Through our analysis we found that Progressive offers the cheapest full coverage motorcycle insurance regardless of driver profile nationally. For most riders, the company offers average rates of $31 per month or $368 per year.
Cheapest Full Coverage Motorcycle Insurance
Updated: April 23, 2025
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Key Takeaways
Nationally, the cheapest motorcycle insurers for full coverage are Progressive, , Shelter Insurance, Geico, Dairyland and Harley Davidson.
Regardless of your rider profile, Progressive offers the lowest full coverage motorcycle rates with average prices ranging from $6 to $57 per month.
Saving money on motorcycle insurance involves, deciding on a coverage level beforehand, finding discounts you can qualify for, and comparing quotes.
Cheapest Full Coverage Motorcycle Insurance Companies
Cheapest Provider | Average Monthly Premium | % Savings Compared To National Average |
|---|---|---|
Progressive | $31 | 36% |
Shelter Insurance | $42 | 13% |
Geico | $46 | 4% |
Dairyland | $47 | 0% |
Harley Davidson | $58 | -21% |
*Rates are for a 40-year-old rider with no violations that is insuring a 2023 Honda CRF450RL.
Cheapest Full Coverage Motorcycle Insurance Rates by Driver Category
We also found that regardless of profile, Progressive remains the overall cheapest provider, winning all five of the rider categories we studied. Below you can review their average rates for each group.
Cost Category | Cheapest Company | Average Monthly Rate |
|---|---|---|
Progressive | $51 | |
Seniors | Progressive | $22 |
Riders With An At-Fault Accident | Progressive | $45 |
Riders With A Speeding Ticket | Progressive | $45 |
Riders With a DUI | Progressive | $45 |
Cheapest Full Coverage Motorcycle Insurance by State
Considering state level rates, Progressive still maintains its cheapest title for full coverage and is the most affordable company in 37 out of 51 states and territories. Even so, they are not the lowest cost provider everywhere, so we've broken down the most affordable providers by state below.
State | Cheapest Company | Average Monthly Rate |
|---|---|---|
Progressive | $17 | |
Progressive | $16 | |
Progressive | $34 | |
Dairyland | $34 | |
Progressive | $48 | |
Shelter Insurance | $30 | |
Progressive | $37 | |
Harley Davidson | $31 | |
Markel | $25 | |
Progressive | $42 | |
Progressive | $32 | |
Progressive | $15 | |
Harley Davidson | $45 | |
Progressive | $30 | |
Progressive | $17 | |
Progressive | $21 | |
Progressive | $16 | |
Dairyland | $48 | |
Progressive | $18 | |
Progressive | $27 | |
Progressive | $21 | |
Geico | $59 | |
Progressive | $17 | |
Progressive | $35 | |
Shelter Insurance | $30 | |
Progressive | $6 | |
Shelter Insurance | $15 | |
Progressive | $19 | |
Progressive | $29 | |
Harley Davidson | $42 | |
Progressive | $29 | |
Progressive | $14 | |
Progressive | $25 | |
Progressive | $13 | |
Progressive | $23 | |
Dairyland | $23 | |
Progressive | $50 | |
Harley Davidson | $24 | |
Progressive | $27 | |
Progressive | $22 | |
Geico | $20 | |
Progressive | $23 | |
Progressive | $53 | |
Progressive | $21 | |
Progressive | $16 | |
Progressive | $26 | |
Progressive | $17 | |
Washington D.C. | Progressive | $57 |
Geico | $26 | |
Progressive | $16 | |
Progressive | $13 |
*Our rates presented are based on a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL.
How Much Does Full Coverage Motorcycle Insurance Cost?
Overall, you can expect full coverage motorcycle insurance to cost around $571 per year or around $48 monthly. However depending on your profile and provider chosen, costs can range anywhere from $76 to $1,939 per year.
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
Below we've summarized full coverage motorcycle insurance rates on average by state for most riders.
