You must purchase insurance to drive a motorcycle legally in Nevada, but that doesn't mean every motorcycle insurance provider offers the same price as the next. We found the cheapest annual rate for motorcycle insurance in Nevada was $502.
Compare Motorcycle Insurance Quotes from Providers in Nevada
After collecting more than 100 quotes from across Nevada, we determined some of the best motorcycle insurance companies for riders in the state. Use our quote box tool to get a free insurance quote for a company near you, or continue reading our analysis of the top companies in Nevada.
Best motorcycle insurance for most people: Nationwide
- $3,000 of custom parts coverage with any policy
- Highest liability limits among competitors
- Unable to upgrade to replacement cost coverage
The best motorcycle insurance for most riders in Nevada is Nationwide, which offers a collection of endorsements that many motorcyclists will find practical. Nationwide is also one of the most affordable motorcycle insurance providers in the state.
A standard motorcycle insurance policy from Nationwide includes $3,000 of custom parts protection, with the ability to add up to $30,000. Although Progressive also includes custom parts protection in its policies, Progressive is more expensive than Nationwide. With Nationwide, you can also purchase original equipment manufacturer (OEM) parts coverage if your bike is less than 10 years old.
The average cost of motorcycle insurance from Nationwide is $576 per year, which is about 11% cheaper than the typical $644 price of coverage in Nevada. Additionally, you may be able to lower your premium by qualifying for Nationwide's motorbike discounts, which include rate reductions if you:
- Insure more than one vehicle with Nationwide
- Own a home
- Successfully complete a safety course
- Install anti-theft or theft-recovery devices to your motorcycle
- Have a motorcycle with anti-lock brakes
- Pay your bill in full
- Belong to one of Nationwide's dozens of affinity groups
Most affordable motorcycle insurance: GEICO
- Offers cheapest coverage on average
- High available limits of liability
- Fewest endorsement opportunities among companies we surveyed
GEICO has the cheapest motorcycle insurance in Nevada, selling coverage for an average price of $502 per year. This rate is about 22% cheaper than the average cost of motorcycle insurance in the Silver State, and more than $200 cheaper than the national cost of motorcycle insurance.
Although it's cheaper on average than the other motorcycle insurance providers we surveyed, GEICO offers the fewest chances to lower your premiums through discounts. Still, you could reduce the cost of your motorcycle insurance by:
- Carrying more than one policy with GEICO
- Being a rider who's over 65
- Completing a safety or accident prevention course
- Transferring or renewing your motorcycle insurance coverage
Though it offers the most affordable coverage in Nevada, GEICO is still a good option for motorcycle riders looking for more than the absolute cheapest option. GEICO offers roadside assistance coverage as a supplement to your policy. You can also purchase protection for your accessories and increase your limits of liability to up to $250,000 per cycle.
Best motorcycle insurance for complete coverage: Progressive
- Standard protection comes with replacement cost coverage
- Ability to purchase more endorsements at extra cost
- Not the cheapest option for most people
Progressive has the best motorcycle insurance for riders who want to maximize their bike's protection. A standard motorcycle insurance policy from Progressive includes replacement cost coverage and $3,000 of custom parts protection at no additional cost.
Additionally, you could further add onto your motorcycle insurance with the variety of endorsements offered by Progressive, including:
- Original equipment manufacturer (OEM) parts coverage
- Total loss protection for motorcycles less than one year old or two years old upon renewal
- Roadside assistance, including $500 for food and other expenses if you break down
- Enhanced injury protection paying $250 per week for up to two years if you're injured on your bike
- Up to $25,000 to your family if you're killed as the result of an accident
The average cost of motorcycle insurance from Progresive is $598 per year, about 7% cheaper than the typical price of coverage in Nevada. Although it's somewhat more expensive than other providers in the state, Progressive offers the most discounts of the companies we surveyed, including for making automatic payments, being a safe driver and simply having a motorcycle license.
How we chose the best motorcycle insurance in Nevada
To judge the best motorcycle insurance company in Nevada, we assessed each company's:
- Affordability: The price typical shoppers might pay for motorcycle insurance in Nevada
- Coverage options: How the coverage and endorsements offered by companies stack up against others
- Customer service: Does an insurer regularly meet its policyholders' needs?
The best motorcycle insurance companies should be affordable enough that you can consider purchasing upgrades to your policy; however, a standard policy should provide enough protection without requiring you to purchase add-ons. The best motorcycle insurance companies should also have histories of answering claims fairly and quickly.
Affordability: comparing motorcycle insurance prices in Nevada
The cost of motorcycle insurance can often be the determining factor for people shopping for coverage. With this in mind, we gathered rate information by requesting quotes from addresses across Nevada to calculate the average cost of motorcycle insurance in the state.
