Key Takeaways

blueCheck icon

Nationally, the cheapest motorcycle insurers for full coverage are Progressive, Shelter Insurance, GEICO, Dairyland and Harley Davidson.

blueCheck icon

Regardless of rider profile, Progressive offers the lowest full coverage motorcycle insurance rates with average monthly prices ranging from $6 to $57.

blueCheck icon

Getting cheap motorcycle insurance involves deciding on a coverage level beforehand, finding discounts you can qualify for, and comparing cheap quotes from reputable companies.

Compare Motorcycle Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Cheapest Full Coverage Motorcycle Insurance Companies

Progressive offers the cheapest full coverage motorcycle insurance at $31 monthly or $368 annually, matching Shelter Insurance for the lowest rates nationally. That's $17 less per month than the national average of $48, which covers your annual registration fees or a full tank of gas.

Harley ranks as the surprising value leader for cheap full-coverage motorcycle insurance, at just $19 monthly or $234 annually, though availability varies by state and requires H.O.G. membership. If you own a Harley and belong to H.O.G., you'll save $134 annually compared to Progressive. GEICO and Dairyland round out the top five most affordable full-coverage insurers at $30 to $31 monthly. All five beat the national average enough to pay for a basic maintenance service annually.

Harley$19$23447%
Geico$30$36418%
Dairyland$31$37715%
Progressive$32$38413%

*Rates are for a 40-year-old rider with no violations that is insuring a 2023 Honda CRF450RL.

Cheapest Full Coverage Motorcycle Insurance by Age

Progressive and Dairyland tie for the lowest full coverage rates for adults aged 25 to 40 at $22 monthly, saving riders $97 annually Teens pay $50 with Dairyland and Progressive for the cheapest full coverage motorcycle insurance, while Young adults pay an average of $38 for the same level of protection. Shop strategically when you turn 25. Your premiums drop sharply as you exit the high-risk young rider category.

Data filtered by:Results filtered by:
Adults (25-40)
Age Group:Adults (25-40)
Progressive$22$267$97
Dairyland$22$267$97
Harley$25$302$62
Geico$28$336$27

Cheapest Full Coverage Motorcycle Insurance Rates by Driver Profile

Progressive provides the most affordable motorcycle insurance for every rider category: young riders, seniors, and riders with violations. This consistency matters when your situation changes. If you get a violation, you won't need to shop around. Progressive charges a flat $45 monthly rate whether you have a speeding ticket, at-fault accident or DUI. That's $252 to $516 in annual savings compared to competitors who heavily penalize violations. Staying with one insurer also preserves loyalty discounts and simplifies your full coverage.

Driver Profile
Cheapest Company
Average Monthly Premium
Average Yearly Premium

Young Riders

Progressive

$51

$612

Seniors

Progressive

$22

$264

Riders With An At-Fault Accident

Progressive

$45

$540

Riders With A Speeding Ticket

Progressive

    
$45

$540

Riders With a DUI

Progressive

$45

$540

Cheapest Full Coverage Motorcycle Insurance by State

Progressive provides the cheapest full coverage motorcycle insurance in 37 states-saving riders on average $116 yearly, but regional competition matters when you're shopping.

The Southwest and high-theft states favor specialized providers who better understand local risks. Harley offers the cheapest full coverage in Arizona at $31 monthly, Florida at $24 monthly, Oregon at $28 monthly, Texas at $24 monthly and Utah at $26 monthly. These are all states where Harley-Davidson dealers are common, and the insurer offers targeted coverage. 

The Midwest's most affordable full coverage rates are offered by Dairyland, which specializes in rural and moderate-risk markets. It offers the lowest full coverage rates in Kansas at $10 monthly, Indiana at $14 monthly, Kentucky at $21 monthly and Mississippi at $23 monthly. Only Washington breaks the pattern, where Markel's niche coverage wins at $15 monthly.

