Based on our analysis, we found that Progressive was the cheapest overall motorcycle insurer in Vermont with median rates of $12 per month and $139 annually. While this is the case, you may find lower rates with Dairyland, Geico and Harley Davidson.
Cheapest Motorcycle Insurance in Vermont
Updated: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest motorcycle insurance company in Vermont is Progressive who has average annual rates of $80 for minimum coverage and $197 for full coverage.
On average monthly, you can expect motorcycle insurance in Vermont to cost around $9 for minimum coverage and $20 for full coverage.
Compare multiple providers, get an insurance license and take advantage of all discounts available to save on Vermont motorcycle insurance.
Cheapest Motorcycle Insurance Companies in Vermont
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Progressive | $12 | $139 |
Geico | $14 | $167 |
Harley Davidson | $16 | $189 |
Dairyland | $17 | $207 |
*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 Vermont
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 Vermont.
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Progressive | $7 |
Full Coverage | Progressive | $16 |
Progressive | $13 | |
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 Vermont?
In Vermont, motorcycle insurance on average monthly costs $9 for minimum liability coverage and $20 for full coverage. In terms of nationwide affordability, the state ranks 14th for minimum coverage and 4th for full coverage.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $9 | $111 | -28% |
Full Coverage | $20 | $239 | -58% |
*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 Vermont Motorcycle Insurance
Below we'll detail key tips to help you save and get the best motorcycle insurance in Vermont.
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 28% on average in Vermont.
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 Vermont: Bottom Line
If you're looking for the best and most affordable motorcycle insurance in Vermont, we recommend looking to Progressive, Geico 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.
Vermont Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Vermont motorcycle insurance:
Who has the cheapest motorcycle insurance in Vermont?
Progressive is the cheapest bike insurer in Vermont with average full coverage rates of $16 per month and $7 monthly for minimum coverage.
How much does motorcycle insurance cost in Vermont?
Vermont motorcycle insurance costs are around $9 per month or $111 annually for minimum coverage and $20 monthly or $239 per year for full coverage.
What motorcycle insurance is required in Vermont?
Vermont motorcycle insurance requirements are as follows:
- 25/50/10 liability coverage
- 50/100/10
How We Chose The Cheapest Motorcycle Insurance in Vermont
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!