Who Has the Cheapest Motorcycle Insurance in Iowa?
Progressive offers the cheapest motorcycle insurance in Iowa, at $13 per month, on average.
Find Cheap Motorcycle Insurance Quotes in Iowa
Best cheap motorcycle insurance in Iowa
How we chose the top companies
Cheapest motorcycle insurance in Iowa
Progressive has the cheapest motorcycle insurance in Iowa for most people, at $13 per month, on average.
Find Cheap Motorcycle Insurance Quotes in Best bundling discount
Allstate and Geico also have affordable rates, at an average cost of $14 per month. That's roughly one-fifth less than the state average.
Cheapest motorcycle insurance companies in IA
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $13 | |
| Allstate | $14 | |
| Geico | $14 | |
| Dairyland | $15 | |
| Harley-Davidson | $16 | |
| Nationwide | $29 | |
Best for most people: Progressive
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Editor's rating
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Cost: $13/month
Overview
Pros/Cons
Progressive offers cheap rates, good service and many coverage extras.
Overview
Progressive offers cheap rates, good service and many coverage extras.
Pros/Cons
Pros:
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Cheapest rates for most people
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Many coverage options and discounts
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Good customer satisfaction
Cons:
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No rental reimbursement
Progressive offers cheap rates, good service and many coverage extras.
Pros:
-
Cheapest rates for most people
-
Many coverage options and discounts
-
Good customer satisfaction
Cons:
-
No rental reimbursement
Progressive offers the cheapest rates for most Iowa motorcycle riders. The company charges an average of $13 per month for a full coverage policy. That's nearly a quarter less than the Iowa state average.
Progressive also has a strong reputation for customer service. It gets significantly fewer complaints than an average company its size.
All Progressive motorcycle policies will pay the full cost to replace your motorcycle and its parts with what's called full-replacement cost coverage. Many companies will only pay you what the bike is worth today, factoring in wear and tear.
Plus, all Progressive motorcycle insurance policies come standard with $3,000 of coverage for custom parts and accessories, and coverage that pays to fix your bike with parts from the original manufacturer.
You can personalize your policy even more with a range of policy add-ons. For example, you can get extra coverage for items that you carry with you while riding. You can also get coverage for extra costs that you have to pay if your motorcycle breaks down, called trip interruption insurance.
Best for bundling: Allstate
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Editor's rating
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Cost: $14/month
Overview
Pros/Cons
Allstate offers a generous discount if you bundle your motorcycle insurance with an auto or home policy.
Overview
Allstate offers a generous discount if you bundle your motorcycle insurance with an auto or home policy.
Pros/Cons
Pros:
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Good bundling discount
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Many coverage extras
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Cheap rates
Cons:
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Average customer service
Allstate offers a generous discount if you bundle your motorcycle insurance with an auto or home policy.
Pros:
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Good bundling discount
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Many coverage extras
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Cheap rates
Cons:
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Average customer service
Allstate offers the best bundling discount among large insurance companies in Iowa. Bundling your motorcycle and home or auto insurance can help you save on your monthly rate. Plus, you only need to deal with a single company when filing a claim.
You can lower your monthly rate even more by taking advantage of other Allstate discounts, such as those for riders who complete a qualifying safety course or who pay for their entire policy in full at the start of the coverage term.
Allstate also charges cheap base rates with an average cost of $14 per month. That makes Allstate the second cheapest motorcycle insurance company in Iowa.
Best for touring: Harley-Davidson
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Editor's rating
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Cost: $16/month
Overview
Pros/Cons
Harley-Davidson offers extra coverage for riders away from home.
Overview
Harley-Davidson offers extra coverage for riders away from home.
Pros/Cons
Pros:
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Good coverage for road trips
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Many policy add-ons and discounts
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Affordable rates
Cons:
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Can't bundle with home or auto insurance
Harley-Davidson offers extra coverage for riders away from home.
Pros:
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Good coverage for road trips
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Many policy add-ons and discounts
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Affordable rates
Cons:
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Can't bundle with home or auto insurance
Harley-Davidson is a good choice for riders who go on long trips or rely on their bikes for daily riding. The company offers vacation rental insurance that lets you use your regular coverage to protect a rental bike. Plus, you can get extra coverage that will pay to rent a replacement bike after an accident or breakdown.
The company charges slightly cheaper-than-average rates, at $16 per month. You'll pay even less for motorcycle insurance if you qualify for one or more discounts, such as those for Harley Owners Group members or riders who've completed a qualifying safety course.
Harley-Davidson doesn't sell auto or home insurance. That means you can't get a bundling discount. But, you may qualify for a multi-cycle discount if you insure one or more motorcycles through the company.
Iowa motorcycle insurance cost by city
Des Moines has the most expensive motorcycle insurance among Iowa's larger cities and towns, at $22 per month, on average.
Average motorcycle insurance cost in IA by city
City | Monthly cost | % from average |
|---|---|---|
| Altoona | $16 | -2% |
| Ames | $17 | 1% |
| Bettendorf | $19 | 13% |
| Boone | $16 | -7% |
| Burlington | $16 | -6% |
The cost of motorcycle insurance depends, in part, on where you live. You might pay more if you live in an area with a lot of motorcycle theft or a city with a lot of crashes.
Iowa motorcycle insurance laws
You need to have motorcycle insurance to ride on public roads in Iowa. This requirement is sometimes written as 20/40/15, the same as the requirements for car insurance.
- Bodily injury liability: $20,000 per person and $40,000 per accident
- Property damage liability: $15,000 per accident
Frequently asked questions
Who has the cheapest motorcycle insurance in Iowa?
Progressive has the cheapest motorcycle insurance for most Iowa riders, at an average of $13 per month. The company also has good customer service and many coverage extras and discounts.
How much is motorcycle insurance in Iowa?
Motorcycle insurance in Iowa costs $17 per month for a full coverage policy, on average. That makes Iowa the cheapest state in the country for motorcycle insurance.
Do you need insurance on a motorcycle in Iowa?
Yes, you need $20,000 of bodily injury liability insurance per person, $40,000 per accident and $15,000 of property damage liability to ride legally in Iowa. However, it's a good idea to have a higher level of coverage, called a full coverage policy.
Methodology
To find the best cheap motorcycle insurance in Iowa, ValuePenguin collected more than 350 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy. It includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $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.