Who Has The Cheapest Motorcycle Insurance Quotes In New York?

The “Empire State” is home to New York City: the most populous city in the country and a global hub for finance, the arts, cuisine and more. New York experiences all four seasons and, most of the year, is a great place to ride a motorcycle. To quantify how much riders pay for motorcycle insurance, we got quotes from five major carriers for a 45-year-old male rider living in 76 different places. Our study showed the place with the most expensive rates was more than 4x as the cost of the cheapest in New York.

Cheapest Motorcycle Insurance in New York

Our study of five major motorcycle insurance companies showed that there was a wide range of quotes for the same rider and bike. GEICO and Nationwide ranked with the two lowest motorcycle insurance rates for our sample rider; annual costs were $345 and $367, respectively - about 42% cheaper than the average.

ValuePenguin studied the motorcycle insurance rates of five companies in New York for a sample policy and rider and found GEICO had the best rates.

Progressive's average motorcycle insurance rate for our sample rider and policy was $704 – not much more than the New York average. Dairyland and Markel quoted our 45 year old rider on the higher end, with quotes that were more than $800. The average rate quoted by Markel, the most expensive company in the study, was $861 and more than 2x the cost of GEICO's. The sample motorcycle insurance policy covered included bodily injury protection ($100,000 per person/$300,000 per accident) and $50,000 in property damage.

Best Motorcycle Insurance Rates In New York: By City

We analyzed some of the largest cities in the state of New York to see which ones had the best motorcycle insurance rates and found the data to be atypical of that across the U.S. Generally, the most populous cities in each state (along with other large metropolitan areas) have the most expensive rates but that wasn't exactly the case in the state of New York. The largest city in the state, New York City, had much more expensive rates than the other large cities. In fact, the only other large city with quotes higher than the state average was Buffalo and the average premium quoted was only 17.9% higher than the average. The other cities we looked at -- Rochester, Syracuse and Albany -- had much cheaper motorcycle insurance rates compared to the New York average.

RankCityAverage Annual Rate% Difference vs State Average
1 New York City $1,486 176.7%
2 Buffalo 633 17.9%
3 Rochester 506 -5.8%
5 Syracuse 446 -16.9%
6 Albany 566 -5.5%

*Average annual rates have been rounded to nearest whole dollar. Rankings in this table represent city population in the state of New York.

New York City, NY

New York City is the largest in the state of New York (and one of the largest in the world), with more than 8.5 million residents. Even some of the other large cities in the state are only a fraction of it's size. We did a more thorough analysis of New York City and the cost of motorcycle insurance in each of its boroughs below. New York City had the least affordable motorcycle insurance rates, with an average quote for our sample policy and rider of $1,486.

Buffalo, NY

"The Queen City," which also has several other nicknames, is the second largest city in the state of New York. More than 250,000 people call Buffalo home, which is about half as many as a century ago. Today, the industrial and technology industries are still present and Buffalo has gained a reputation as a "food city" with thriving arts while maintaining its blue-collar attitude and values. Motorcycle insurance quotes in Buffalo were close to the New York average, only 17.9% higher.

Rochester, NY

With roughly 210,000 residents, Rochester is the third largest city in New York. In 2007, the city was one of the "most livable cities" in the U.S. and, in 2010, Forbes ranked it the third best place to raise a family. Like Buffalo, Rochester's population has declined but the local economy has evolved and includes a number of Fortune 1000 companies. Quotes for our sample motorcycle insurance policy and rider were 5.8% lower than the state average.

Syracuse, NY

The fourth most populous city in the state of New York us Syracuse, with more than 145,000 residents. It's part of a metropolitan area with more than 730,000 and has historically been an important industrial city, as well as a hub for education institutions. Syracuse ranked with one of the best motorcycle insurance rates in the state, and was about 16.9% less than the state average for our sample rider.

Albany, NY

Albany, the state capital of New York, is the sixth largest city in the state. About 100,000 residents call Albany home but it's at the center of a metropolitan area with more than 1 million. The city is known for its history and significance dating back to colonial America as well as its architecture and culture. Albany was among the cheapest cities in terms of motorcycle insurance rates. Quotes for out sample policy and rider were 5.5% lower than the state average. 

Most Expensive Motorcycle Insurance in New York

Perhaps not surprisingly, the five places with the most expensive motorcycle insurance in New York are all located within New York City. Three areas sampled are within the borough of Queens and the others are two separate boroughs. Urban areas tend to have higher motorcycle insurance rates, as we've seen in our studies.

RankCityAverage Annual RateDifference vs State Average
1 New York City   $1,486 176.7%
2 Newburgh  1,444 168.9%
3 Mattituck   1,044 94.4%
4 Mineola  892 66.1%
5 Lawrence  876 63.2%

*Average annual rates have been rounded to nearest whole dollar.

