Who Has The Cheapest Motorcycle Insurance Quotes In Missouri?

Missouri is a state in the Midwest region of the U.S. with more than 6 million residents and various geographies that make it a great place to ride a motorcycle. To see who in the state has the best motorcycle insurance rates, we gathered quotes from three major carriers for a 45-year-old male rider. Our study showed the most expensive place for the sample policy was 54% higher than the cost of the cheapest motorcycle insurance in Missouri.

Cheapest Motorcycle Insurance In Missouri

Our analysis showed that Nationwide had the lowest motorcycle insurance rates in the state for our sample policy and rider. The premiums quoted by GEICO were also significantly cheaper than the average cost of motorcycle insurance in Missouri and only slightly more expensive that Nationwide's for the sample policy and rider.

ValuePenguin found Nationwide had the best motorcycle insurance premiums for our sample policy and rider in the state of Missouri.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Out of the three insurance companies that offer motorcycle insurance and had available data, we found Progressive quoted the most expensive premiums for our sample policy and rider in Missouri. We consider Progressive to be among the best motorcycle insurance companies in the U.S. In our study, the average rate estimated by Progressive was $987, which was more than 2.5x the cost of Nationwide's. The two most affordable companies were roughly 34% lower than the three carrier mean.

Best Motorcycle Insurance Rates In Missouri: By City

Like other states, where we gathered motorcycle insurance quotes using the identical sample policy and rider, the largest cities in Missouri had some of the more expensive motorcycle insurance quotes. The lone exception was Columbia, where quotes for the sample policy and rider were 10% lower than the Missouri average.

Rank

CityAverage Annual Rate% Difference vs State Average

1

Kansas City$79735%

2

St. Louis73224%

3

Springfield6104%

4

Independence64910%

5

Columbia531-10%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Kansas City, MO

Kansas City is the largest city and the epicenter of the second largest metropolitan area in Missouri. It was a hub for fur trading and a starting point for expeditions westward throughout the 18th and 19th centuries. Today, it’s a large, bustling city and home to the headquarters of numerous companies. Motorcycle insurance rates in Kansas City were 35% higher than the Missouri average.

St. Louis, MO

St. Louis is on the west bank of the Mississippi River and home to more than 300,000 residents, but is part of a metropolitan area with more than 2.8 million. It was named after Louis IX and is known for the its Gateway Arch, a 630-foot tall monument downtown. In St. Louis, motorcycle insurance quotes for our policy were 24% higher than the Missouri average.

Springfield, MO

The third-largest city in the state of Missouri has well over 150,000 residents and continues to grow in the 21st century. The "Queen City of the Ozarks" is considered the starting point of the Route 66 roadway and is home to several universities, including Missouri State University. Motorcycle insurance rates in Springfield quoted for our sample policy and rider were 4% more expensive than the state average.

Independence, MO

Independence is a city with more than 116,000 residents and a suburb of Kansas City. The Truman Presidential Library and Museum is located in the city, which has an important history as a frontier town. Average rates for our sample profile and bike in Independence were 10% higher than the Missouri average.

Columbia, MO

The home to the University of Missouri has a population of roughly 115,000 residents. A number of businesses have also been founded in Columbia, including Carfax. It's a city surrounded by rolling prairies and forests, making it a great place to live for those who love the outdoors. Among the major cities and towns in Missouri, Columbia had one of the lower motorcycle insurance rates. Quotes for the sample policy and rider in Columbia were 10% below the Missouri average.

Most Expensive Motorcycle Insurance In Missouri

The five places with the most expensive motorcycle insurance rates in Missouri were fairly dissimilar. They were scattered around the state and include both large and small cities. The place with the most expensive motorcycle insurance rates was Kansas City, where our sample policy was 35% higher than the state average.

Rank

CityAverage Annual Rate% Difference vs State Average

1

Kansas City$79735%

2

St. Louis73224%

3

Marshfield72723%

4

Memphis72723%

5

Boonville70920%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Kansas City, MO

The title of the most expensive motorcycle insurance rates in our Missouri study went to Kansas City. It is the largest city and the heart of the second largest metropolitan area in the state. Kansas City was a hub for fur trading and a starting point for expeditions west throughout the 18th and 19th centuries. Today, it’s a large, bustling city that is home to the headquarters of numerous large companies, including AMC Theaters, Hallmark Cards, Hostess Brands and H&R Block. Motorcycle insurance rates in Kansas City were 35% higher than the Missouri average.

