Who Has The Cheapest Motorcycle Insurance Quotes In Delaware?

Who Has The Cheapest Motorcycle Insurance Quotes In Delaware?

Motorcycle riders in Delaware can expect to pay an average of $797 per year for motorcycle insurance. But insurance shoppers can find much better rates at Geico, which charged an average of $541 per year — 32% less than the typical rate statewide.

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Motorcycle insurance doesn't just fulfill a legal requirement — it also protects you as a rider and the bike in which you've invested time and money. We gathered more than 100 quotes from across the state to find the top insurers to fit your needs.

Best motorcycle insurance for most people: Nationwide

Nationwide has great rates and dependable service, making it our top choice in Delaware.
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Nationwide has the best mix of affordable rates, discounts and great service of any motorcycle insurer in Delaware, so we recommend it as the best choice for most people.

Nationwide's typical price for a year of coverage is $682, which is 14% cheaper than the average rate we saw overall.

Riders may be able to secure a lower rate by taking advantage of Nationwide's plentiful discounts, including bundle discounts for home and auto, as well as savings for things like taking a safety course.

We found that Nationwide has dependable customer service, too. It has an impressively low Complaint Index of 0.61 from the National Association of Insurance Commissioners (NAIC). That means Nationwide has just 61% as many complaints as a typical insurer of its size, and suggests that customers tend to be happy with the service they receive.

Best for lowest rates: Geico

Geico has the absolute lowest rates of any motorcycle insurer we reviewed in Delaware.
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For motorcyclists focused on affordable rates above all else, we recommend Geico. Its price of $541 per year was the lowest we found of any company in the state — $141 cheaper than Nationwide, the second-cheapest option, and 32% less than the average price statewide.

However, Geico didn't have as many opportunities for discounts as Nationwide, nor did it have as many coverage options — so riders looking for all-inclusive coverage may want to look elsewhere.

Best for motorcycle-specific coverage: Markel

Markel has affordable prices and a good range of motorcycle-specific coverage options.
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Riders who want a strong selection of motorcycle-specific benefits at an affordable price should look at Markel. This specialty insurer has a range of specialized coverage options like trailer coverage and bike rental reimbursement, which you may not be able to find at a larger insurer.

Markel was also on the affordable side: its average price for a year of coverage was $691. That's $106 cheaper than the average price we found statewide.

The main drawback to Markel is that as a specialty insurer, it doesn't sell standard auto or homeowners insurance. You may miss out on the possibility of a bundling discount, as well as the convenience of only having to manage one bill.

Best-rated Delaware motorcycle insurers

It's important to find a great deal on motorcycle insurance, but it's just as important to find an insurer with great service, too. We evaluate customer service of motorcycle insurers based on two key factors: their NAIC Complaint Index and their AM Best Financial Strength Rating.

Insurer
NAIC Complaint Index
AM Best rating
Allstate0.87A+
Geico0.67A++
Markel0.00A
Nationwide0.61A+
Progressive0.82A+

*Markel is a much smaller insurer than the other companies listed, so its low Complaint Index may be due to a smaller sample size.

NAIC combines car and motorcycle insurance into a single industry category. This means scores are based on each company's combined premiums for motorcycles and cars.

Quality of customer service is an important part of your experience with a motorcycle insurance company and should be factored into your purchase decision.

The NAIC Complaint Index compares a company's number of complaints with its share of the market. Lower numbers indicate better performance, and the average score is 1.0. A company with a better AM Best rating is in a better position to pay out claims, even in tough economic conditions.

Cheapest motorcycle insurance companies in Delaware

While the average cost of motorcycle insurance in Delaware is $797 per year, not every insurer offers the same rates. Among the five companies we looked at, Geico offered the best price, at $541 for a year of coverage. That's 32% cheaper than average.

A graph of the lowest motorcycle insurance rates in Delaware

Compare Motorcycle Insurance Quotes in Delaware

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Delaware motorcycle insurance costs by city

The cost of motorcycle insurance varies based on your location. For example, if your city has high rates of motorcycle theft or narrow, bumpy roads, you may see higher rates on your bill than in other cities.

Here's a full breakdown of the cost of motorcycle insurance by city.

City
Annual rate
% difference from statewide average
State average$797
Bridgeville$782-1.9%
Camden$782-1.9%
Cheswold$8071.3%
Claymont$8071.3%
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Delaware motorcycle insurance requirements

Delaware motorcycle riders are required to carry a certain amount of insurance for their motorcycle in order to register it with the state or drive it on public roads.

Coverage
Limits
Bodily injury liability (per person)$25,000
Bodily injury liability (per accident)$50,000
Property damage liability$10,000
Personal injury protection$15,000*

*PIP coverage can be very expensive for motorcycles, so many insurers will allow you to carry $15,000 with a $15,000 deductible — essentially allowing you to waive the coverage.

Methodology

We collected motorcycle insurance quotes from five major motorcycle insurance companies that operate in Delaware: Progressive, Nationwide, Geico, Markel and Allstate. Our sample rider is a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we used, which surpass the state minimums, are:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000
  • Collision: Included/$500 deductible
  • Comprehensive: Included/$500 deductible
  • All other coverages: Not included unless legally required

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.