Who Has the Cheapest Motorcycle Insurance in Kansas?
Progressive has the best cheap motorcycle insurance in Kansas, at $15 per month, on average.
Find Cheap Motorcycle Insurance Quotes in Kansas
Best cheap Kansas motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance in Kansas
Progressive and Dairyland have the cheapest motorcycle insurance in Kansas.
Both companies charge an average of $15 per month for a full coverage policy. That's $10 per month less than the Kansas average.
However, Progressive gets far fewer complaints than Dairyland. And its full coverage policy comes with extra protection. That means you get more for your money with Progressive.
Find Cheap Motorcycle Insurance Quotes in Kansas
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Motorcycle insurance costs an average of $25 per month in Kansas. That's 23% less than the national rate of $32 per month.
Cheapest motorcycle insurance companies in Kansas
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $15 | |
| Progressive | $15 | |
| Harley-Davidson | $22 | |
| Geico | $27 | |
| Nationwide | $34 | |
| Allstate | $35 | |
Best motorcycle insurance for most people: Progressive
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Editor's rating
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Cost: $15/month
Overview
Pros/Cons
Progressive's cheap rates and extensive coverage make it the best option for most riders in Kansas.
Overview
Progressive's cheap rates and extensive coverage make it the best option for most riders in Kansas.
Pros/Cons
Pros:
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Cheap rates
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Good customer service
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Full coverage includes extra protection
Cons:
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Doesn't sell rental reimbursement
Progressive's cheap rates and extensive coverage make it the best option for most riders in Kansas.
Pros:
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Cheap rates
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Good customer service
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Includes extra coverage with a base policy
Cons:
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Doesn't sell rental reimbursement
A policy from Progressive is $10 per month cheaper than the state average. It matches Dairyland for the cheapest rates in Kansas. But Progressive's full coverage policies have more protection, and it offers better customer service.
Progressive motorcycle policies with comprehensive and collision coverage automatically include:
- Coverage for up to $3,000 in custom parts and accessories
- Original manufacturer parts (OEM) coverage
- Replacement cost coverage for parts
However, Progressive doesn't offer rental reimbursement coverage. If your motorcycle is your main vehicle and you can't afford to rent another one if yours is damaged, Dairyland may be a better choice.
Progressive customers are typically happy with its customer service. The company gets about 31% fewer complaints than average insurance companies its size. This means you'll likely have an easier time making changes to your policy, asking questions about your bill or filing a claim.
Best for daily riders: Dairyland
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Editor's rating
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Cost: $15/month
Overview
Pros/Cons
Dairyland has some of the cheapest rates in Kansas, and it offers important coverage add-ons if your motorcycle is your main vehicle.
Overview
Dairyland has some of the cheapest rates in Kansas, and it offers important coverage add-ons if your motorcycle is your main vehicle.
Pros/Cons
Pros:
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Low rates
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Sells rental reimbursement and roadside assistance
Cons:
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Poor customer service in Kansas
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Can't bundle with home or renters
Dairyland has some of the cheapest rates in Kansas, and it offers important coverage add-ons if your motorcycle is your main vehicle.
Pros:
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Low rates
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Helpful coverage options for daily riders
Cons:
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Poor customer service in Kansas
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Can't bundle with home or renters
Dairyland has the best motorcycle insurance if you rely on your motorcycle to get to work or run errands. That's because it offers both rental reimbursement coverage and roadside assistance.
- Rental reimbursement helps pay for a rental car while your motorcycle is in the shop after an accident.
- Roadside assistance pays for emergency services if your bike breaks down on the side of the road. At Dairyland, this includes 24/7 towing, fuel, oil and fluid delivery, a jump start, flat tire replacement or locksmith services.
If you can afford a rental vehicle after a crash, you're probably better off choosing Progressive.
That's because Dairyland doesn't have great customer service in Kansas. It gets 49% more complaints than an average insurance company its size. Most complaints are about Dairyland's slow claims process, so it may take longer to fix your bike after an accident.
Best discounts: Harley-Davidson
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Editor's rating
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Cost: $22/month
Overview
Pros/Cons
Harley-Davidson has plenty of discounts to help you lower your monthly rate.
