Much Insurance Coverage Is Required in Pennsylvania?
In Pennsylvania, the minimum liability coverage required is 15/30/5 or liability limits of $15,000 in bodily injury, $30,000 in bodily injury liability and $5,000 in property damage. This is how much an insurer will cover should a policyholder get into an accident and they are at fault.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Pennsylvania?
The State of Pennsylvania requires that riders have at least $5,000 of PIP coverage. Underinsured and uninsured motorist coverages are optional but highly encouraged by state officials.
For most riders in Pennsylvania, MoneyGeek recommends a full coverage policy of at least 50/100/25 and preferably 100/300/100 because of the small incremental cost for a large increase in coverage. As the state of Pennsylvania also requires PIP coverage, we highly recommend getting the state minimum coverage or more if it’s within the budget.
Frequently Asked Questions About Motorcycle Insurance in Pennsylvania
Determining motorcycle insurance rates in Pennsylvania can be tricky. This is why MoneyGeek has answered a few commonly asked questions about motorcycle insurance in Pennsylvania.
Motorcycle insurance quotes were taken directly from insurers in Pennsylvania based on varying coverage amounts and driver profiles to help riders determine the least expensive provider in the state. To find the best motorcycle insurance companies in Pennsylvania, MoneyGeek looked at three factors. These include policy cost in Pennsylvania (60% weighting), product offerings and service (30% weighting) and financial stability metrics from AM Best (10% weighting). The most recent license laws and insurance coverage requirements in Pennsylvania were gathered from the state DMVs to ensure accurate and up-to-date information.
About the Author
- Injury Prevention. "Motor vehicle driver injury and marital status: a cohort study with prospective and retrospective driver injuries." Accessed March 9, 2021.
- Insurance Information Institute. "2020 Insurance Fact Book." Accessed June 11, 2021.
- Insurance Information Institute. "Facts + Statistics: Teen drivers." Accessed March 5, 2021.
- Pennsylvania Insurance Department. "Automobile Insurance Guide." Accessed May 6, 2021.