Who Has the Cheapest Motorcycle Insurance In Missouri?
Progressive has the lowest rates for motorcycle insurance in Missouri, with an average of $22 per month.
Find Cheap Motorcycle Insurance Quotes in Missouri
Best cheap MO motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance in Missouri
Progressive offers Missouri's cheapest motorcycle insurance.
Full coverage from Progressive costs an average of $22 per month. That's around half the state average and $19 per month less than the second-cheapest option, Geico.
Find Cheap Motorcycle Insurance Quotes in Missouri
Motorcycle insurance in Missouri costs an average of $42 per month. That's 30% more than the national average rate, which is $32 per month.
Cheapest motorcycle insurance companies in MO
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $22 | |
| Geico | $41 | |
| Harley-Davidson | $42 | |
| Dairyland | $43 | |
| Allstate | $46 | |
| Nationwide | $57 | |
Best for most people: Progressive
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Editor's rating
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Cost: $22/month
Overview
Pros/cons
Progressive's cheap rates and excellent coverage make it the best choice for most Missouri riders.
Overview
Progressive's cheap rates and excellent coverage make it the best choice for most Missouri riders.
Pros/cons
Pros:
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Lowest rates in Missouri
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Extra coverage included with full coverage policies
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Few customer complaints
Cons:
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No option for rental reimbursement
Progressive's cheap rates and excellent coverage make it the best choice for most Missouri riders.
Pros:
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Lowest rates in Missouri
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Extra coverage included with full coverage
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Few customer complaints
Cons:
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No option for rental reimbursement
Progressive has the cheapest full coverage motorcycle insurance in Missouri, at $22 per month. That's nearly half the cost of the second-cheapest option, Geico.
In addition, full coverage insurance from Progressive includes extra coverage you typically have to pay extra for.
- Replacement cost coverage: Progressive will pay to restore your bike to its original condition after damage, regardless of any prior wear and tear.
- Original equipment manufacturer (OEM) parts: Guarantees Progressive will fix your motorcycle using parts from the original manufacturer instead of cheaper aftermarket parts.
- Custom parts and accessories coverage: Includes coverage for up to $3,000 of aftermarket parts, like a CB radio or saddlebags. You can increase this protection to as much as $30,000 for an additional fee.
Progressive also offers lots of other coverage add-ons if you need more protection. For example, you can add roadside assistance, which will pay for towing and emergency services if your bike breaks down on the side of the road.
You can also get a wide range of discounts from Progressive, including a break on your rates for completing a safety course, bundling with another Progressive policy or switching from another company.
Progressive customers are typically happy with the service they get from the company.
It only gets half as many complaints as an average company its size. That means you can rely on Progressive to fix your motorcycle quickly after an accident.
The biggest drawback of Progressive is that you can't get rental car reimbursement from the company. So if your car is in the shop, you'll have to pay for a rental yourself.
Best for daily riders: Harley-Davidson
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Editor's rating
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Cost: $42/month
Overview
Pros/cons
Harley-Davidson offers important coverage add-ons for daily riders, including roadside assistance and rental reimbursement.
Overview
Harley-Davidson offers important coverage add-ons for daily riders, including roadside assistance and rental reimbursement.
Pros/cons
Pros:
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Lots of coverage options
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Many discounts
Cons:
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Not the cheapest option
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Numerous customer complaints
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Can't bundle with auto, home or renters
Harley-Davidson offers important coverage add-ons for daily riders, including roadside assistance and rental reimbursement.
Pros:
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Lots of coverage options
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Many discounts
Cons:
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Not the cheapest option
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Numerous customer complaints
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Can't bundle with auto, home or renters
Harley-Davidson offers a wide range of coverage add-ons to help personalize your policy.
These include rental reimbursement and roadside assistance. Both of these coverages are important if your motorcycle is your main way to get around because they can help you avoid major disruptions in your life.
- Rental reimbursement pays for a rental car while your motorcycle is in the repair shop after a crash.
- Roadside assistance covers the cost of towing, locksmith services, a jump start, fuel delivery and other emergency services if your bike breaks down.
Harley-Davidson also offers helpful add-ons for people who travel often, like trip interruption and vacation rental insurance.
