The Best Cheap Motorcycle Insurance in Kentucky
Dairyland has the best cheap motorcycle insurance in Kentucky, at $22 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Kentucky
Best cheap KY motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance companies in Kentucky
Dairyland has the cheapest motorcycle insurance in Kentucky.
With an average rate of $22 per month, full coverage motorcycle insurance from Dairyland costs less than one-third of the Kentucky state average.
Find Cheap Motorcycle Insurance Quotes in Kentucky
Kentucky has the most expensive average motorcycle insurance in the U.S., with an average rate of $71 per month. That's more than double the national average, which is $32 per month.
Cheap motorcycle insurance quotes in Kentucky
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $22 | |
| Harley-Davidson | $29 | |
| Geico | $45 | |
| Progressive | $69 | |
| Allstate | $119 | |
| Nationwide | $139 | |
Best motorcycle insurance for most people: Dairyland
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Editor's rating
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Cost: $22/month
Overview
Pros/cons
Dairyland's cheap rates and useful coverage add-ons make it the best choice for most people.
Dairyland has the cheapest motorcycle insurance in Kentucky. At just $22 per month, it's less than a third of the average cost of motorcycle insurance in Kentucky.
Dairyland offers extra coverage benefits that are helpful if your motorcycle is your main vehicle. For example, you can add rental reimbursement and roadside assistance. These coverages can help keep your life on track if you're in an accident or your bike breaks down.
However, Dairyland doesn't offer as many coverage add-ons as other companies.
If you need more protection or regularly travel with your bike, you should consider Harley-Davidson or Progressive.
The major drawback to working with Dairyland is its poor customer service in Kentucky. The company gets 49% more complaints than an average company its size. Most complaints are about Dairyland's lengthy claims process. That means it could take longer to fix your motorcycle after a crash.
Best discounts: Harley-Davidson
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Editor's rating
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Cost: $29/month
Overview
Pros/cons
Harley-Davidson offers lots of discounts, along with numerous ways to customize your policy.
Harley-Davidson has some of the cheapest motorcycle insurance rates in Kentucky. It costs around $29 per month on average, which is less than half the state average.
In addition to its cheap rates, Harley-Davidson offers lots of ways to lower your motorcycle insurance bill.
Some discounts are very easy to qualify for, like discounts for paying your bill on time or owning a home. If you can qualify for a handful of Harley's discounts, it may be the cheapest option for you. Discounts include:
- Motorcycle endorsement
- Homeowners
- Pay on time
- New bike
- Harley Owners Group member
- Experienced rider
- H-D Riding Academy course
- Multicycle
- Anti-theft device
- Military and law enforcement
- Bundled protection
Harley-Davidson also offers lots of ways to upgrade your coverage, especially for people who travel often. For example, you can add on trip interruption, which pays for extra nights in a hotel and additional food costs if your bike breaks down while on a road trip. You can also extend your coverage to protect you while renting a motorcycle on vacation.
However, Harley-Davidson gets a lot more complaints than similar insurance companies. That means it may take longer to get back on the road after a crash.
Best for customizable coverage: Progressive
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Editor's rating
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Cost: $69/month
Overview
Pros/cons
Progressive's full coverage policy comes with extra coverage, and it offers lots of ways to upgrade your protection.
Progressive is a great choice if you're looking for extra protection for your motorcycle.
Riders who add collision and comprehensive coverage to their policy automatically get:
- Full replacement cost for parts. This means Progressive will pay enough to replace any damaged parts with brand-new ones, regardless of any wear and tear before your accident.
- Original equipment manufacturer (OEM) parts coverage. This guarantees Progressive will fix your motorcycle using parts from the original manufacturer, instead of cheaper aftermarket parts.
- Up to $3,000 in custom parts coverage. This includes things like a custom saddle, handlebars or an aftermarket stereo.
Other companies typically charge extra for these coverages.
Progressive also offers more coverage options than most other motorcycle insurance companies in Kentucky. For example, you can add roadside assistance for an extra fee.
Although Progressive motorcycle insurance is typically $2 per month less than the Kentucky average, it costs three times more than the cheapest company, Dairyland.
Fortunately, Progressive offers lots of ways to lower your rate with discounts.
Some of its discounts are very easy to get, including a discount for switching from another motorcycle insurance company, having a valid motorcycle license or endorsement, and getting a quote one day before your policy start date. You can also typically earn a notable discount for bundling your motorcycle and auto insurance with Progressive.
Progressive gets far fewer customer complaints than Dairyland or Harley-Davidson. In fact, the company gets 39% fewer complaints than similar insurance companies. That means you can count on Progressive to get you back on the road quickly after an accident.
KY motorcycle insurance: Costs by city
Somerset has the cheapest motorcycle insurance among Kentucky's largest cities.
People living in this city pay an average of $58 per month for a full coverage policy.
Riders in Danville pay the highest rate in the state, at $67 per month. Areas with higher rates typically have more thefts, bad weather or accidents.
Cost of motorcycle insurance in KY by city
City | Monthly cost | % from average |
|---|---|---|
| Ashland | $60 | -16% |
| Bardstown | $64 | -10% |
| Bowling Green | $61 | -13% |
| Campbellsville | $59 | -16% |
| Corbin | $61 | -13% |
Kentucky motorcycle insurance requirements
Motorcycle owners in Kentucky must have a minimum of 25/50/25 of liability insurance to ride legally. This pays for damage that you cause to other people and vehicles.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
It's a good idea to get more coverage than the minimum state requirements.
That's because you're responsible for any costs beyond what your insurance covers. A serious accident could be very expensive if your insurance limits aren't set high enough.
Aside from upping your motorcycle coverage limits, it's usually a good idea to get comprehensive and collision coverage to fix or replace your motorcycle if it's damaged or destroyed.
You should also consider uninsured and underinsured motorist coverage, which helps pay for your medical bills or damage to your bike if you're hit by someone who either doesn't have insurance or doesn't have enough coverage.
Motorcycle license requirements in Kentucky
To operate a motorcycle, you need to have a driver's license with a motorcycle endorsement, a motorcycle license or a motorcycle permit in Kentucky. You must pass both a written test and a skills test to get a motorcycle license or motorcycle endorsement in Kentucky.
A motorcycle license or endorsement also qualifies you to drive a moped in KY.
Kentucky recognizes motorcycle licenses from other states and military installations. If you're a member of the military, you can complete a basic rider course on base. You will have to email proof of completion to [email protected].
Frequently asked questions
Who has the best motorcycle insurance in Kentucky?
Dairyland has the best motorcycle insurance for most riders in Kentucky. Its full coverage policy costs $22 per month, which is 69% cheaper than the statewide average.
How much is motorcycle insurance in Kentucky?
The average cost of motorcycle insurance in Kentucky is $71 per month for a full coverage policy. Kentucky has the most expensive motorcycle insurance rates of any state.
Does KY require motorcycle insurance?
Yes, if you own a motorcycle in Kentucky, you must have $25,000 of bodily injury coverage per person, $50,000 per accident and $25,000 of property damage liability. This is sometimes written as 25/50/25 coverage.
Methodology
To find the best cheap motorcycle insurance in Kentucky, ValuePenguin collected more than 200 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, which 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 best companies in KY were chosen based on their monthly rates, coverage options, discounts and customer service.
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