We calculated that the average price of motorcycle insurance in Nevada is $644 per year — about $60 cheaper than the typical cost of coverage in the United States.
|Insurer||Average cost||% difference from statewide average|
The rate you're quoted when shopping for motorcycle insurance depends on a couple of elements specific to your profile, such as the type of motorcycle you want to insure, the amount of coverage you want to purchase and your driving history.
We requested motorcycle insurance quotes for a 45-year-old married male homeowner with 20 years of riding experience. Our sample profile sought to insure a 2019 Harley-Davidson FLHX Street Glide. We purchased more coverage than the amount required by Nevada, purchasing insurance for the bike itself in addition to liability protection.
- Bodily injury liability coverage: $100,000 per person/$300,000 per accident
- Property damage liability coverage: $50,000 per accident
- Collision coverage: Included/$500 deductible
- Comprehensive coverage: Included/$500 deductible
- All other coverages: Not included
Find Cheap Auto Insurance Quotes in Your Area
Coverage options: evaluating motorcycle insurance policies and benefits
All of the insurers we've recommended offer more than enough coverage to comply with Nevada's legally required minimums, as well as additional endorsements you can purchase to customize your motorcycle insurance.
Before settling on a motorcycle insurance provider, you should evaluate whether an insurer's standard policy contains enough coverage for your bike while granting you the freedom to raise or lower coverage limits and purchase practical endorsements as your needs morph and grow.
We've constructed the following table to easily display the policy features available with the companies we've highlighted. Also included in our table is Dairyland motorcycle insurance, a provider we sourced quotes from while compiling our rate information.
|Insurance provider||Maximum liability limit||Replacement cost coverage||OEM parts replacement||Custom parts||Roadside assistance||Rental reimbursement|
Customer service: considering insurer quality in service and claims
We accounted for three elements when comparing the customer service quality of motorcycle insurance companies in Nevada: the Complaint Index computed by the National Association of Insurance Commissioners (NAIC), the scores awarded to each insurer on J.D. Power's U.S. Auto Insurance Study of companies in the Southwest and A.M. Best's Financial Strength Rating (FSR).
|Company||J.D. Power (out of 13)||A.M. Best|
|American Family Insurance||5th||A|
|Nationwide (SNL P&C Group)||13th||A+|
NAIC Complaint Index: The National Association of Insurance Commissioners (NAIC) divides the number of complaints an insurer receives relative to its market share to arrive at its Complaint Index. The value 1.0 represents the number of complaints an insurer is expected to have, given its size. This means that the more a Complaint Index exceeds 1.0, the more complaints relative to its size it has received.
J.D. Power study scores: The consumer-intelligence analysts at J.D. Power conducted a study of 13 auto insurance companies in the southwestern United States. Companies were ranked out based on consumers' feedback about the service each insurer provides, like its features, price and claims satisfaction.
A.M. Best: A.M. Best gauges the ability of insurance providers to fulfill their financial obligations to their policyholders, especially if a natural disaster or economic recession were to occur. Most companies are ranked highly by A.M. Best, but this tool could help you distinguish between which providers are more likely to present a financial risk.
Nevada motorcycle insurance: costs by city
Based on the rates we collected for this survey, we were able to find the average cost of motorcycle insurance in many of Nevada's largest markets. We've tabulated this information below, alongside each city's difference from the state's average of $644.
We found that the most expensive city in Nevada for motorcycle insurance is Winchester, where coverage costs an average of $909 per year. On the other hand, Carson City, where policies are about $522 per year, is the least expensive city in the state.
|City (organized by population)||Average price||% difference from average|
Nevada motorcycle insurance requirements
Nevada requires owners and operators of motorcycles on its roadways to carry liability insurance, just like the drivers of conventional automobiles. Failing to purchase motorcycle insurance can result in fines of at least $250 for a first offense, but you could be fined for over $1,000 depending on the length of time your insurance lapses.
We've displayed Nevada's motorcycle insurance requirement below:
|Coverage type||Legally required minimum|
|Bodily injury liability||$25,000 per person / $50,000 per accident|
|Property damage liability||$20,000|
Unlike with other automobiles in Nevada, you don't have to pass an emissions inspection to drive your motorcycle.
How do you get a motorcycle license in Nevada?
You're required to get a motorcycle or Class M license to legally operate a bike in Nevada. You can get a standalone Class M license, or add a motorcycle endorsement to your existing license. To receive a Class M license or endorsement, you must complete a skills course or pass a written test.
While adults have the choice between obtaining a learner's permit or a regular license, they must complete the state's skills test before being allowed to ride a motorcycle if they elect not to get a learner's permit. If you're under 18, you must comply with the same driving requirements as teenagers applying for a regular license.
For this survey, we collected 120 motorcycle insurance quotes from across Nevada. The quotes we sourced were for a 45-year-old male homeowner, married, with two decades of riding motorcycles recreationally. Our sample bike was a 2019 Harley-Davidson FLHX Street Glide. Prices will fluctuate depending on individual factors.