New York, NY

New York City has the most expensive rates in New York state. It also is the largest ciy in the U.S., so we gathered quotes for 88 neighborhoods across its five boroughs to get the best picture of how much residents are paying for motorcycle insurance. The results showed the average motorcycle insurance rate for our sample policy was $1,486 in New York City. That's more than 2x the average cost of the average annual premium for the state. Below is the average motorcycle insurance rate in each of the five boroughs, as well as the city and state averages.

A ValuePenguin study found that while New York City had the most expensive motorcycle insurance rates in New York, the city's boroughs had relatively similar premiums quoted for a sample policy and rider.

*Average annual rates have been rounded to nearest whole dollar.

The five boroughs each have distinct cultural, business, and geographic landscapres but have relatively similar average motorcycle insurance costs. We broken down the small difference for each borough below and included some of the things that makes each one unique. 


Brooklyn is the most populous of the five New York City boroughs and has more than 2.6 million residents. It also shares the same boundries with Kings County, which is the second most densely populated county in the U.S. behind New York County. Brooklyn has garnered many "cool and hip" individuals to its many eclectic neighborhoods in recent years and it is as culturally diverse as any city. Nearly 40% of it's residents are foreign born and its population speaks as many as 200 different languages. The borough also has world-class museums, neighborhood architecture and parks. Motorcycle insurance in Brooklyn is 0.43% lower than the New York City average.


Manhattan is coterminous with New York County, the second smallest, but most densely populated county in the U.S., and has an estimated 1.6 million residents. It is comprised mostly of Manhattan Island and is home to the world's two largest stock exchanges, numerous media comglomerates and the significant presence of other major companies. As a result, Manhattan (and New York City) is commonly called the most economically powerful and the leading financial center of the world. Real estate in Manhattan is among the most expensive in the world and largely charaterizes its many distinct and historical neighborhoods. Premiums quoted in our study of Manhattan were 0.18% lower than the city average.


In 1898, Queens became a borough of New York City and today it is the most-populous borough of the five with an estimated 2.3 million residents. It has diverse housing that includes high rise residential buidlings and suburban single-family homes. Queens also is home to two of the world's busiest airports: JFK International and LaGuardia Airport. There are dozens of neighborhoods in the borough of Queens and residents frequently identify with the one they live in. Nearly half of everyone who lives in Queens is foreign born, making for a diverse population that speaks many different languages. Motorcycle insurance quotes in Queens were 0.41% higher than the average of the five boroughs.

Staten Island

Staten Island is not nearly as densely populated as the other boroughs but the north shore has urban neighborhoods. New York MTA buses have routes on Staten Island, and the borough has its own rail system, but the subway does not connect to the borough. The Staten Island Ferry that connects lower Manhattan to the island is heavily used by commuters and also a popular tourist activity. The view of Staten Island from author George R.R. Martin’s childhood home in Bayonne, NJ was the inspiration for King’s Landing in his popular book series Game of Thrones. Staten Island's sample motorcycle insurance policy premiums were only slightly cheaper than the city's average. Rates in Staten Island were 0.05% lower than the New York City average.

The Bronx

The northernmost borough of New York City is the Bronx. In the 1960s and 1970s, there was a sharp decline in population of the south Bronx but people have returned to the area over the last few decades. The Co-op City neighborhood in the Bronx is home to the largest cooperative housing development in the world. The Bronx Zoo is one of the largest in the country and the borough is home to perhaps the most recognizeable sports franchise in the world: Major League Baseball's New York Yankees. The Bronx had the least affordable motorcycle insurance rates in New York City, with rates 0.83% higher than the city average.

Newburgh, NY

The place in New York state with the second most-expensive motorcycle insurance premiums is Newburgh. The city located 60 miles north of New York City has part of its metropolitan area and served as the headquarters for the Continental Army during the American Revolutionary War. Today, Newburgh has more than 28,000 residents who are slowly renovating historic homes and improving the city's downtown. Motorcycle insurance rates in Newburgh are more than 2.5x the average cost in the state of New York.

Mattituck, NY

Mattituck is a census-designated place in Suffolk County, New York in western Long Island. It has a population of more than 4,200 residents and only one of two harbors on the north side of Long Island. The Mattituck Inlet runs through the middle of the hamlet and is surrounded by more than 30 Long Island vineyards. It also hosts an annual Strawberry festival on Father's Day. Mattituck has some of the most expensive motorycle insurance premiums in the Empire State. Rates collected in our study were 94.4% higher than the state's average cost for our sample policy.

