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

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

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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.

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:
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 has the lowest full coverage motorcycle insurance rate across every rider category (young riders, seniors and riders with violations). A flat $45-a-month rate applies regardless of whether you have a speeding ticket, at-fault accident or DUI. That's $252 to $516 less a year than competitors that penalize violations heavily. Staying with one insurer also preserves loyalty discounts.

Driver Profile
Cheapest Company
Average Monthly Premium
Average Yearly Premium

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 has the lowest full coverage rates in 37 states, saving riders an average of $116 a year. Regional competition matters in the rest.

In the Southwest and high-theft states, Harley-Davidson has the lowest full coverage rates, at $31 a month in Arizona, $24 in Florida, $28 in Oregon, $24 in Texas and $26 in Utah. These are states with dense Harley dealership networks and riders who match the insurer's target profile.

In the Midwest, Dairyland (which concentrates on rural and moderate-risk markets) has the lowest rates in Kansas ($10 a month), Indiana ($14), Kentucky ($21) and Mississippi ($23). Washington is the exception, where Markel's niche coverage comes in at $15 a month.

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 a year, or $48 a month, nationally. Riders age 16 pay $1,042 a year, or $87 a month. Adults 25 to 40 pay the national average of $571 a year. Seniors pay $509 a year, or $42 a month, a $533 difference from teen rates.

Driving record affects these premiums directly. Riders with a clean record pay $571 a year for full coverage. A speeding ticket raises that to $742 a year, $171 more than the clean-record rate and $171 more than it costs to upgrade from minimum to comprehensive and collision coverage with a clean record. An at-fault accident brings the cost to $933 a year. A DUI raises premiums to $958 a year, $387 more than clean-record riders pay.

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.

State-level pricing data helps you budget accurately and assess whether the quotes you receive are reasonable for your area.

Texas ($1,891), Arizona ($1,871), Oregon ($1,522) and Florida ($1,431) all exceed $1,400 a year, almost as expensive as car insurance premiums. Riders in these states should budget $120 to $160 a month 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

Age, location, driving record and bike type all affect full coverage motorcycle insurance premiums. Age and location aren't adjustable, but knowing how insurers price each factor helps you identify where your rate has room to move.

Age and Riding Experience

Sixteen-year-olds pay $1,042 a year for full coverage motorcycle insurance. Forty-year-olds pay $571 a year, a $471 difference. By age 65, rates drop to $509 a year. Premiums decrease 15% to 25% through your 20s as you gain experience without violations.

Motorcycle Type

Geographic Location

Driving Record and Violations

Coverage Limits and Deductibles

Theft Risk

Annual Mileage Rider

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. 

The process breaks into three phases: prepare before requesting quotes, compare options during shopping and maintain low rates after purchase.

Before You Shop

Preparation determines how competitive a rate you get. Riders who skip it pay 10% to 30% more, either because insurers classify them as higher-risk or because they miss stackable discounts. These steps take two to four weeks but generate savings that carry forward for years.

  1. 1
    Decide How Much Coverage You Need

    Know how much coverage you need before shopping. Full coverage costs $571 a year nationally, $223 more than minimum coverage at $348. The right choice depends on your bike's value and how much you have in savings.

    Start by calculating your motorcycle's value using Kelley Blue Book or NADA Guides. Full coverage makes sense if your bike is worth $3,000 or more and you don't have matching replacement funds on hand. Minimum coverage may work if your bike is worth under $2,000 and you have enough savings to cover a total loss. The $39 monthly difference for full coverage covers you if you can't immediately replace your bike out of pocket.

  2. 2
    Get a Motorcycle License

    Complete this before shopping for quotes. A full motorcycle license costs $39 in most states and saves $75 to $150 a year on insurance. Over 10 years, this saves $750 to $1,500 compared to riding with just a permit or endorsement.

    The license requires written and riding skills tests. Insurers reward full licensing with 10% to 20% premium reductions because it reflects riding competency. Getting your full license before requesting quotes locks in the lower rate from the start.

  3. 3
    Research Available Discounts

    Every major insurer offers discounts, but none apply them automatically. You have to ask and provide documentation.

    Typical discounts include bundling at 20% to 25%, safety course completion worth $50 to $200 a year, pay-in-full discounts at 5% to 10% and low-mileage savings at 10% to 20%. Stacking multiple discounts can cut premiums by 30% to 50%, turning a $700 annual policy into $350 to $490. 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 at claim time. Comparing only prices leads to policies that exclude common claims or carry unaffordable deductibles. These six steps take one to two hours.

Follow the process to get the most budget-friendly motorcycle insurance quotes.

  1. 1
    Compare Quotes from Multiple Providers

    Riders who compare quotes from five insurers save $180 a year compared to those who accept their first quote, enough to cover several tanks of gas or a replacement helmet.

