The cheapest motorcycle insurance in Kentucky is offered by Progressive, at a typical price of $551 per year. That's 39% less than the state average of $908 per year.
Progressive also has a great selection of coverage options and well-rated customer service, making it our top recommendation in Kentucky.
Compare Motorcycle Quotes in Kentucky
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 nearly 200 quotes from across the state to identify the top insurers to fit your needs.
Best motorcycle insurance for most people: Progressive
At just $551 per year, *rogressive's rate is the best we found in Kentucky. It's $105 cheaper than the second-cheapest option and 39% less than the state average. As a major home and auto insurer, it also offers discounts for things like bundling multiple policies.
Furthermore, Progressive has great coverage options available. For example, it offers replacement cost coverage on new motorcycles, so if your bike is destroyed in the first few years after you buy it, Progressive will pay for you to get a brand-new replacement.
It also offers protection for carried contents and accessories, and it includes guaranteed original equipment manufacturer (OEM) parts for repairs, too.
Customer service at Progressive is rated slightly better than average. It has a complaint index of 0.82 from the National Association of Insurance Commissioners (NAIC), meaning it's received only 82% as many complaints as a typical company when adjusted for size. This suggests customers are slightly more likely to be satisfied with their service at Progressive than at an average insurer.
Best customer service: Nationwide
For riders focused on great customer service in addition to affordable rates, we recommend Nationwide. It has the best-rated customer service of any insurer we looked at, with an NAIC complaint index of 0.53. That means it's received only 53% as many complaints as you'd expect given its size, and it suggests that people tend to be happy with their nationwide service.
Nationwide's rate for coverage is cheaper than average, at $756 per year. That's $152 less than the state's average price but $205 more annually than our top pick.
Finally, Nationwide's coverage options are good but not as robust as Progressive's. Nationwide offers a few coverage options we like, such as an OEM parts guarantee and custom equipment coverage but lacks anything to set it apart from the competition.
Best for daily commuters: Dairyland
Motorcyclists who ride their bike every day have different coverage needs from hobbyist riders because they depend on their motorcycle as their primary means of transportation.
Dairyland has the best coverage options for daily motorcycle commuters. Most importantly, it offers rental reimbursement coverage if your motorcycle is damaged in a crash, so you won't be without a vehicle while it's being repaired.
It also offers replacement vehicle coverage and roadside assistance, plus extra coverage for any special equipment you carry.
However, Dairyland is more expensive than our other picks. At $845 per year, it's only $63 cheaper than the state average overall and $294 more than our top choice, Progressive.
The biggest downside is Dairyland's poor customer service ratings. It has an NAIC complaint index of 2.69, which means that it's received 169% more complaints than you'd expect, given its size. It suggests Dairyland customers are much more likely to be dissatisfied with the service they receive.
Best-rated Kentucky motorcycle insurers
Finding an affordable rate for motorcycle insurance is important, but an insurer you can count on matters too. We found the best-rated motorcycle insurance companies in Kentucky are Nationwide, Geico and Progressive. These major insurers had the best overall ratings in the NAIC complaint index, as well as solid AM Best financial strength ratings.
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 higher AM Best grade is in a better position to pay out claims, even in tough economic conditions.
Cheapest motorcycle insurance companies in Kentucky
The average cost of motorcycle insurance in Kentucky is $908 per year, but we found the best rates at Progressive and Geico. Progressive is the cheapest option overall at just $551 annually, and Geico costs about $100 more at $656.
Compare Motorcycle Quotes in Kentucky
Average annual cost
Kentucky motorcycle insurance cost by city
The cost of motorcycle insurance varies greatly. You might pay more for coverage if your city has a lot of motorcycle theft or if poorly maintained roads lead to a lot of crashes.
Here's how insurance rates compare by city in Kentucky.
Difference from statewide average
Kentucky motorcycle insurance requirements
You're required to carry motorcycle insurance in order to ride a motorcycle in the state of Kentucky. This includes bodily injury and property damage liability coverage. The minimum limits are as follows:
- $25,000 in bodily injury liability insurance per person
- $50,000 in bodily injury liability insurance per accident
- $25,000 in property damage liability insurance per accident
Note that unlike for a car, you're not required to carry personal injury protection for a motorcycle in Kentucky.
We collected motorcycle insurance quotes from six major motorcycle insurance companies that operate in Kentucky: Allstate, Dairyland, Geico, Markel, 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