Who Has the Cheapest Motorcycle Insurance in Mississippi?
Dairyland has the best cheap motorcycle insurance in Mississippi, at $24 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Mississippi
Best cheap Mississippi motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance companies in Mississippi
Dairyland has the cheapest motorcycle insurance in Mississippi.
At $24 per month, full coverage motorcycle insurance from Dairyland costs half as much as the Miss. state average. It's also 20% cheaper than the second-cheapest companies, Harley-Davidson and Progressive.
Find Cheap Motorcycle Insurance Quotes in Mississippi
Motorcycle insurance in Mississippi costs an average of $48 per month. That's 50% more expensive than the national average, making Mississippi the third-most expensive state in the U.S. for motorcycle insurance.
Cheapest motorcycle insurance quotes in Mississippi
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $24 | |
| Harley-Davidson | $30 | |
| Progressive | $30 | |
| Allstate | $37 | |
| Geico | $65 | |
| Nationwide | $104 | |
Best motorcycle insurance for most people: Dairyland
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Editor's rating
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Cost: $24/month
Overview
Pros/Cons
Dairyland offers the most affordable motorcycle insurance in Mississippi with enough coverage for most riders.
Dairyland motorcycle insurance costs just $24 per month in Mississippi. That's half the state average and $6 per month cheaper than the second-best companies, Harley-Davidson and Progressive.
Dairyland is a good choice for daily riders because it offers rental reimbursement and roadside assistance.
These are important add-ons if your motorcycle is your main way to get around. That's because they'll help keep your life on track if something happens to your bike.
- Rental reimbursement coverage pays for a rental car while your motorcycle is in the repair shop after an accident.
- Roadside assistance helps schedule and pay for emergency services if your bike breaks down on the side of the road. At Dairyland, this includes towing, battery jumpstart, locksmith services, a tire change or fuel, oil and coolant delivery.
However, Dairyland is missing some popular coverage add-ons for people who travel with their motorcycle. For example, you can't get trip interruption or trailer coverage. If you need these coverages, Progressive may be a better choice for you.
The main downside to choosing Dairyland is that its customer service is just average. While it gets fewer complaints than average, other companies will probably help get your motorcycle fixed faster after an accident.
Best for extra coverage: Progressive
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Editor's rating
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Cost: $30/month
Overview
Pros/Cons
Progressive offers lots of ways to upgrade your coverage, and its full coverage policy comes with extra protection.
Progressive is an excellent option for many Mississippi riders. That's because it offers more protection than a standard policy provides for just $6 per month more than the cheapest company, Dairyland.
When you get a policy with collision and comprehensive coverage, Progressive automatically includes:
- Full replacement cost coverage for parts, which pays to bring your motorcycle back to its original condition, even if it had some wear and tear before your accident.
- Original manufacturer equipment (OEM) coverage, which guarantees Progressive will fix your bike using parts from its original manufacturer instead of cheaper after-market parts.
- $3,000 of custom parts and accessories coverage for things like a c/b radio, upgraded saddle or custom handlebars.
Most companies charge extra to add these coverages to your policy. So, while Progressive isn't the cheapest company in Mississippi, it offers the best value, especially if you want more protection.
In addition, Progressive offers lots of helpful coverage add-ons for an extra fee, including:
- Accident forgiveness
- Expanded parts coverage
- Full replacement cost coverage
- Carried contents
- Enhanced injury coverage
- Roadside assistance plus trip interruption
- Disappearing deductible
Although Progressive offers an impressive amount of coverage add-ons, it doesn't sell rental reimbursement coverage. Consider Harley-Davidson or Dairyland if you're worried about paying for a rental car after an accident.
Most Progressive customers are happy with the service they get from the company.
It gets around one-third as many complaints as an average company its size. That means you can rely on Progressive to get you back on the road quickly after a crash.
Best motorcycle insurance discounts: Harley-Davidson
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Editor's rating
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Cost: $30/month
Overview
Pros/Cons
Harley-Davidson could be the cheapest option if you qualify for multiple discounts.
A Harley-Davidson motorcycle policy costs $30 per month in Mississippi, on average. This makes it one of the cheapest options among large Mississippi motorcycle insurance companies.
Beyond its low rates, Harley-Davidson offers many discounts, including:
- Motorcycle endorsement discount
- Homeowner discount
- Multicycle discount
- H.O.G. membership discount
- Anti-theft discount
- Experienced rider discount
- Military and law enforcement discount
Harley-Davidson doesn't offer a motorcycle bundling discount because it doesn't sell auto, home insurance or renters insurance. If you already have insurance through another company, such as Progressive Progressive or Allstate, you may get a better deal by bundling all of your policies with one company.
Harley-Davidson also offers lots of ways to upgrade your protection with coverage add-ons.
For instance, if you take regular road trips, you can add trip interruption. And if you enjoy renting a motorcycle while on vacation, you can add vacation rental coverage.
Harley-Davidson gets more customer complaints than other major insurance companies. Most complaints are about the company's long claims process, which means it will likely take longer to fix your bike after a crash than other companies might.
Mississippi motorcycle insurance: Costs by city
Hernando, Holly Springs, Horn Lake and Southaven have the cheapest motorcycle insurance compared to other large cities and towns in Mississippi.
People living in these areas pay an average of $41 per month for full coverage.
Gulfport has the most expensive motorcycle insurance among Mississippi's larger cities, with an average rate of $63 per month.
Motorcycle insurance rates vary by up to $18 per month between the largest cities in Mississippi. Factors like crime, weather and traffic can contribute to price differences between cities.
Average motorcycle insurance cost in MS by city
City | Monthly cost | % from average |
|---|---|---|
| Aberdeen | $48 | -1% |
| Ackerman | $49 | 1% |
| Batesville | $44 | -10% |
| Bay Saint Louis | $62 | 29% |
| Belzoni | $49 | 2% |
Mississippi motorcycle insurance requirements
In Mississippi, you must have a minimum amount of motorcycle insurance to ride legally, which is sometimes written as 25/50/25.
This is the same as the state's auto insurance requirement.
- Bodily injury liability: $25,000 per person and $50,000 per accident.
- Property damage liability: $25,000 per person
Keep in mind that liability coverage only pays for damage or injuries you cause to others.
To protect yourself, it's a good idea to buy comprehensive and collision coverage. Collision coverage pays for damage to your motorcycle caused by an accident, while comprehensive pays for damage caused by most other things, such as extreme weather, theft or a falling tree branch.
Motorcycle license requirements in Mississippi
You need a driver's license with a motorcycle endorsement to drive a motorcycle in Mississippi. To get a motorcycle endorsement, typically you must pass both a written knowledge test and a road test.
You don't need to take the road test if you've taken a motorcycle safety class endorsed by the American Association of Motor Vehicle Administrators (AAMVA). However, you must still take the written knowledge test.
You can get a Mississippi motorcycle endorsement without taking either test if you already have a valid motorcycle endorsement from another state.
The minimum age to get a motorcycle learner's permit is 15 in Mississippi.
Frequently asked questions
How much is motorcycle insurance in Mississippi?
The average cost of motorcycle insurance in Mississippi is $48 per month for a full coverage policy. However, the cheapest motorcycle insurance company in Mississippi, Dairyland, charges half that amount, at $24 per month on average.
Does Mississippi require motorcycle insurance?
Yes, you must have insurance to legally drive a motorcycle in Mississippi. The state requires that you buy a policy with at least $25,000 of bodily injury coverage per person, $50,000 per accident and $25,000 of property damage liability.
Methodology
To find the best cheap motorcycle insurance in Mississippi, 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 MS 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.
