Who Has the Cheapest Motorcycle Insurance in Maryland?
Harley-Davidson has the cheapest motorcycle insurance in Maryland, at an average rate of $21 per month. However, Progressive is a better choice for most people because it offers the best combination of low rates and reliable customer service.
Harley-Davidson has the cheapest motorcycle insurance in Maryland, at an average rate of $21 per month.
However, Progressive is a better choice for most people because it offers the best combination of low rates and reliable customer service.
Find Cheap Motorcycle Insurance Quotes in Maryland
Best cheap motorcycle insurance in MD
How we chose the top companies
Cheapest motorcycle insurance companies in Maryland
Harley-Davidson has the cheapest motorcycle insurance quotes in Maryland.
At $21 per month, full coverage motorcycle insurance from Harley-Davidson costs 28% less than the state average.
Maryland riders should also compare quotes from Progressive.
While it costs an average of $2 per month more than Harley-Davidson, Progressive has much better customer service reviews. The company's full coverage policy also includes extra protection, which often makes Progressive worth the few extra dollars per month.
Find Cheap Motorcycle Insurance Quotes in Maryland
The average cost of motorcycle insurance in Maryland is $29 per month for a full coverage policy. That's 9% cheaper than the national average, $32 per month.
Best cheap motorcycle insurance quotes in Maryland
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson | $21 | |
| Progressive | $23 | |
| Dairyland | $26 | |
| Geico | $26 | |
| Allstate | $32 | |
| Nationwide | $48 | |
Best motorcycle insurance in Maryland for most people: Progressive
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Editor's rating
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Cost: $23/month
Overview
Pros/cons
Progressive is the best choice for most people because it offers a combination of low rates, minimal customer complaints and helpful coverage extras.
Overview
Progressive is the best choice for most people because it offers a combination of low rates, minimal customer complaints and helpful coverage extras.
Pros/cons
Pros:
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Affordable quotes
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Reliable customer service
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Numerous discounts
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Lots of coverage options
Cons:
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No rental reimbursement coverage
Progressive is the best choice for most people because it offers a combination of low rates, minimal customer complaints and helpful coverage extras.
Pros:
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Affordable quotes
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Reliable customer service
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Numerous discounts
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Lots of coverage options
Cons:
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No rental reimbursement coverage
Progressive charges an average of $23 per month for full coverage motorcycle insurance. That's 21% cheaper than the Maryland average.
While it's slightly more expensive than the cheapest company, Harley-Davidson, Progressive's basic full coverage policy includes coverage that most companies charge extra for.
Full coverage motorcycle insurance from Progressive comes with:
- Full replacement cost coverage, which covers the full cost to restore your bike to its original condition, regardless of any wear and tear before your accident.
- Original equipment manufacturer (OEM) parts coverage, which guarantees Progressive will fix your bike using parts from its original manufacturer, instead of cheaper aftermarket parts.
- $3,000 in coverage for accessories and custom parts, including custom handlebars or a CB radio.
In addition, riders can add extra protection for a fee, like roadside assistance and trip interruption.
Progressive also offers a diverse set of discounts to help lower your insurance bill. You'll automatically get a discount for switching from another motorcycle insurance company. You can also save by:
- Bundling your motorcycle insurance with an auto, home, renters or other insurance policy
- Getting a quote more than one day before your current policy expires
- Completing a motorcycle safety course
- Having a motorcycle endorsement on your driver's license
- Paying your entire bill up front or signing up for automatic payments
- Belonging to the Harley Owners Group or USAA
- Avoiding accidents for at least three years
Maryland riders are typically happy with the service they get at Progressive.
It only gets around half as many complaints as an average insurance company its size. That means you can count on Progressive to get your life back to normal quickly after a crash.
The main downside to choosing Progressive is that it doesn't offer rental reimbursement coverage, which pays for a rental car while your motorcycle is in the shop after an accident. That could be an important add-on if you rely on your motorcycle to get to work or run errands.
Best for cheap rates: Harley-Davidson
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Editor's rating
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Cost: $21/month
Overview
Pros/cons
Harley-Davidson has the cheapest quotes in Maryland, and lots of discounts to help lower your rates even further.
Overview
Harley-Davidson has the cheapest quotes in Maryland, and lots of discounts to help lower your rates even further.