State | Average Monthly Premium | Average Annual Premium |
|---|---|---|
Alabama | $32 | $388 |
Alaska | $19 | $226 |
Arizona | $86 | $1,035 |
Arkansas | $58 | $691 |
California | $66 | $792 |
Colorado | $47 | $567 |
Connecticut | $52 | $629 |
Delaware | $46 | $549 |
Florida | $54 | $652 |
Georgia | $60 | $724 |
Hawaii | $37 | $439 |
Idaho | $22 | $262 |
Illinois | $77 | $901 |
Indiana | $60 | $723 |
Iowa | $29 | $351 |
Kansas | $39 | $463 |
Kentucky | $47 | $562 |
Louisiana | $81 | $966 |
Maine | $24 | $284 |
Maryland | $51 | $612 |
Massachusetts | $79 | $949 |
Michigan | $78 | $942 |
Minnesota | $36 | $430 |
Mississippi | $54 | $648 |
Missouri | $51 | $614 |
Montana | $13 | $158 |
Nebraska | $30 | $355 |
Nevada | $68 | $817 |
New Hampshire | $44 | $528 |
New Jersey | $59 | $713 |
New Mexico | $58 | $690 |
New York | $30 | $355 |
North Carolina | $30 | $356 |
North Dakota | $17 | $203 |
Ohio | $39 | $464 |
Oklahoma | $45 | $542 |
Oregon | $67 | $803 |
Pennsylvania | $50 | $600 |
Rhode Island | $36 | $429 |
South Carolina | $44 | $527 |
South Dakota | $25 | $303 |
Tennessee | $51 | $608 |
Texas | $71 | $851 |
Utah | $52 | $621 |
Vermont | $20 | $239 |
Virginia | $58 | $690 |
Washington | $29 | $343 |
Washington D.C. | $71 | $853 |
West Virginia | $29 | $347 |
Wisconsin | $30 | $355 |
Wyoming | $25 | $301 |
How to Get Cheap Motorcycle Insurance
There are several steps to follow when deciding which motorcycle insurance coverage is right for you, including:
- 1
Decide How Much Coverage You Need
Before you purchase a policy, it is important to know exactly how much motorcycle insurance you need. Factors you should consider are your current financial situation, your riding habits, and even your location. You should also talk to an agent about these risk factors for a second opinion to make sure you're getting the full picture as well.
- 2
Research Costs and Discounts
Almost every motorcycle insurance company offers some form of discounts whether that be for affiliations/memberships, rider safety courses, bundling and multi-vehicle policies that you should look for. In addition to this, you should research average motorcycle insurance rates for your profile to get a gauge on whether a provider is cheap or not when you compare quotes.
- 3
Get a Motorcycle License
While it is harder than getting just an endorsement, a motorcycle license can save you up to 8% more on a bike policy.
- 4
Compare Quotes
Comparing quotes from multiple insurance companies is the only way to know you’re getting the best possible rate for your motorcycle coverage. Getting multiple quotes can help bring into perspective how much motorcycle insurance costs for you and keep your rates low, but it is important to do your research when choosing a policy. Just because a policy is the cheapest option doesn’t mean it is the right coverage for you, so make sure you choose the most affordable policy that meets all your needs.
Cheap Full Coverage Motorcycle Insurance: Bottom Line
Overall, Progressive, Shelter Insurance and Geico are our top 3 cheapest full coverage motorcycle insurers in the nation. Even though these are our recommendations, we urge you compare around for yourself to get the best deal possible.
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?
According to our research, Progressive has the lowest overall motorcycle full coverage insurance rates with pricing as low as $6 per month or $76 per year.
How much is full coverage motorcycle insurance?
Nationally full coverage motorcycle insurance costs around $571 per year or around $48 per month.
What is full coverage motorcycle insurance?
Full coverage motorcycle insurance is a bike policy that has liability, collision and comprehensive insurance. In other words, it protects you for damages caused by you in an accident and damages to your vehicle due to any cause besides mechanical breakdown and wear and tear.
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 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.
sources
- Insurance Information Institute. "Facts+Statistics: Motorcycle Crashes." Accessed May 10, 2021.