    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 the same protection as 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 higher out-of-pocket costs if you file a claim. 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 a year on a $571 policy, or $7 to $12 a month. Over five years, this saves $430 to $715 on full coverage motorcycle insurance.

    Choose carefully. If you file a claim, you'll pay the first $1,000 yourself before insurance covers anything. If you don't have $1,000 in liquid savings, don't pick a $1,000 deductible just to lower your premium. Match your deductible to your emergency fund so you're not caught short after an accident or theft.

  4. 4
    Calculate Total Out-of-Pocket Exposure

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

    Choose based on total exposure, not just the monthly premium. The higher-premium policy can cost less overall if you actually need to use your insurance.

  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 and evaluate response times, knowledge level and helpfulness. Poor service during shopping often predicts worse service during claims.

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

    Disc locks, GPS trackers and alarm systems cut comprehensive premiums by 5% to 15%, saving $29 to $86 a year on a $571 policy. Garage parking adds another 5% to 10% in savings, worth $29 to $57 a year. Stack both changes and comprehensive costs drop 10% to 25%, or $58 to $143 a year. The devices pay for themselves within one to two years.

    Ask your insurer which devices qualify before buying. Some require specific brands or certified installation to earn the discount. A $200 GPS tracker saving $86 a year breaks even in 2.3 years and adds theft recovery benefits beyond the insurance discount. A $50 disc lock saving $29 a year breaks even in 1.7 years.

  2. 2
    Reduce Your Annual Mileage

    Riders logging under 5,000 miles a year pay 10% to 20% less than high-mileage riders, a savings of $57 to $114 on a $571 policy. That works out to $5 to $10 a month.

    Run the numbers before assuming motorcycle commuting saves money overall. Riding 15,000 miles a year might save $800 in gas compared to driving a car, but the mileage-based premium increase costs $114 a year, cutting net savings to $686. Weekend riders skip this insurance penalty entirely.

  3. 3
    Maintain a Clean Driving Record

    A clean driving record keeps annual premiums at $571. A single violation pushes that to $742 to $958, a $171 to $387 jump. One speeding ticket costs $855 over five years ($171 times 5). One DUI costs $3,870 over 10 years ($387 times 10). This money comes straight out of your monthly budget, year after year.

    Drive defensively and follow traffic laws. A defensive riding course sharpens the skills that prevent accidents and violations in the first place. Weigh any thrill from aggressive riding against thousands of dollars in long-term insurance costs.

  4. 4
    Improve Your Credit Score

    Excellent credit saves 15% to 30% compared to poor credit, or $86 to $171 a year on a $571 policy in most states. Improving credit from poor to excellent saves $860 to $1,710 on motorcycle insurance alone over 10 years, with added savings on auto insurance, home insurance, mortgages and credit cards.

    Check your credit reports annually at AnnualCreditReport.com for free, and dispute any errors right away. Pay bills on time, keep credit utilization below 30% and avoid opening unnecessary accounts. Credit improvement takes six months to two years. California, Hawaii, Massachusetts, Michigan and Washington prohibit or restrict credit-based pricing, so riders in these states won't see this discount.

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 offering poor customer service. Others charge low rates through operational efficiency and competitive pricing in low-risk markets. The cheapest full coverage policy sometimes costs more at claim time if it comes with thin coverage or a slow claims process.

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 often mean the insurer's coverage can't hold up to comparison.
  • Vague Coverage Descriptions: Quality insurers clearly explain what's covered and excluded. Terms like "standard coverage" or "basic protection" without specifics often hide gaps in the policy.
  • Unusually Low Rates Compared to Competitors: A quote 50% or more below every other quote for identical coverage needs a closer look. The insurer might exclude common claims, require unrealistic deductibles or have financial stability problems. Progressive at $368 a year beats the national average of $571 by 35%, which is competitive but not suspiciously low. A quote at $200 a year for the same coverage is a different story.
  • Poor or No Online Presence: Reputable motorcycle insurers maintain professional websites with detailed policy information, customer portals and online claims filing. No online presence often points to a small or unstable operation.
  • Negative Reviews Focused on Claims: Every insurer has some negative reviews, so look for patterns instead. Multiple recent reviews describing denied claims, delayed payments or poor communication are a reason to walk away.

Cheap Full Coverage Motorcycle Insurance: Bottom Line

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

Full coverage costs $223 more a year than minimum coverage: $571 versus $348 nationally. That gap makes full coverage worth it 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. Costs depend on age, riding experience, bike type, location and driving history. Thirty minutes of comparison shopping saves $200 to $400 a year.

Cheapest Comprehensive Motorcycle Insurance: FAQ

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

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, Licensed Insurance Representative and Personal Finance Writer

Rachael Brennan is a licensed insurance agent with over a decade of experience. 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.

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