Harley-Davidson has lots of ways to lower its monthly rate, which at $42 is around the state average in Missouri. Some of the discounts Harley offers include:
- Homeowners discount
- Multicycle discount
- Experienced rider discount
- Harley-Davidson Riding Academy discount
- Anti-theft device discount
- New bike discount
However, Harley-Davidson doesn't sell insurance for your home or car. This limits some of the options for a bundling discount, which can be a good way to save on your monthly rates.
The biggest downside to Harley-Davidson is its large number of customer complaints. Most complaints are about its lengthy claims process, which means it may take longer to fix your bike than with other companies.
Best for military riders: USAA
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Editor's rating
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Cost: $21/month
Overview
Pros/cons
USAA offers military riders the absolute cheapest rates in Missouri.
Overview
USAA offers military riders the absolute cheapest rates in Missouri.
Pros/cons
Pros:
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Cheapest rates for bikers with connections to the military
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Excellent coverage
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Minimal customer complaints
Cons:
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Only available to military members, veterans and some family members
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No rental reimbursement
USAA offers military riders the absolute cheapest rates in Missouri.
Pros:
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Cheapest rates for bikers with military ties
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Excellent coverage
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Minimal customer complaints
Cons:
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Only available to military members, veterans and some family members
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No rental reimbursement
USAA doesn't sell its own motorcycle insurance. Instead, it partners with Progressive, which offers a 5% discount to USAA members.
Progressive is already the best choice for most people in Missouri, even before the USAA discount.
That's because it has the most affordable rates, robust coverage and very few customer complaints.
Progressive's basic full coverage policy includes added coverage that most companies charge extra for. That means you'll get more value out of a Progressive policy than you would with other companies.
However, only military members, veterans and some of their family members can get a USAA discount from Progressive.
Average cost of motorcycle insurance in Missouri by city
Kirksville has the cheapest rates for motorcycle coverage among Missouri's larger cities, with an average of $36 per month.
Kansas City has the most expensive rates, averaging $53 per month, just ahead of St. Louis at $51 per month.
Full coverage motorcycle insurance rates in MO by city
City | Monthly cost | % from average |
|---|---|---|
| Cape Girardeau | $38 | -10% |
| Carthage | $46 | 11% |
| Columbia | $38 | -10% |
| Hannibal | $38 | -10% |
| Independence | $43 | 3% |
Companies often charge higher rates in bigger cities that have more traffic and more car thefts.
The rates in Kansas City, the state's largest city, are 47% higher than in Kirksville, a small town in the northeastern part of the state.
Missouri motorcycle insurance requirements
Motorcycle owners in Missouri must have a minimum amount of liability insurance, often written as 25/50/25. You must also have matching uninsured motorist bodily injury liability coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000
- Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Although you don't need to have more than those limits to drive legally, it's a good idea to get more insurance if you can afford it.
If you cause a serious accident, the minimum limits may not be high enough to fully cover the damage and medical expenses.
In addition, minimum liability coverage doesn't offer any protection for your motorcycle. You'll need to add collision and comprehensive coverage if you want the insurance company to pay for damage to your bike.
Frequently asked questions
How much is motorcycle insurance in Missouri?
Motorcycle insurance in Missouri costs an average of $42 per month. That's 30% higher than the national average of $32 per month.
Is motorcycle insurance required in Missouri?
You need to have motorcycle insurance to ride in Missouri. The requirements in Missouri are $25,000 of bodily injury liability per person and $50,000 per accident, along with matching uninsured motorist coverage. You also need $25,000 of property damage liability protection.
Which company has the cheapest motorcycle insurance in Missouri?
Progressive offers Missouri's cheapest motorcycle insurance. The company's average rate is $22 per month, which is 48% cheaper than the state average.
Methodology
ValuePenguin collected more than 150 motorcycle insurance quotes from 24 of Missouri's largest cities and six major motorcycle insurance companies to find the cheapest rates in the state. Quotes are for a 45-year-old single man with a 2018 Honda CMX500 Rebel.
Rates are for full coverage, with higher liability limits than the state requires and comprehensive and collision coverage.
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident
- Property damage liability coverage: $25,000 per accident
- Uninsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
- Medical payments: $5,000
- Collision and comprehensive deductible: $500
The best companies were selected based on standout features, low rates, discounts and customer service.
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.