AlabamaProgressive$15$174$99
AlaskaProgressive$13$158$42
ArizonaHarley$31$367$1,504
ArkansasDairyland$16$188$223
CaliforniaGeico$25$305$248
ColoradoDairyland$19$230$91
ConnecticutDairyland$16$188$161
DelawareHarley$21$247$219
FloridaHarley$24$289$1,142
GeorgiaDairyland$23$271$128
HawaiiGeico$20$236$115
IdahoDairyland$19$233$119
IllinoisProgressive$25$305$112
IndianaDairyland$14$162$287
IowaGeico$11$132$106
KansasDairyland$10$115$116
KentuckyDairyland$21$254$202
LouisianaGeico$28$336$123
MaineProgressive$15$185$134
MarylandDairyland$15$175$198
MassachusettsProgressive$23$273$62
MichiganProgressive$31$376$80
MinnesotaProgressive$12$146$78
MississippiDairyland$23$276$254
MissouriProgressive$26$307$189
MontanaGeico$10$115$55
NebraskaGeico$24$284$60
NevadaProgressive$22$263$222
New HampshireGeico$14$167$191
New JerseyProgressive$38$457$100
New MexicoProgressive$18$210$208
New YorkProgressive$15$183$99
North CarolinaHarley$15$179$198
North DakotaHarley$11$134$88
OhioGeico$12$141$174
OklahomaProgressive$21$249$70
OregonHarley$28$337$1,185
PennsylvaniaProgressive$15$181$103
Rhode IslandDairyland$18$211$354
South CarolinaProgressive$21$249$111
South DakotaDairyland$13$152$85
TennesseeDairyland$19$226$185
TexasHarley$24$292$1,599
UtahHarley$26$315$975
VermontHarley$18$219$118
VirginiaProgressive$22$258$155
WashingtonMarkel$15$179$109
West VirginiaDairyland$22$268$222
WisconsinProgressive$14$168$123
WyomingProgressive$12$139$108

*Our rates presented are based on a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL.

Cheapest Full Coverage Motorcycle Insurance by Bike Type

Affordable comprehensive motorcycle insurance for cruisers costs $302 monthly with Harley, while sport bikes run $2,620 monthly with GEICO. That's a $2,318 monthly difference that changes which bike you can afford to own. Sport bike insurance alone costs $27,816 more per year. If you're choosing between a cruiser and a sport bike; factor budget-friendly insurance rates into your total ownership cost. A $12,000 cruiser with $302 monthly insurance costs less over five years than an $8,000 sport bike with $2,620 monthly premiums.

CruiserHarley$302$3,618$179
Sport BikeGeico$2,620$31,445$1,328

How Much Does Full Coverage Motorcycle Insurance Cost?

Full coverage motorcycle insurance costs $571 annually or $48 monthly nationally. Young riders at 16 pay $1,042 annually or $87 monthly, which competes with car payments. Adults aged 25 to 40 pay $571 annually or $48 monthly, manageable for most budgets. Seniors pay $509 annually or $42 monthly. That's a $533 difference from teenage rates, making motorcycle ownership more affordable in retirement.

Violations strain your budget. The average full coverage motorcycle insurance cost for riders with a clean driving record is $571 yearly A speeding ticket raises costs to $742 annually, $171 more than it costs to upgrade coverage from minimum protection to comprehensive and collision coverage with a clean record. An at-fault accident pushes costs to $933 annually. A DUI raises premiums to $958 annually, or $387 more than clean-record riders pay. Keep your record clean to avoid these budget hits

Cost Category
Average Monthly Premium
Average Annual Premium

Young Riders

$87

$1,042

Adult Riders

$48

$571

Senior Riders

$42

$509

Riders With a Speeding Ticket

$62

$742

Riders With an At-Fault Accident

$78

$933

Riders With a DUI

$80

$958

Full Coverage Motorcycle Insurance Cost By State

If you're considering relocating, factor insurance into your cost-of-living calculations. The cheapest states cluster in the Northern Plains. Montana at $170 yearly, Minnesota at $224 yearly, North Dakota at $222 yearly, Iowa at $238 yearly and South Dakota at $237 yearly all charge under $250 annually. That's less than one month's rent in most areas. These low costs make motorcycle ownership accessible on modest budgets.

You can't change where you live for insurance savings, but understanding state-level pricing helps you budget accurately and recognize whether quotes you receive are reasonable for your area.

