Updated: October 23, 2025
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The cheapest motorcycle insurance rates for minimum coverage start at $912 per year through Progressive, while full coverage premiums are as low as $2,916 annually with Dairyland.
Shelter Insurance is the cheapest motorcycle insurance company among regional providers, while Progressive offers the most affordable rates nationwide.
Reduce motorcycle insurance costs by determining your coverage needs first, identifying applicable discounts and comparing quotes from multiple providers.
Progressive is the cheapest motorcycle insurance company for full coverage nationwide at $160 monthly, saving riders $93 versus the national average. GEICO follows at $170 monthly, while regional carriers like Shelter Insurance provide even lower rates in their coverage areas.
Choosing Progressive over Harley saves riders $60 monthly, totaling $720 annually. The $10 difference between Progressive and GEICO adds up to $120 per year, making rate comparison worthwhile for budget-conscious riders.
| Progressive | $160 | $93 | 37% |
| Geico | $170 | $82 | 32% |
| Dairyland | $200 | $52 | 21% |
| Harley | $220 | $32 | 13% |
Rates shown reflect quotes for a 40-year-old rider with a clean driving record insuring a 2018 Honda Rebel 500 ABS. These figures combine liability and comprehensive coverage costs to represent the most affordable motorcycle insurance providers nationally.
Progressive offers the lowest minimum coverage rates among national carriers at $76 per month, saving riders $66 compared to the national average and $23 less than the next cheapest large motorcycle insurer. Markel offers low-cost coverage for $89 monthly for riders in its coverage area.
| Progressive | $76 | $66 | 47% |
| Markel | $89 | $52 | 37% |
| Geico | $99 | $42 | 30% |
| Nationwide | $114 | $27 | 19% |
| Harley | $128 | $13 | 9% |
| Dairyland | $136 | $5 | 4% |
Cheap full coverage motorcycle insurance costs vary widely between carriers. Progressive charges $262 monthly, between Dairyland's $243 rate and Harley's $290 policies. Choosing Dairyland over Progressive saves $19 monthly ($228 annually) for riders where Dairyland operates.
| Dairyland | $243 | $121 | 33% |
| Progressive | $262 | $102 | 28% |
| Harley | $290 | $73 | 20% |
| Geico | $338 | $26 | 7% |
Progressive offers the most affordable motorcycle insurance rates in 19 states, averaging $115 monthly savings. Regional carriers provide better value in specific markets, with Dairyland saving riders an average of $185 monthly across 18 states.
| Alabama | Progressive | $174 | $99 | 36% |
| Alaska | Progressive | $158 | $42 | 21% |
| Arizona | Dairyland | $246 | $134 | 35% |
| Arkansas | Dairyland | $188 | $223 | 54% |
| California | Geico | $210 | $170 | 45% |
| Colorado | Dairyland | $230 | $91 | 28% |
| Connecticut | Dairyland | $188 | $161 | 46% |
| Delaware | Harley | $247 | $219 | 47% |
| Florida | Progressive | $200 | $97 | 33% |
| Georgia | Dairyland | $271 | $128 | 32% |
| Hawaii | Geico | $236 | $115 | 33% |
| Idaho | Dairyland | $233 | $119 | 34% |
| Illinois | Progressive | $305 | $112 | 27% |
| Indiana | Dairyland | $162 | $287 | 64% |
| Iowa | Geico | $132 | $106 | 45% |
| Kansas | Dairyland | $115 | $116 | 50% |
| Kentucky | Dairyland | $254 | $202 | 44% |
| Louisiana | Geico | $336 | $123 | 27% |
| Maine | Progressive | $185 | $134 | 42% |
| Maryland | Dairyland | $175 | $198 | 53% |
| Massachusetts | Progressive | $273 | $62 | 19% |
| Michigan | Progressive | $376 | $80 | 18% |
| Minnesota | Progressive | $146 | $78 | 35% |
| Mississippi | Dairyland | $276 | $254 | 48% |
| Missouri | Progressive | $307 | $189 | 38% |
| Montana | Geico | $115 | $55 | 32% |
| Nebraska | Geico | $284 | $60 | 17% |
| Nevada | Progressive | $263 | $222 | 46% |
| New Hampshire | Geico | $167 | $191 | 53% |
| New Jersey | Progressive | $457 | $100 | 18% |
| New Mexico | Progressive | $210 | $208 | 50% |
| New York | Progressive | $183 | $99 | 35% |
| North Carolina | Harley | $179 | $198 | 52% |
| North Dakota | Harley | $134 | $88 | 40% |
| Ohio | Geico | $141 | $174 | 55% |
| Oklahoma | Progressive | $249 | $70 | 22% |
| Oregon | Dairyland | $233 | $135 | 37% |
| Pennsylvania | Progressive | $181 | $103 | 36% |
| Rhode Island | Dairyland | $211 | $354 | 63% |
| South Carolina | Progressive | $249 | $111 | 31% |
| South Dakota | Dairyland | $152 | $85 | 36% |
| Tennessee | Dairyland | $226 | $185 | 45% |
| Texas | Dairyland | $205 | $267 | 57% |
| Utah | Dairyland | $209 | $167 | 44% |
| Vermont | Harley | $219 | $118 | 35% |
| Virginia | Progressive | $258 | $154 | 37% |
| Washington | Markel | $179 | $109 | 38% |
| West Virginia | Dairyland | $268 | $222 | 45% |
| Wisconsin | Progressive | $168 | $123 | 42% |
| Wyoming | Progressive | $139 | $108 | 44% |
Rates shown reflect quotes for a 40-year-old rider with a clean driving record insuring a 2018 Honda Rebel 500 ABS. For this profile we combined liability-only and full coverage premiums to fully represent the cheapest overall motorcycle insurance provider for each state.