St. Louis, MO

On the west bank of the Missouri River is the city of St. Louis, which is home to more than 300,000 residents but part of a metropolitan area with more than 2.8 million. It was named after Louis IX and is known for the its Gateway Arch, a 630-foot tall monument downtown. Motorcycle insurance in St. Louis is some of the least affordable in Missouri. Sample quotes for our policy were 24% higher than the state average.

Marshfield, MO

Marshfield is a city with roughly 6,600 residents in southern Missouri. It is the county seat of Webster County and experienced a surge when the railroad was built there in 1872. One of the city’s most recognizable residents was astronomer Edwin P. Hubble who attended the public school system through the third grade. Motorcycle insurance rates in Marshfield were 23% higher than the state average.

Memphis, MO

Memphis is a city in Scotland County, in the northeast corner of Missouri. The county was the site of a couple notable military engagements during the American Civil War. The population has fluctuated between roughly 2,100 and 1,800 residents over the last 100 years. Motorcycle insurance rates in Memphis, Missouri were 23% lower than the state average.

Boonville, MO

The city of Boonville is in central Missouri, about 25 miles west of Columbia. It is adjacent to the Missouri River and outdoor recreation in the area is enjoyed by locals and tourists alike. Biking, fishing and other water sports are some of the most popular there. For those who would rather be on a bike, Boonville is unfortunately one of the most expensive in the state. Quotes for our sample motorcycle insurance policy were 20% higher than the Missouri average.

Average Motorcycle Insurance Rates In Missouri: By City

This comparative study of motorcycle insurance premiums in Missouri was done by gathering and analyzing quotes from five major carriers across 89 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 54% more than the cheapest.

ValuePenguin found the average motorcycle insurance quote for a sample policy and rider in Missouri was $589.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 89 municipalities and census-designated places in the state of Missouri. The quotes we gathered were from four major carriers: Progressive, Nationwide, and GEICO. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average

24

Ashland$531-10%

77

Bethany70119%

30

Bolivar544-8%

80

Boonville70920%

25

Bowling Green531-10%

68

Branson6104%

78

Brookfield70119%

69

Buffalo6104%

11

California527-11%

42

Camdenton584-1%

18

Cape Girardeau529-10%

81

Carthage70920%

40

Caruthersville576-2%

1

Chillicothe519-12%

26

Columbia531-10%

59

Cuba6012%

19

Dexter529-10%

8

El Dorado Springs523-11%

82

Eldon70920%

50

Ellisville585-1%

38

Elsberry574-3%

67

Eminence6093%

43

Fredericktown584-1%

83

Fulton70920%

65

Gainesville6032%

51

Gallatin585-1%

2

Hamilton519-12%

20

Hannibal529-10%

6

Harrisonville521-11%

12

Hermann527-11%

33

Houston547-7%

73

Independence64910%

21

Jackson529-10%

27

Jefferson City531-10%

84

Joplin70920%

89

Kansas City79735%

52

Kennett585-1%

31

Kirksville544-8%

13

Lake Ozark527-11%

53

Lamar585-1%

76

Lebanon69318%

49

Lees Summit584-1%

4

Louisiana520-12%

34

Macon547-7%

35

Marshall547-7%

86

Marshfield72723%

41

Maryville577-2%

87

Memphis72723%

14

Mexico527-11%

44

Moberly584-1%

70

Monett6104%

54

Monroe City5931%

7

Mound City521-11%

15

Neosho527-11%

3

Nevada519-12%

45

New Haven584-1%

60

Nixa6012%

61

Ozark6012%

55

Paris5931%

46

Park Hills584-1%

22

Perryville529-10%

85

Piedmont70920%

66

Pineville6073%

5

Platte City521-12%

23

Poplar Bluff529-10%

79

Raytown70520%

71

Republic6104%

9

Richmond523-11%

75

Rogersville68216%

32

Rolla544-8%

58

Saint Joseph5961%

88

Saint Louis73224%

62

Saint Robert6012%

56

Sainte Genevieve5931%

36

Sedalia548-7%

16

Sikeston527-11%

72

Springfield6104%

63

Steelville6012%

37

Stockton548-7%

28

Stover531-10%

47

Sullivan584-1%

17

Tipton527-11%

57

Trenton5931%

39

Troy574-3%

29

Versailles531-10%

10

Warrensburg523-11%

48

Washington584-1%

64

Waynesville6012%

74

Webster Groves66613%

Missouri Average5890%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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