The Best and Cheapest Motorcycle Insurance in New York
The Best and Cheapest Motorcycle Insurance in New York
Progressive offers the cheapest motorcycle insurance in NY, at $18 per month for full coverage.
Compare Motorcycle Insurance Quotes in New York
Best cheap NY motorcycle insurance
To help you find the best cheap motorcycle insurance in NY, ValuePenguin collected quotes across 50 of the largest cities in New York.
We rated the best motorcycle insurance companies in NY based on cost, customer service and coverage availability.
To find the cheapest companies, we compared rates for a full coverage policy with collision and comprehensive coverage, plus higher liability limits than the state minimum. See our full methodology.
Cheapest motorcycle insurance in New York
Progressive has the most affordable motorcycle insurance rates in New York.
A full coverage policy from Progressive costs around $18 per month, which is 33% cheaper than the New York average.
Compare Motorcycle Insurance Quotes in New York
The average cost of motorcycle insurance in New York is $27 per month. Riders in New York pay 20% less for motorcycle insurance than the national average, which is $33 per month.
Cheapest motorcycle insurance companies in NY
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $18 | |
| Markel | $20 | |
| Dairyland | $21 | |
| Geico | $22 | |
| Harley-Davidson | $24 | |
Best for most people: Progressive
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Editor rating
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Monthly rate
$18 ?
Pros and cons
Progressive has the best motorcycle insurance for most riders in New York. It offers the cheapest rates in the state, charging $18 per month for full coverage insurance. That's $9 per month less than the average across NY.
Progressive's base policy has more coverage than most standard motorcycle insurance policies.
For example, Progressive includes full replacement cost coverage. This coverage will help repair your bike with brand-new parts after an accident, regardless of its condition before the crash. That means your bike will be as good as new after it's fixed.
Riders are typically happy with the service they get from Progressive, too. It gets 35% fewer customer complaints than other insurance companies of a similar size, according to the National Association of Insurance Commissioners (NAIC). That means New Yorkers can count on Progressive to get them back on the road quickly after an accident.
The one downside of Progressive is that it doesn't offer rental car reimbursement. It may not be the best choice for riders who don't want to pay for a rental car after an accident.
Best for daily riders in NY: Markel
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Editor rating
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Monthly rate
$20 ?
Pros and cons
Markel is the best choice for New Yorkers who use their motorcycle instead of a car.
That's because Markel offers rental car reimbursement. This coverage will pay for a rental car while your bike is in the shop after an accident. Having a rental could be important if your motorcycle is your only vehicle.
Markel's rates are affordable, averaging $20 per month for a full coverage policy. That's 25% cheaper than average in New York.
However, customers aren't always happy with the service they get at Markel. It gets four times more complaints than other similar-sized insurance companies, according to the NAIC. It could take Markel longer to get you back on the road after an accident. And you may have to spend more on repairs.
Best for military families: USAA
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Editor rating
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Monthly rate
$17 ?
Pros and cons
Bikers with military ties should compare quotes from USAA.
USAA doesn't sell its own motorcycle insurance but instead partners with Progressive to offer excellent coverage and cheap rates.
However, only military members, veterans and certain family members can buy insurance from USAA.
Progressive already offers the cheapest motorcycle insurance in New York, and USAA members get an additional 5% discount. That works out to $17 per month for full coverage, which is 37% cheaper than the New York average.
In addition, a basic policy from Progressive comes with more coverage than most standard motorcycle insurance. For instance, Progressive includes $3,000 of coverage for accessories and add-ons, with the option for riders to buy up to $30,000 in coverage.
USAA is known for its excellent customer service. Riders can count on USAA to help them get their bike fixed quickly after an accident.
Average cost of motorcycle insurance in New York by city
Riders in Gloversville have the cheapest motorcycle insurance quotes in major NY cities, averaging $20 per month for full coverage.
Long Island City, a neighborhood in Queens, has the most expensive motorcycle insurance in the state, with an average of $75 per month.
Full coverage motorcycle insurance rates in NY by city
City | Monthly cost | % from average |
|---|---|---|
| Albany | $26 | -4% |
| Amityville | $36 | 35% |
| Amsterdam | $20 | -24% |
| Auburn | $20 | -24% |
| Binghamton | $24 | -12% |
Full coverage motorcycle insurance costs vary by up to $55 per month depending on where in New York you live. Riders in large cities tend to pay more for insurance. This is likely due to more traffic and higher crime rates, which typically lead to more claims.
For example, the average motorcycle insurance cost in New York City is $72 per month. That's more than twice as expensive as the state average.
New York motorcycle insurance requirements
All motorcycle riders in New York must have liability insurance, personal injury protection (PIP) and uninsured motorist coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000
- Personal injury protection (PIP): $50,000
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
Frequently asked questions
How much is motorcycle insurance in NY?
The average cost of motorcycle insurance in New York is $27 per month, or $320 per year, for a full coverage policy.
Do I need insurance for a motorcycle in NY?
Yes, motorcycle insurance is required for riders in New York. You will need at least $25,000 of bodily injury liability per person and $50,000 per accident, along with matching uninsured motorist limits. You will also need to get $10,000 of property damage liability and $50,000 of personal injury protection (PIP).
What company has the cheapest motorcycle insurance in NY?
Progressive has the cheapest motorcycle insurance in New York, at $18 per month for full coverage. That's 33% cheaper than the New York state average.
How much does motorcycle insurance cost in NYC?
The average cost of motorcycle insurance in New York City is $72 per month for full coverage. NYC riders can find the cheapest rates at Geico, where a policy costs around $36 per month.
Methodology
To find the cheapest motorcycle insurance in New York, ValuePenguin collected 350 motorcycle insurance quotes from seven major motorcycle insurance companies across 50 of the largest cities in New York state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy. It includes comprehensive and collision coverage and higher liability limits than the state requirement.
- 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
- Personal injury protection (PIP): $50,000
- Collision and comprehensive deductible: $500
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.