Overview
Harley-Davidson has plenty of discounts to help you lower your monthly rate.
Pros/Cons
Pros:
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Affordable quotes
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Lots of discounts
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Many coverage extras
Cons:
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Lots of customer complaints
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Can't bundle with auto, home or renters
Harley-Davidson has plenty of discounts to help you lower your monthly rate.
Pros:
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Lots of discounts
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Many coverage extras
Cons:
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Not the cheapest option
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Lots of customer complaints
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Can't bundle with auto, home or renters
Full coverage motorcycle insurance from Harley-Davidson costs $22 per month. While that's $3 per month less than the state average, it's $7 per month more than the cheapest companies.
However, Harley-Davidson offers lots of discounts to help lower your insurance bill. You can get a cheaper rate if you're a member of the Harley Owners Group (H.O.G.), you have more than one motorcycle or you don't have any accidents or tickets.
But Harley-Davidson doesn't sell auto, home or renters insurance. That means you can't get a discount for bundling your policies. If you prefer to keep all your insurance policies with one company, Harley-Davidson isn't a good option.
Harley also has good coverage add-ons to upgrade your protection. For an extra fee, you can add rental reimbursement, which pays to rent a bike if yours is damaged, or extra coverage for safety apparel like armored jackets, among other things.
Kansas motorcycle insurance cost by city
Multiple cities — including Wichita, Overland Park and Shawnee — have the highest rates for motorcycle insurance among Kansas' larger cities.
People who live in these areas typically pay around $29 per month for a full coverage policy.
If you live in a more rural area, like Garden City, Hays or Liberal, you'll pay much lower rates. These areas average just $20 per month for the same coverage.
Typically, larger cities have higher rates since it's more likely that you'll get into an accident in those areas.
Average cost of motorcycle insurance in Kansas by city
City | Monthly cost | % from average |
|---|---|---|
| Derby | $22 | -10% |
| Dodge City | $22 | -10% |
| Emporia | $23 | -8% |
| Garden City | $20 | -21% |
| Hays | $20 | -21% |
Motorcycle laws in Kansas
To ride your motorcycle legally in Kansas, you need to have an insurance policy with at least the state's required limits, which are often written as 25/50/20.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000
- Uninsured and underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
While Kansas requires personal injury protection (PIP) for automobiles, motorcycle owners can choose not to get this coverage.
However, you may want to consider keeping PIP coverage, as it pays for your injuries and other costs if you're in an accident, even if you weren't at fault.
If you don't want personal injury protection, you'll need to reject it in writing. Otherwise, you must have at least the following PIP limits:
- Medical expenses: $4,500 per person
- Disability and loss of income: $900 per month for one year
- In-home services: $25/day
- Funeral, burial or cremation costs: $2,000
- Rehab costs: $4,500
Frequently asked questions
What's the best motorcycle insurance in Kansas?
For most riders in Kansas, Progressive has the best motorcycle insurance. The company has cheap rates and good customer service, and it includes several coverages in its base policy that other companies charge for. Harley-Davidson is a good option for discounts, and Dairyland is good if you are on a tight budget.
How much is motorcycle insurance in Kansas?
Motorcycle insurance costs $25 per month in Kansas, on average. Rates change based on where you live, what company you choose, your driving history, what kind of motorcycle you have and how old you are. The best way to find the cheapest motorcycle insurance in Kansas is to compare quotes.
Is motorcycle insurance required in Kansas?
Yes, you must have motorcycle insurance to ride legally in Kansas. You have to have a policy with at least $25,000 of bodily injury liability coverage per person and $50,000 per accident. You must also have $20,000 of property damage liability coverage.
Methodology
To find the best cheap motorcycle insurance in Kansas, ValuePenguin collected 154 motorcycle insurance quotes from 22 cities in Kansas. Quotes are for a 2018 Honda CMX500 Rebel owned and ridden by a 45-year-old single man.
Rates are for full coverage insurance, which has higher liability limits compared to the state minimum. It also includes 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
- Personal injury protection: $4,500 per person for medical payments and other required limits
- 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.