The most expensive states make motorcycle ownership challenging. Texas ($1,891), Arizona ($1,871), Oregon ($1,522) and Florida ($1,431) all exceed $1,400 annually. These costs rival car insurance premiums and force riders to choose between comprehensive coverage and basic liability. If you live in these states, budget $120 to $160 monthly for insurance alone.

Alabama$23$273
Alaska$17$200
Arizona$156$1,871
Arkansas$34$411
California$46$553
Colorado$27$321
Connecticut$29$349
Delaware$39$466
Florida$119$1,431
Georgia$33$399
Hawaii$29$351
Idaho$29$352
Illinois$35$417
Indiana$37$449
Iowa$20$238
Kansas$19$231
Kentucky$38$456
Louisiana$38$459
Maine$27$319
Maryland$31$373
Massachusetts$28$335
Michigan$38$456
Minnesota$19$224
Mississippi$44$530
Missouri$41$496
Montana$14$170
Nebraska$29$344
Nevada$40$485
New Hampshire$30$358
New Jersey$46$557
New Mexico$35$418
New York$23$282
North Carolina$31$377
North Dakota$19$222
Ohio$26$315
Oklahoma$27$319
Oregon$127$1,522
Pennsylvania$24$284
Rhode Island$47$565
South Carolina$30$360
South Dakota$20$237
Tennessee$34$411
Texas$158$1,891
Utah$108$1,290
Vermont$28$337
Virginia$34$413
Washington$24$288
West Virginia$41$490
Wisconsin$24$291
Wyoming$21$247

Factors That Affect the Cost of Full Coverage Motorcycle Insurance

our age, location, driving record and bike type all impact your full coverage motorcycle insurance premiums. While you can't control factors like age or where you live, knowing how insurers price risk helps you find the cheapest comprehensive motorcycle insurance and make smarter coverage decisions.

Age and Riding Experience

Sixteen-year-olds pay $1,042 annually, while 40-year-olds pay $571 annually. That's a $471 difference in determining whether motorcycle ownership fits a young rider's budget. By age 65, rates drop to $509 annually. Plan for annual premium decreases of 15% to 25% through your 20s as you gain experience without violations. That budget relief makes continued ownership more affordable as you progress through your career.

Motorcycle Type

Geographic Location

Driving Record and Violations

Coverage Limits and Deductibles

Theft Risk

Annual Mileage Rode

Credit Score

How To Get Cheap Full Coverage Motorcycle Insurance

Getting cheap full coverage motorcycle insurance requires balancing two competing goals: securing the lowest possible rates for comprehensive protection while avoiding policies that won't protect you when you need them most The difference between smart savings and false economy comes down to preparation, strategic comparison and knowing red flags that signal inadequate coverage. 

This section shows you how to find real cheap full coverage motorcycle insurance, verify coverage quality and avoid insurers cutting corners in ways that cost you thousands during claims.6.89 Follow these steps in three phases: prepare before requesting quotes, compare options strategically during shopping and maintain low rates after purchase.

Before You Shop

Taking time to prepare before you shop for affordable motorcycle insurance affects how cheap a rate you get. Preparation helps you identify discounts and ensures that low-cost quotes reflect your risk profile and tolerance. Riders who skip preparation pay 10% to 30% more than necessary because insurers quote them as higher-risk riders, or they miss out on stackable discounts. These steps take two to four weeks to complete, but save you hundreds annually for years.

  1. 1

    Decide How Much Coverage You Need

    Know precisely how much coverage you need before shopping. Full coverage costs $223 more annually than minimum coverage nationally—$571 versus $348. The decision depends on your bike's value and liquid savings.

    Calculate your motorcycle's value using Kelley Blue Book or NADA Guides. Full coverage protects if your bike is worth $3,000 or more and you lack matching replacement funds. Minimum coverage may work if your bike is worth under $2,000 and you have sufficient savings. The $39 monthly difference for full coverage prevents financial disaster if you can't immediately replace your bike from savings.

  2. 2

    Get a Motorcycle License

    Complete this before shopping for quotes. A full motorcycle license costs $39 in most states but saves $75 to $150 annually on insurance. It pays for itself within four months and delivers net savings every month after that. Over 10 years, this single action saves $711 to $1,461 compared to riding with just a permit or endorsement.

