Who Has the Cheapest Motorcycle Insurance in Indiana?

Who Has the Cheapest Motorcycle Insurance in Indiana?

The typical price for motorcycle insurance in Indiana is $577 per year, but we found the best price at Nationwide.

Nationwide's average rate was just $442 per year, offering a 23% savings overall.

Compare Motorcycle Insurance Quotes in Indiana

Currently insured?

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 300 quotes from across the state to identify the top insurers to fit your needs.

Best motorcycle insurance for most riders: Nationwide

Nationwide has the best prices statewide, plus good customer service and coverage options.
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Nationwide is our motorcycle insurance recommendation for most riders in Indiana. It has the lowest price overall, as well as better-than-average customer service and coverage options.

The typical price of motorcycle insurance from Nationwide is just $442 per year in Indiana. That's 23% cheaper than the average we found statewide, and represents a savings of $136. And as a major home and auto insurer, Nationwide also offers bundling discounts for combining policies.

Nationwide has good customer service, too. It has a Complaint Index from the National Association of Insurance Commissioners (NAIC) of 0.87, meaning it received only 87% as many complaints as a typical insurer, relative to its size.

We thought Nationwide's coverage options were good, but not industry-leading. It offers OEM parts coverage and protection for custom equipment, but lacks things like rental reimbursement coverage.

Best for great customer service: Geico

Geico has the best customer service of any motorcycle insurer we reviewed in Indiana, plus affordable rates.
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Riders who value a strong customer service experience should look at Geico. It had the best customer service scores of any company we looked at, with an impressively low NAIC Complaint Index of 0.67. This means it received only 67% as many complaints as you would expect, given its size, and suggests that customers tended to be satisfied with the service they received.

Geico offered great rates, too. Its typical price statewide was $482 per year, only $40 more than the absolute cheapest option. That puts it $95 cheaper per year than the average price we found across all insurers.

The one place Geico falls short is its coverage options. It lacks a lot of optional protections riders may prefer for their motorcycles, such as coverage for OEM parts, carried contents coverage or accident forgiveness. It does offer roadside assistance and accessories coverage, though.

Best for coverage options: Progressive

Progressive has the best coverage options available in Indiana, while still offering better-than-average rates and customer service.
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Riders who have a high-end motorcycle or use their bikes for touring may find the extra coverages they need at Progressive. It had the most impressive range of coverage options we found statewide, including coverage for custom parts and accessories, guaranteed OEM parts replacement and carried contents coverage.

Progressive was also the only insurer we considered that offered trip interruption coverage, which reimburses you for expenses like lodging if you're in a crash while on a long-distance trip.

Customers can expect good customer service at Progressive. Its NAIC Complaint Index was 0.72, meaning that people filed complaints 72% as often as a typical insurer, when controlling for size.

We found Progressive's rates to be slightly better than average — $536 per year, or $41 less than the typical price statewide. Insurance shoppers looking for the absolute best price will likely be better off looking elsewhere, though you may be able to bring your price down by bundling with home or auto coverage.

Best-rated Indiana motorcycle insurers

Having a motorcycle insurer you can trust is just as important as finding a great deal on coverage. Overall, we were most impressed with Geico and Progressive's service in Indiana, based on their NAIC Complaint Index and AM Best Financial Strength Rating.

Insurer
NAIC Complaint Index
AM Best rating
Allstate0.87A+
Dairyland2.69A+
Geico0.67A++
Nationwide0.85A+
Progressive0.72A+

NAIC combines car and motorcycle insurance into a single industry category. This means the 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. Two important ways we measure a company's level of service are the Complaint Index issued by the National Association of Insurance Commissioners (NAIC) and the company's AM Best Financial Strength Rating.

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 Indiana

While the average price for motorcycle insurance in Indiana is $577, some insurers charge much less than others. The cheapest option is Nationwide, which quoted an average rate of just $442 per year. That's 23% less than the typical price statewide, and $40 cheaper than the second-cheapest option, Geico.

A graph of the lowest motorcycle insurance rates in Indiana

Compare Motorcycle Insurance Quotes in Indiana

Currently insured?
Insurer
Annual price
Nationwide$442
Geico$482
Progressive$536
State average$577
Allstate$584
Dairyland$843

Indiana motorcycle insurance cost by city

The cost of motorcycle insurance varies depending on where you live. If you live in an area with a high rate of motorcycle theft, or if roads near you are poorly maintained, you may pay more for insurance than you would otherwise.

Here's how major cities in Indiana compare:

City
Annual rate
% from statewide average
State average$577
Anderson$556-3.6%
Carmel$568-1.6%
Fishers$568-1.6%
Frankfort$544-5.8%
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Indiana motorcycle insurance requirements

Motorcycle insurance policies in Indiana must have at least a certain level of coverage, including liability protection for both bodily injury and property damage. The minimum limits are:

Coverage
Limits
Bodily injury liability (per person)$25,000
Bodily injury liability (per accident)$50,000
Property damage liability$25,000

Methodology

We collected motorcycle insurance quotes from five major motorcycle insurance companies that operate in Indiana: Allstate, Dairyland, Geico, Nationwide and Progressive. Our sample rider was 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.