Who Has The Cheapest Motorcycle Insurance In Delaware?
Harley-Davidson is the cheapest motorcycle insurance in Delaware, with an average rate of $23 per month
Find Cheap Motorcycle Insurance Quotes in Delaware
Best cheap motorcycle insurance in Delaware
How we chose the top companies
Cheapest motorcycle insurance in Delaware
Harley-Davidson has the cheapest motorcycle insurance in Delaware, at $23 per month, on average.
That's roughly 38% less than the Delaware state average of $37 per month.
Find Cheap Motorcycle Insurance Quotes in Delaware
Dairyland and Progressive also have cheap rates, at an average of $25 and $27 per month, respectively. You can lower your monthly costs even more by taking advantage of one or more discounts.
Cheapest motorcycle insurance companies in DE
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson Insurance | $23 | |
| Dairyland | $25 | |
| Progressive | $27 | |
| Allstate | $41 | |
| Geico | $42 | |
| Nationwide | $63 | |
Best for most people: Dairyland
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Editor's rating
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Cost: $25/month
Overview
Pros/Cons
Dairyland has the best motorcycle insurance in Delaware because of its cheap rates, good customer service and many coverage extras and discounts.
Overview
Dairyland has the best motorcycle insurance in Delaware because of its cheap rates, good customer service and many coverage extras and discounts.
Pros/Cons
Pros:
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Cheap rates
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Good customer service
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Many coverage extras and discounts
Cons:
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Expensive car insurance makes it a poor choice for bundling
Dairyland has the best motorcycle insurance in Delaware because of its cheap rates, good customer service and many coverage extras and discounts.
Pros:
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Cheap rates
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Good customer service
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Many coverage extras and discounts
Cons:
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Expensive car insurance makes it a poor choice for bundling
Dairyland charges the second-cheapest average rates among large motorcycle insurance companies in Delaware, at $25 per month. That's roughly one-third less than the Delaware state average.
The company also has a strong reputation for customer service, getting less than half as many complaints as an average company its size.
Dairyland offers a range of coverage extras you can use to personalize your policy, such as roadside assistance, rental reimbursement and guest passenger liability.
Dairyland has expensive rates for auto insurance. That makes it a poor choice if you want to bundle your coverage.
Best for touring and commuting: Harley-Davidson
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Editor's rating
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Cost: $23/month
Overview
Pros/Cons
Harley-Davidson is a good choice for riders who use their motorcycle for daily commuting or longer trips.
Overview
Harley-Davidson is a good choice for riders who use their motorcycle for daily commuting or longer trips.
Pros/Cons
Pros:
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Roadside assistance and rental coverage available
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Cheapest rates in Delaware
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Many discount options
Cons:
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Doesn't sell home or auto insurance
Harley-Davidson is a good choice for riders who use their motorcycle for daily commuting or longer trips.
Pros:
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Roadside assistance and rental coverage available
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Cheapest rates in Delaware
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Many discount options
Cons:
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Doesn't sell home or auto insurance
Harley-Davidson lets you customize your policy with coverage add-ons that help you if your motorcycle breaks down or you need insurance while traveling.
- Roadside assistance helps you out if your motorcycle breaks down while you're driving.
- Rental coverage available lets you extend your normal motorcycle insurance to a rental bike.
The company also charges the cheapest average rates in Delaware, at $23 per month. That's significantly less than the state average.
You can lower your monthly rate even further by taking advantage of one or more discounts, such as completing a safety course, going a certain amount of time without filing a claim or owning a home.
Harley-Davidson doesn't sell home or auto insurance. That means you can get a bundling discount only if you buy a Harley-Davidson motorcycle maintenance plan.
Best for bundling: Progressive
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Editor's rating
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Cost: $27/month
Overview
Pros/Cons
Progressive lets you personalize your motorcycle insurance with many coverage extras.
Overview
Progressive lets you personalize your motorcycle insurance with many coverage extras.
Pros/Cons
Pros:
-
Cheap rates
-
Good customer service
-
Many coverage extras and discounts
Cons:
-
Expensive car insurance makes it a poor choice for bundling
Progressive lets you personalize your motorcycle insurance with many coverage extras.
Pros:
-
Cheap rates
-
Good customer service
-
Many coverage extras and discounts
Cons:
-
Expensive car insurance makes it a poor choice for bundling
Progressive offers many coverage options that you can use to personalize your motorcycle insurance. For example, you can get insurance for personal items that may get damaged while you're riding, called carried contents coverage.
With a Progressive motorcycle policy, you'll also get several types of coverage for free that would normally cost extra. Progressive motorcycle insurance comes standard with full replacement cost for parts. That means your Progressive policy will cover the entire cost to fix your bike without taking wear and tear into consideration.
Progressive also has a good reputation for customer satisfaction. It gets fewer complaints than an average company its size, and the company scores above average for customer satisfaction, according to a recent J.D. Power study.
Progressive doesn't offer coverage that will pay for a rental motorcycle after an accident. That makes it a poor choice if you need your bike for daily tasks such as commuting.
Delaware motorcycle insurance costs by city
Riders in Elsmere and Wilmington pay the highest motorcycle insurance rates in Delaware, at $43 per month, on average.
Dover, despite being the second-largest city by population, has fairly average rates. Smaller cities such as Bridgeville and Lewes have some of the lowest rates. That's possibly because you're less likely to get into an accident in areas with fewer people.
Average motorcycle insurance cost in DE by city
City | Monthly cost | % from average |
|---|---|---|
| Bridgeville | $34 | -8% |
| Camden | $35 | -4% |
| Claymont | $40 | 9% |
| Clayton | $37 | 0% |
| Delaware City | $40 | 7% |
Delaware motorcycle insurance requirements
To ride your motorcycle legally, you have to have an insurance policy with at least enough coverage to satisfy Delaware's insurance laws. These limits are usually written as 25/50/10.
- Bodily injury liability (per person): $25,000
- Bodily injury liability (per accident): $50,000
- Property damage liability: $10,000
- Personal injury protection (per person): $15,000
- Personal injury protection (per accident): $30,000
You can't buy an insurance policy with limits lower than these. But it often makes sense to buy policies with higher limits. The more coverage you have, the less you have to pay out of your own pocket if you get into an accident.
PIP coverage can be very expensive for motorcycles, so many companies will allow you to carry $15,000 with a $15,000 deductible. That essentially allows you to waive the coverage.
Frequently asked questions
Who has the cheapest motorcycle insurance in Delaware?
Harley-Davidson sells the cheapest motorcycle insurance in Delaware. A policy costs $23 per month, on average, and the company has many extra coverage options that you can add to build a more personalized policy.
How much is motorcycle insurance in Delaware?
Motorcycle insurance costs an average of $37 per month in Delaware. You can get a cheaper policy from Harley-Davidson, Dairyland, Progressive or USAA.
Do you need motorcycle insurance in Delaware?
Yes, Delaware requires that you have a policy with at least 25/50/10 coverage. That means $25,000 in bodily injury per person, $50,000 bodily injury per accident and $10,000 in property damage coverage.
You also have to have at least $15,000 per person and $30,000 per accident in personal injury protection coverage.
Methodology
To find the best cheap motorcycle insurance in Delaware, ValuePenguin collected 175 quotes from the largest cities across DE. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
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.