    The license requires written and riding skills tests, which take time and effort. But insurers reward full licensing with 10% to 20% premium reductions because it demonstrates riding competency. If you've been putting off getting your full license, the insurance savings provide strong financial motivation to complete the process now before requesting quotes.

  3. 3

    Research Available Discounts

    Every major insurer offers discounts, but they won't apply them automatically. You must ask and provide documentation. Knowing available discounts before shopping helps maximize savings and compare real costs after discounts rather than misleading base rates.

    Typical discounts include bundling at 20% to 25%, safety course completion worth $50 to $200 annually, pay-in-full discounts at 5% to 10% and low-mileage savings at 10% to 20%. Stack multiple discounts to cut premiums by 30% to 50%. That transforms a $700 annual policy into $350 to $490 or potentially hundreds in yearly savings. Make a list of the discounts you qualify for before requesting quotes.

While You Shop

This phase separates legitimate savings from policies that will fail you during claims. You'll request multiple quotes, verify coverage quality This phase separates legitimate savings from policies that will fail you during claims. You'll request multiple low-cost full coverage quotes, verify coverage quality, and identify red flags that signal inadequate protection. Riders who compare only prices end up with policies that exclude common claims or require unaffordable deductibles. These six steps take one to two hours total, but prevent thousands of dollars' worth of denied claims and ensure you're protected when accidents happen. Follow the process below to get the most budget-friendly motorcycle insurance quotes.

  1. 1

    Compare Quotes from Multiple Providers

    Comparing five insurers saves $180 annually compared to accepting your first quote. That's money that covers several tanks of gas or a replacement helmet. The 30 minutes invested in comparison shopping delivers $15 in monthly savings you'll realize for years.

    Request quotes from Progressive, GEICO, Dairyland and Harley-Davidson at a minimum. Use online comparison tools, contact independent agents and request direct quotes from insurer websites. Provide identical information to each insurer for accurate comparisons: the same coverage limits, deductibles, and annual mileage

  2. 2

    Compare Coverage Details Side by Side

    Don't compare prices alone. Create a spreadsheet listing coverage limits, deductibles, included options and exclusions for each quote. Verify that cheaper policies provide identical protection to higher-priced alternatives.

    A $368 annual comprehensive policy with 100/300/50 limits and $1,000 deductibles beats a $300 yearly policy with 15/30/5 limits and $2,500 deductibles. The cheaper policy leaves you exposed to financial disaster despite the lower premium. Compare what you're actually buying, not just the monthly payment.

  3. 3

    Adjust Your Deductible

    Raising your deductible from $500 to $1,000 saves $86 to $143 annually on a $571 policy or $7 to $12 monthly, which adds up over the years. Over five years, this single change saves $430 to $715 on your full coverage motorcycle insurance premiums. That's substantial money for a simple policy adjustment.

    Choose carefully. If you file a claim, you'll pay the first $1,000 yourself before insurance covers anything. If you lack $1,000 in liquid savings right now, don't pick a $1,000 deductible just to save money on premiums. You'll face financial hardship after any accident or theft. Match your deductible to your emergency fund to balance cheap coverage with financial safety.

  4. 4

    Calculate Total Out-of-Pocket Exposure

    Add your annual premium to your deductible to understand your maximum yearly cost. A $500 policy with a $500 deductible costs $1,000 maximum per year. A $300 policy with a $2,000 deductible costs $2,300 maximum per year if you file a claim.

    Choose based on total exposure, not just monthly premium. The higher-premium policy protects you better if you actually need to use your insurance. This calculation reveals which policy provides better value when you account for both regular costs and potential claim costs.

  5. 5

    Request Policy Documents Before Buying

    Ask for sample policy documents showing exact coverage terms, exclusions and claim procedures. Read the fine print before committing. Some insurers advertise full coverage but exclude common scenarios like potholes, parking lot damage or mechanical failures that cause accidents.

