Updated: September 18, 2025
Advertising & Editorial Disclosure
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."
To reduce motorcycle insurance costs, determine your coverage needs first, identify applicable discounts and compare quotes from multiple providers.
Progressive offers the cheapest motorcycle insurance nationwide at $160 monthly, saving riders $93 versus the national average. GEICO follows at $170 monthly, while regional carriers like Shelter Insurance may provide even lower rates in their coverage areas.
Choosing Progressive over Harley saves $60 monthly, totaling $720 annually. Even 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 expensive than the next cheapest large motorcycle insurer. Regionally, Markel offers low-cost coverage for just $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, positioned between Dairyland's $243 rate and Harley's $290 policies. Choosing Dairyland over Progressive saves $19 monthly, totaling $228 in annual premium reductions for riders where Dairyland's policies are available.
| 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 where it wins. Regional carriers provide better value in specific markets, with Dairyland providing cheaper premiums that save 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 affordable 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 for riders willing to switch carriers. 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, delivering $13 monthly savings over second-place Markel at $89. The gap widens significantly with third-place GEICO at $99 monthly, making Progressive $23 cheaper than GEICO annually — 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. Use the table below to find 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 |
Choosing motorcycle insurance requires evaluating both price and coverage quality. Our comprehensive guide helps you find cheap motorcycle insurance companies that deliver reliable protection for your bike.
There are several steps to follow when shopping for cheap motorcycle insurance coverage that is right for you, including:
Before you purchase a policy, it is important to know exactly how much motorcycle insurance you need. Every rider should have liability coverage, not only because it is required by law in almost every state but also because it is the coverage that protects you financially if you harm another person or their property. We recommend always choosing the highest level of liability coverage that you can afford.
Almost every motorcycle insurance company offers a handful of discounts, including:
Each company offers its own unique discounts, so it is important to look at all of the discounts available to you when researching which policy to buy.
Comparing quotes from multiple providers ensures you get competitive rates for your motorcycle coverage. Quote shopping reveals how much coverage costs for your specific profile and helps identify potential savings. Research each company's reputation and coverage options beyond price alone to find the most suitable policy for your needs.
Insurance policies offer a variety of coverage options. Every insurance company tailors its coverage to a specific market, which means not every policy will be the right one for you. For example, some policies cater to military members, while others appeal to people who own specific motorcycles. You have many options, but it can be helpful to find a company that considers you as part of its target market to make sure you are happy with your motorcycle insurance.
In total, Progressive is our pick for the most affordable motorcycle insurance overall, winning 6 out of 7 of our major cost categories and being the cheapest in 35 out of 51 states/territories. We also recommend getting quotes from Geico and Shelter Insurance as well to ensure you get the lowest rate possible.
Below, we've answered some frequently asked questions regarding the cheapest motorcycle insurance companies:
According to our research, Progressive has the lowest overall motorcycle insurance rates, both for full coverage and liability-only insurance. However, Geico and Shelter Insurance also offer excellent overall rates.
Motorcycle insurance is often, but not always cheaper than car insurance. The low cost of motorcycle insurance is partly because motorcycles are less likely to cause significant bodily injury or property damage to other people in an at-fault accident, keeping your liability costs low. Motorcycles are also usually, but not always cheaper to repair or replace than cars, which lower comprehensive or collision costs. Lastly, though motorcycle accidents are more likely to result in a fatality than a car accident, there are far fewer motorcycle accidents than car accidents in a given year, which helps keep insurance costs low.
Cheap motorcycle insurance can be good, but it can also be insufficient for your needs. Therefore, it is important to 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 in many cases, and they are also less likely to cause significant damage. Also, motorcycles are often only used for part of the year, especially in areas where winter is cold and snowy.
MoneyGeek compiled online quotes from the top motorcycle insurance providers to help you get the cheapest motorcycle insurance. We gathered quotes for all 50 states with varying age and driving record profiles. MoneyGeek also chose minimum level of coverage 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.