GEICO offers the cheapest motorcycle insurance for young riders, with rates starting at $279 per month for 21-year-olds. The $83 monthly difference between GEICO and Progressive at age 21 represents $996 in annual savings. Progressive provides low-cost options for younger teens at $456 monthly for 16-year-olds.
Progressive offers the cheapest sport bike insurance with minimum coverage at $76 per month, $13 less than second-place Markel at $89. The gap widens with third-place GEICO at $99 monthly, making Progressive $23 cheaper monthly than GEICO, a $276 yearly advantage for budget-conscious sport bike riders.
| Progressive | $76 | $66 | 47% |
| Markel | $89 | $52 | 37% |
| Geico | $99 | $42 | 30% |
| Nationwide | $114 | $27 | 19% |
| Harley | $128 | $13 | 9% |
| Dairyland | $136 | $5 | 4% |
Rates shown reflect quotes for a 40-year-old rider with a clean driving record insuring a 2018 Honda Rebel 500 ABS. For this profile we combined liability-only and full coverage premiums to fully represent the cheapest overall motorcycle insurance provider for each state.
The cheapest motorcycle insurance provider varies based on your driving profile and coverage requirements. We analyzed rates across different rider categories to identify the lowest-cost options. The table shows the most affordable motorcycle insurance for your specific high-risk profile:
Cost Category | Cheapest Company | Lowest Monthly Rate |
|---|---|---|
Progressive | $9 | |
Seniors | Progressive | $6 |
Riders With An At-Fault Accident | Progressive | $6 |
Riders With A Speeding Ticket | Progressive | $6 |
Riders With a DUI | Progressive | $6 |
Choose motorcycle insurance by evaluating both price and coverage quality. Our guide helps you find cheap motorcycle insurance companies that deliver reliable protection for your bike.
Follow these steps when shopping for cheap motorcycle insurance coverage that's right for you:
Know exactly how much motorcycle insurance you need before buying a policy. Every rider should have liability coverage since it's required by law in almost every state and provides financial protection if you harm another person or their property. Choose the highest level of liability coverage you can afford.
Almost every motorcycle insurance company offers a handful of discounts, including:
Each company offers unique discounts, so check all available discounts when researching policies.
Compare quotes from multiple providers to get competitive rates for your motorcycle coverage. Quote shopping reveals how much coverage costs for your specific profile and helps identify savings. Research each company's reputation and coverage options beyond price to find the right policy for your needs.
Insurance policies offer various coverage options. Every insurance company tailors its coverage to a specific market, so not every policy fits your needs. Some policies cater to military members, while others appeal to owners of specific motorcycles. Finding a company that considers you part of its target market helps ensure you're happy with your motorcycle insurance.
Progressive is our pick for the most affordable motorcycle insurance overall, winning six out of seven major cost categories and offering the cheapest rates in 19 states. Get quotes from GEICO and Shelter Insurance to ensure you get the lowest rate possible.
We answer common questions about the cheapest motorcycle insurance companies.
Progressive has the lowest overall motorcycle insurance rates for both full coverage and liability-only insurance, according to our research. GEICO and Shelter Insurance also offer excellent overall rates.
Motorcycle insurance is often cheaper than car insurance. Motorcycles are less likely to cause significant bodily injury or property damage to others in an at-fault accident, keeping your liability costs low. Motorcycles are also cheaper to repair or replace than cars, lowering comprehensive or collision costs. While motorcycle accidents are more likely to result in a fatality than car accidents, far fewer motorcycle accidents occur each year, keeping insurance costs low.
Cheap motorcycle insurance can be good, but it can also be insufficient for your needs. Choose a policy based on many factors beyond price, including coverage levels and company reputation.
The average cost of motorcycle insurance is cheaper than auto insurance for several reasons. Motorcycles are cheaper to repair or replace than cars and less likely to cause significant damage. Motorcycles are also often used for part of the year, especially in areas with cold, snowy winters.
Finding affordable motorcycle insurance requires comparing rates across multiple carriers, but most riders don't have time to request dozens of quotes. We compiled quotes from top providers across all scenarios to identify which companies consistently offer the lowest rates for your specific profile.
Quote collection process: We gathered online quotes from top motorcycle insurance providers for all 50 states with varying age and driving record profiles. We chose minimum coverage levels required by states to represent minimum coverage rates and a 100/300/50 liability split with a $1,000 deductible for comprehensive and collision insurance for full coverage.
About Rachael Brennan
Rachael Brennan is a licensed insurance agent with over a decade of experience in the industry. She holds a property and casualty (P&C) license across all 50 states and a life, health, and accidental death and dismemberment (AD&D) license in New York and surrounding states. She writes personal finance and insurance content for MoneyGeek, specializing in property, casualty, health, life and accidental death and disability insurance.
Brennan earned her Bachelor of Science in Communications from Texas A&M University-Commerce. As a writer, she uses her insurance and personal finance experience to share practical knowledge and help people make informed financial decisions.