    Red flags include exclusions for specific damage types, requirements that you use preferred repair shops or clauses limiting payouts to actual cash value instead of replacement cost. Quality insurers provide clear policy documents upfront without pressure to buy immediately.

  6. 6

    Verify Claims Process Details

    Ask how to file a claim, typical processing times and whether you can choose your repair shop. Quality insurers process simple claims within 5 to 10 business days. Budget insurers sometimes take 30 to 60 days and require extensive documentation for minor claims.

    Test customer service before buying. Call with questions about coverage scenarios. Evaluate response times, knowledge level and helpfulness. Poor service during shopping predicts worse service during claims. This 10-minute call can save you months of frustration if you ever need to file a claim.

After Purchase: How to Maintain Cheap Motorcycle Insurance Rates

Your initial savings mean nothing if rates increase 20% to 50% at renewal due to violations or risk factors you could control. Most riders ignore these ongoing savings opportunities and pay $200 to $600 more annually than necessary. Follow the four proven strategies detailed below to reduce your premiums year after year through simple changes to your behavior and bike security. Implement these strategies within your first policy year to lock in cheap full coverage premiums at renewal.

  1. 1

    Install Anti-Theft Devices

    Anti-theft devices like disc locks, GPS trackers and alarm systems cut comprehensive premiums by 5% to 15%, saving $29 to $86 annually on a $571 policy. Garage parking adds another 5% to 10%, saving $29 to $57 annually. Combined, these changes reduce comprehensive costs by 10% to 25% or $58 to $143 annually, which pays for the devices within one to two years and delivers pure savings every year after.

    Ask your insurer which devices qualify before purchasing. Some require specific brands or certified installation to earn discounts. A $200 GPS tracker that saves $86 annually pays for itself in 2.3 years and provides theft recovery benefits beyond insurance savings. A $50 disc lock that saves $29 annually pays for itself in 1.7 years. Both investments protect your bike while reducing your premiums.

  2. 2

    Reduce Your Annual Mileage

    Low-mileage riders logging under 5,000 miles annually pay 10% to 20% less than high-mileage riders or $57 to $114 in savings on a $571 policy. That's $5 to $10 monthly, which you keep by riding recreationally instead of commuting daily.

    Calculate total costs if you commute by motorcycle primarily to save gas money. Riding 15,000 miles annually might save $800 in gas versus driving, but the mileage-based insurance premium increase costs $114 annually and reduces net savings to $686. Recreational weekend riders avoid this insurance penalty while preserving their motorcycle for enjoyment rather than daily wear.

  3. 3

    Maintain a Clean Driving Record

    Riders with a clean driving record pay annual premiums of $571 while riders with a violation pay $742 to $958 annually or $171 to $387 more than strains your budget for three to 10 years. One speeding ticket increases motorcycle insurance costs $855 over five years, at $171 multiplied by 5 years. One DUI costs you $3,870 over 10 years at $387 multiplied by 10 years. These aren't abstract penalties but real money that disappears from your budget monthly.

    Drive defensively and follow traffic laws. Complete a defensive riding course to sharpen skills that prevent accidents and violations. Consider whether aggressive riding or speeding is worth thousands in long-term insurance costs. Most riders find the financial consequences far outweigh any thrill from risky behavior.

  4. 4

    Improve Your Credit Score

    Excellent credit saves 15% to 30% compared to poor credit or $86 to $171 annually on a $571 policy in most states. Over 10 years, improving your credit score from poor to excellent saves $860 to $1,710 on motorcycle insurance alone, plus additional savings on auto insurance, home insurance, mortgages and credit cards.

    Check your credit reports annually at AnnualCreditReport.com for free and dispute any errors immediately. Pay all bills on time, reduce credit utilization below 30% and avoid opening unnecessary credit accounts. Credit improvement takes six months to two years, but the cumulative savings across all financial products make this effort worthwhile. California, Hawaii, Massachusetts, Michigan and Washington prohibit or restrict credit-based pricing, so riders in these states won't see credit-based discounts.

Is Cheap Full Coverage Motorcycle Insurance Worth It?