Mineola, NY

The Incorporated Village of Mineola has a population of more than 19,000 residents and is located in the the town of North Hampstead. It has been home to a long list of now famous individuals, including actor Kevin James and political commentator Bill O'Reilly. It has long been a bedroom community of New York City and has some of the most expensive motorcycle insurance in the U.S. The cost of our sample policy was 66.1% higher than the state average.

Lawrence, NY

Lawrence is a village in Nassau County and located just southwest of John F. Kennedy International Airport. It's large private properties go all the way back to the plantations that operated there during the American Revolution and many later became vacation spots for the wealthy. Shoe designer and prominent fashion businessman Steve Madden grew up in Lawrence, which is home to about 6,400 residents, and a growing Jewish popuation has led to the opening of numerous Kosher restaurants. Motorcycle insurance rates in the village were 63.2% higher than the New York average.

Average Motorcycle Insurance Rates In New York: By City

This comparative study of motorcycle insurance premiums in New York was done by gathering and analyzing quotes from five major carriers across 76 municipalities and census designated places. Our analysis showed premiums quoted for the most expensive place were more than 4x the cost of the cheapest. The average annual cost of motorcycle insurance for our profiled 45 year old rider was $537 for the year.

ValuePenguin analyzed motorcycle insurance quotes from five major carriers in New York for a sample policy and rider and found the average premium in the state was $537.

*Average annual rates have been rounded to nearest whole dollar.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 76 municipalities and census-designated places in the state of New York in order to find the best motorcycle insurance. The quotes we gathered were from five major carriers: Progressive, Nationwide, GEICO, Dairyland and Markel. 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 RateDifference vs State Average
51 Albany  $566 5.5%
52 Amherst  566 5.5%
67 Amityville  863 60.6%
30 Amsterdam  395 -26.5%
1 Auburn  353 -34.2%
66 Babylon  846 57.5%
23 Bath  382 -28.8%
33 Binghamton  399 -25.8%
59 Buffalo  633 17.9%
24 Callicoon  382 -28.8%
2 Cold Spring  353 -34.2%
10 Cooperstown  372 -30.7%
11 Corning  372 -30.7%
3 Dunkirk  353 -34.2%
61 East Hampton  818 52.4%
38 Ellenville  412 -23.2%
35 Ellicottville  407 -24.2%
17 Elmira  379 -29.5%
18 Fulton  379 -29.5%
71 Garden City  873 62.5%
19 Geneva  379 -29.5%
27 Glens Falls  386 -28.1%
28 Gloversville  386 -28.1%
20 Herkimer  379 -29.5%
36 Hornell  407 -24.2%
22 Ithaca  381 -29.1%
31 Kingston  395 -26.5%
72 Lawrence  876 63.2%
21 Le Roy  379 -29.5%
46 Lewisboro  473 -11.9%
68 Lindenhurst  866 61.3%
8 Little Falls  356 -33.7%
69 Massapequa  866 61.3%
74 Mattituck  1,044 94.4%
9 Mayville  356 -33.7%
70 Melville  866 61.3%
39 Middletown  446 -16.9%
32 Millerton  395 -26.4%
73 Mineola  892 66.1%
53 Nanuet  566 5.5%
25 Narrowsburg  382 -28.8%
54 New City  566 5.5%
New York Average 537 0.00%
76 New York City 1,486 176.7%
4 Newark  353 -34.2%
75 Newburgh  1,444 168.9%
45 Niagara Falls  469 -12.7%
5 Norwich  353 -34.2%
55 Nyack  566 5.5%
6 Olean  353 -34.2%
12 Oneida  372 -30.7%
13 Oneonta  372 -30.7%
40 Orchard Park  446 -16.9%
14 Oswego  372 -30.7%
60 Pelham  633 17.9%
29 Plattsburgh  394 -26.6%
48 Port Chester  497 -7.4%
34 Poughkeepsie  406 -24.4%
49 Rochester  506 -5.8%
37 Rome  412 -23.3%
44 Rye Brook  462 -14.0%
62 Sag Harbor  818 52.4%
43 Saratoga Springs  449 -16.3%
26 Schenectady  384 -28.6%
63 Setauket  818 52.4%
64 Southampton  818 52.4%
41 Syracuse  446 -16.9%
56 Tonawanda  566 5.5%
47 Troy  479 -10.7%
42 Utica  449 -16.4%
15 Watertown  372 -30.7%
16 Wellsville  372 -30.7%
57 West Seneca  566 5.5%
7 Westfield  353 -34.2%
65 Westhampton  818 52.4%
50 White Plains  513 -4.4%
58 Williamsville  566 5.5%

*Average annual rates have been rounded to nearest whole dollar.

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