Pros/cons
Pros:
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Cheapest in MD
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Many discounts
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Lots of coverage add-ons, including rental reimbursement
Cons:
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Poor customer service
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Doesn't sell auto, home or renters
Harley-Davidson has the cheapest quotes in Maryland, and lots of discounts to help lower your rates even further.
Pros:
-
Cheapest in MD
-
Many discounts
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Lots of coverage add-ons, including rental reimbursement
Cons:
-
Poor customer service
-
Doesn't sell auto, home or renters
At just $21 per month, full coverage motorcycle insurance from Harley-Davidson is $8 per month cheaper than the Maryland average.
In addition, Harley-Davidson offers lots of discounts to help lower your insurance bill, and some are very easy to get. For example, you'll get a discount if you have a motorcycle endorsement on your driver's license. Other discounts include:
- Anti-theft
- Experienced rider
- H-D Riding Academy
- H.O.G. membership
- Homeowner
- Military and law enforcement
- Multicycle
- Multipolicy
- New bike
Harley-Davidson also offers numerous coverage add-ons. Most notably, you can add rental reimbursement, which covers the cost of a rental car while your motorcycle is in the repair shop after an accident. This is helpful if your motorcycle is your main way to get around and you can't afford to pay for a rental car.
However, Harley-Davidson's customer service isn't great. It gets 64% more complaints than an average insurance company of its size. Most complaints are about the company's long claims process, which means it may take longer to fix your motorcycle after an accident.
Best for military members: USAA
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Editor's rating
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Cost: $22/month
Overview
Pros/cons
USAA's low rates, great coverage and reliable customer service make it the best choice for riders with military ties.
Overview
USAA's low rates, great coverage and reliable customer service make it the best choice for riders with military ties.
Pros/cons
Pros:
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Affordable quotes
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Full coverage includes extra protection
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Few customer complaints
Cons:
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Only available to military members, veterans and some of their family members
USAA's low rates, great coverage and reliable customer service make it the best choice for riders with military ties.
Pros:
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Affordable quotes
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Full coverage includes extra protection
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Few customer complaints
Cons:
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Only available to military members, veterans and some of their family members
USAA is only available to active military members, veterans and some of their family members. However, Maryland has the 11th-most active-duty military members stationed within its borders of any state. So, many Maryland bikers may be able to take advantage of its cheap rates, strong coverage options and good service ratings.
USAA's motorcycle insurance coverage is from Progressive, but at a 5% discount.
Progressive is already the second-cheapest option in Maryland, even without a discount.
And, its full coverage policy includes coverage that other companies typically charge extra for, including original manufacturer parts coverage and $3,000 of coverage for custom parts and accessories.
Maryland motorcycle insurance costs by city
Baltimore has the most expensive motorcycle insurance in Maryland, compared to other large cities.
Baltimore motorcycle insurance costs an average of $60 per month, which is more than double the statewide average.
A number of cities have the cheapest rates in the state, including Frederick, Westminster and Easton. People living in these cities pay just $21 per month for full coverage insurance, on average.
Average cost of motorcycle insurance in Maryland by city
City | Monthly cost | % from average |
|---|---|---|
| Aberdeen | $25 | -13% |
| Annapolis | $26 | -10% |
| Baltimore | $60 | 104% |
| Bel Air | $24 | -19% |
| Bladensburg | $43 | 45% |
The city and area where you live can impact your rates because insurance companies use factors such as traffic and auto theft rates to help set prices. That's part of the reason why rates are typically more expensive in larger cities.
Maryland motorcycle insurance requirements
Motorcycle owners in Maryland must have a minimum amount of liability insurance to drive legally, which is sometimes written as 30/60/15. You also need matching uninsured and underinsured motorist coverage.
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $15,000 per accident
- Uninsured and underinsured motorist bodily injury: $30,000 per person and $60,000 per accident
- Uninsured and underinsured motorist property damage liability: $15,000 per accident
However, minimum liability insurance isn't the best choice for most people.
An accident can bring high medical bills, sometimes more than the $30,000 limit. It also doesn't include any coverage for your motorcycle. You'll need to add comprehensive and collision coverages to protect your own bike.
Methodology
To find the best cheap motorcycle insurance in Maryland, ValuePenguin collected motorcycle insurance quotes from six major companies that offer coverage in the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Full coverage quotes include comprehensive and collision coverage and higher liability limits than the state requirement.
- 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.