Cheap full coverage motorcycle insurance is worth it when low prices reflect competitive markets and efficient operations, not stripped-down coverage that exposes you. Progressive, GEICO and Dairyland offer cheap full coverage rates from $30 to $31 monthly with strong financial ratings, comprehensive coverage options and reasonable claims service.

Risks of Cheap Full Coverage Motorcycle Insurance

Cheap" can mean different things. Some insurers cut prices by limiting coverage options, reducing claim payouts or providing poor customer service. Others offer low rates through operational efficiency and competitive pricing in low-risk markets. Understanding the difference protects you from false savings that cost more when you file a claim. Below are the risks of choosing the cheapest full coverage policy, explained in detail and ways to mitigate potential pitfalls.

Inadequate Coverage Limits

Unaffordable Deductibles

Poor Claims Service

Limited Coverage Options

Substandard Financial Strength

Cheap Full Coverage Motorcycle Insurance Red Flags

Some cheap quotes look attractive until you examine what you're actually buying. These warning signs indicate an insurer is cutting corners in ways that will cost you if you file a claim. A $200 annual policy that denies your $8,000 theft claim costs far more than a $368 policy that pays promptly. Walk away if you encounter these warning signs:

  • Pressure to Buy Immediately: Legitimate motorcycle insurers let you compare quotes and review policy documents. High-pressure sales tactics indicate the insurer knows its coverage is inferior and fears comparison shopping.

  • Vague Coverage Descriptions: Quality insurers clearly explain what's covered and excluded. Vague language like "standard coverage" or "basic protection" without specifics suggests the policy has gaps.

  • Unusually Low Rates Compared to Competitors: Invest thoroughly if one quote is 50% or more below all others for identical coverage. The insurer might exclude common claims, require unrealistic deductibles or have financial stability problems.

    Progressive at $368 annually beats the national average of $571 by 35%. That's competitive but not suspiciously low. A quote at $200 annually for the same coverage warrants investigation.

  • Poor or No Online Presence: Reputable motorcycle insurance providers maintain professional websites with detailed policy information, customer portals and online claims filing. Lack of online presence suggests a small or unstable operation.

  • Negative Reviews Focused on Claims: Every insurer has some negative reviews. Focus on patterns. The savings aren't worth the hassle if multiple recent reviews describe denied claims, delayed payments, or poor communication.

Cheap Full Coverage Motorcycle Insurance: Bottom Line

For most adult riders, Progressive offers the cheapest full coverage nationally at $31 monthly or $368 annually. Progressive leads in 37 states and wins all five rider profile categories, with monthly rates from $22 for seniors to $51 for young riders. That's $197 to $432 in annual savings versus national averages.

Full coverage costs $223 more annually than minimum coverage or $571 versus $348 nationally. That difference makes full coverage worthwhile for bikes worth $3,000 or more, financed motorcycles or riders without matching replacement funds in savings. One total loss pays for 2.6 years of full coverage premiums.

Compare quotes from Progressive, GEICO, Dairyland and Harley-Davidson. Your costs depend on age, riding experience, bike type, location and driving history. The 30 minutes invested in comparison shopping saves $200 to $400 annually. That's the single most effective cost reduction strategy available.

Cheapest Comprehensive Motorcycle Insurance: FAQ

Below, we've answered some frequently asked questions regarding the cheapest full coverage motorcycle insurance companies:

Who has the cheapest full coverage motorcycle insurance overall?

How much is full coverage motorcycle insurance?

What is full coverage motorcycle insurance?

How We Chose the Cheapest Full Coverage Motorcycle Insurers

We compiled online quotes from the top motorcycle insurance providers to help you get the cheapest motorcycle insurance and gathered quotes for all 50 states with varying age and driving record profiles to make them as personalized as possible. MoneyGeek represented full coverage policies with a 25/50/100 liability split with a $500 deductible for comprehensive and collision insurance for full coverage.

About Rachael Brennan

Rachael Brennan headshot

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.

Read Full Bio »
sources

MoneyGeek Address:1325 Howard Ave, Suite 338
Burlingame, CA 94010

MoneyGeek Phone:904-878-4335

About MoneyGeekPressPrivacy PolicyTerms of UseSitemap
Copyright © 2025 MoneyGeek.com. All Rights Reserved