The Best Cheap Motorcycle Insurance in Ohio

Harley-Davidson offers the cheapest motorcycle insurance in Ohio, at $15 per month for full coverage.

Dairyland also offers coverage for $15 per month, tying with Harley-Davidson for the cheapest coverage, but Harley has better customer service and coverage options.

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Best cheap OH motorcycle insurance

To help you find the best cheap motorcycle insurance in Ohio, ValuePenguin collected quotes across 49 of the largest cities in the state.

Our experts rated the best motorcycle insurance companies in OH 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 Ohio

Harley-Davidson and Dairyland have the most affordable motorcycle insurance rates in Ohio.

A full coverage policy from Harley-Davidson or Dairyland costs around $15 per month, which is 44% cheaper than the Ohio average.

Average costs of the most affordable motorcycle insurance companies in Ohio

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The average cost of motorcycle insurance in Ohio is $27 per month. Riders in Ohio pay 18% less for motorcycle insurance than the national average, which is $33 per month.

Cheapest motorcycle insurance companies in Ohio

Company
Monthly rate
Dairyland logo
Dairyland
$15
Harley-Davidson Insurance logo
Harley-Davidson
$15
Progressive logo
Progressive
$19
Geico logo
Geico
$20
Allstate logo
Allstate
$33
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Best for most riders: Harley-Davidson

  • Editor rating

  • Monthly rate

    $15 ?

Pros and cons

  • Cheapest quotes in Ohio
  • Coverage options for accessories and travel expenses
  • Reliable customer service
  • Only sells motorcycle insurance

Harley-Davidson has the best motorcycle insurance for most riders in Ohio. It offers the cheapest rates in the state, charging $15 per month for full coverage insurance. That's $12 per month less than the average across Ohio.

Customers tend to be very satisfied with the customer service they receive from Harley-Davidson, as the company receives almost no complaints about things like claims processing or quotes.

Harley-Davidson Insurance only sells motorcycle coverage, which has its pros and cons.

Harley-Davidson specializes in motorcycle insurance, so riders who need particular motorcycle coverages will almost certainly find what they're looking for. The company offers extra protection for custom accessories and trailers, plus coverage for a rental and trip reimbursement. These coverages can be essential if you use your motorcycle for long-distance touring and don't want to be stranded far from home.

Harley-Davidson's specialization means people who also need auto or homeowners insurance will need to go elsewhere to buy it. That requires passing up a potential bundle discount, which is one of the biggest savings opportunities insurers offer.

Bundling your policies also makes managing your insurance more convenient, and some companies offer other benefits (such as a shared deductible, if your bike is damaged in a house fire) to customers who bundle.


Best for bundling: Progressive

  • Editor rating

  • Monthly rate

    $19 ?

Pros and cons

  • Affordable motorcycle insurance rates
  • Strong customer service
  • Basic policy comes with extra coverage
  • No rental reimbursement

Riders who want to bundle their motorcycle insurance with an auto or homeowners policy should consider Progressive. It has great coverage options and competitive rates, and it offers a bundle discount for buying home or auto insurance alongside your motorcycle policy.

The average price at Progressive is $19 per month for full coverage. That's 29% cheaper than the state average but $4 per month more expensive than Harley-Davidson Insurance.

However, you can reduce your rate — and save time managing your insurance — by bundling your Progressive motorcycle insurance with a home or car insurance policy. Other Progressive discounts include those for being a member of the Harley Owners Group (HOG) and taking safety classes.

With Progressive's motorcycle insurance, you get replacement cost protection with a standard policy for two years after you buy your bike. If you experience a loss, replacement cost coverage reimburses you for the full amount without considering your property's depreciation. Additionally, Progressive's motorcycle insurance includes coverage for original equipment manufacturer parts and $3,000 for replacing or repairing accessories and custom parts.

The provider also has some of the best customer service of the companies we surveyed. It receives about one-third fewer complaints than a typical insurance company, relative to its size. That suggests customers are usually happy with the service they receive.


Best for military families: USAA

  • Editor rating

  • Monthly rate

    $18 ?

Pros and cons

  • Top customer service
  • Lots of coverage options
  • Only available to military members, veterans and certain family members

Bikers with military ties should look at rates from USAA.

USAA doesn't sell its own motorcycle insurance. Instead, it partners with Progressive to offer excellent coverage and cheap rates.

However, only military members, veterans and certain family members can buy insurance from USAA.

USAA members get an additional 5% discount off Progressive motorcycle insurance. That works out to $18 per month for full coverage, which is 33% cheaper than the Ohio average.

Progressive has excellent coverage options, many of which are included as standard with the policy. For example, all riders get $3,000 of accessory coverage for free.

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 Ohio by city

Riders in Bowling Green, Delaware, Findlay, Lima and Marion have the cheapest motorcycle insurance quotes among major Ohio cities, averaging $17 per month for full coverage.

Cleveland, Lakewood, Perrysburg and Toledo are tied for the most expensive motorcycle insurance in the state, with an average of $28 per month.

Full coverage motorcycle insurance rates in Ohio by city

City
Monthly cost
% from average
Akron$19-31%
Alliance$19-31%
Athens$19-29%
Barberton$19-31%
Beavercreek$18-33%
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The cost of motorcycle insurance varies a moderate amount in Ohio. The cheapest cities are about one-third less expensive than the most expensive cities.

Ohio motorcycle laws

All motorcycle riders in Ohio must have insurance. You're only legally required to have liability insurance; coverage for your own injuries, comprehensive and collision are all optional.

Ohio motorcycle insurance requirements

Ohio motorcycle helmet laws

Ohio requires some motorcycle riders to wear helmets. Motorcyclists under 18 or who have been licensed for under one year must wear helmets. And if the person operating the bike is required to wear a helmet, any passengers have to wear one, too.


Frequently asked questions

How much is motorcycle insurance in Ohio?

The average cost of motorcycle insurance in Ohio is $27 per month, or $320 per year, for a full coverage policy.

Do I need insurance for a motorcycle in Ohio?

Yes, motorcycle insurance is required for riders in Ohio. You will need at least $25,000 of bodily injury liability per person and $50,000 per accident. You will also need to get $25,000 of property damage liability.

What company has the cheapest motorcycle insurance in Ohio?

Harley-Davidson has the cheapest motorcycle insurance in Ohio, at $15 per month for full coverage. That's 44% cheaper than the Ohio state average.

How much does motorcycle insurance cost in Columbus?

The average cost of motorcycle insurance in Columbus is $20 per month for full coverage. That's 27% less than the state average.


Methodology

To find the cheapest motorcycle insurance in Ohio, ValuePenguin collected 350 motorcycle insurance quotes from seven major motorcycle insurance companies across 49 of the largest cities in the 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.