Who Has The Cheapest Motorcycle Insurance Quotes In Ohio?

The Buckeye State is known for being one of the best places to ride a motorcycle with plenty of roads through open plains as well as forests. To see who in the state has the best rates, we gathered motorcycle insurance quotes from five major carriers for a 45-year-old male rider (bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage). Our study showed the most expensive place cost 2.7x more than the cheapest insurer in Ohio.

Cheapest Motorcycle Insurance In Ohio

We compared quotes from five major companies in Ohio for a sample rider and policy, which showed that GEICO had the best motorcycle insurance rates. The average annual premium quoted by the Berkshire Hathaway company was only $215 – well below the four others we gathered data for. We consider GEICO to be one of the best motorcycle insurance companies.

Using a sample policy and rider, ValuePenguin found GEICO had the best motorcycle insurance quotes in Ohio out of a group of five major carriers.

Esurance, an Allstate company, and Nationwide, which is headquartered in Ohio, both had quotes below the state average. Esurance and Nationwide quoted premiums of $427 and $454, respectively. The companies with the two most expensive average premium for our sample policy and rider were Dairyland and Progressive, which quoted rates of $585 and $589, respectively.

Best Motorcycle Insurance Rates In Ohio: By City

The five places with the cheapest motorcycle insurance rates in Ohio are all located outside either Dayton or Cincinnati. It is common for the cheapest municipalities or census-designated places to be just outside larger cities. In Ohio, the place with the best motorcycle insurance rates was Batavia, where quotes for our sample policy were 16.6% lower than the average cost of motorcycle insurance in Ohio.

Rank

CityAverage Annual RateDifference vs State Average
1Batavia$381-16.6%
2Lebanon387-15.3%
3Middletown387-15.3%
4Vandalia399-12.8%
5Hamilton401-12.2%

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

Batavia, OH

The place with the best motorcycle insurance rates in Ohio is the township of Batavia. Located in Clermont County, Batavia has about 1,500 residents and was once home to a Ford Motor Company plant that built transmissions. Today, it is still home to Clermont Steel Fabricators, which manufactures tracks and supports for roller coasters. Motorcycle insurance premiums are more affordable there than any other place in the Buckeye State. Rates for our sample motorcycle insurance policy were 16.6% lower than the state average.

Lebanon, OH

The city of Lebanon is within Cincinnati metropolitan area and has a population of more than 20,000 residents. “The Cedar City” has historical landmarks, a downtown shopping area and prolific arts enjoyed by tourists. It also has some of the most affordable motorcycle insurance rates in Ohio. Our study found premiums for the sample policy were 15.3% lower than the state average.

Middletown, OH

With a number of local annual festivals and the nearby attractions of the city of Cincinnati, Middletown is favorable place to live. A long list of notable professional athletes, politicians and other cultural figures are from the city of roughly 50,0000 residents. Motorcycle insurance rates in Middletown are some of the cheapest in Ohio - quotes for our sample policy also were 15.3% lower than than the Ohio average.

Vandalia, OH

The city of Montgomery County is a suburb of Dayton and adjacent to the Dayton International Airport. It has more than 15,200 residents, including at one point Roger Clemens, one of the most decorated Major League Baseball players in history, who lived in Vandalia until he was 15. Those who still live there have some of the best motorcycle insurance premiums in the state. Rates in Vandalia are 12.8% lower than Ohio average.

Hamilton, OH

Hamilton is a city just north of Cincinnati and split by the Great Miami River. More than 62,000 people live in Hamilton. Abraham Lincoln visited the city in 1859 to speak and give support for William Dennison, a Republican running for Governor of the state. Today, the city is home to business and cultural opportunities, as well as a satellite campus for Miami University. It also has some of the cheapest motorcycle insurance rates in Ohio. Quotes for the sample policy were 12.2% lower than the state average.

Most Expensive Motorcycle Insurance In Ohio

The five places with the most expensive motorcycle insurance quotes in Ohio include or are nearby Cleveland, or are smaller cities in rural areas. The place with the most expensive rates was Cleveland, where quotes for our sample policy were 55.3% higher than the Ohio average.

Rank

CityAverage Annual RateDifference vs State Average
1Cleveland$71055.3%
2Cleveland Heights67447.4%
3Lakewood65142.5%
4Athens63538.9%
5Washington Court House56924.5%

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

Cleveland, OH

The place with the most expensive motorcycle insurance in Ohio is the city of Cleveland. The city located on the shore of Lake Erie has about 390,000 residents and an extensive suburban sprawl from a reviving downtown. The Cuyahoga River winds through the city, which is known for its industrial history, professional sports teams and a budding global city. Cleveland’s motorcycle insurance rates are the most expensive in the state, with quotes for the sample policy 55.3% higher than the state average.

Cleveland Heights, OH

Cleveland Heights is an independent city and an inner-ring suburb of the city of Cleveland. It has more than 46,000 residents and is nearby University Circle, only 40 minutes from Cleveland Hopkins International Airport and filled with local parks, making it a desirable place to live. However, it has expensive motorcycle insurance premiums. Quotes for our sample rider's policy were 47.4% higher than the state average.

Lakewood, OH

Another city that is part of Greater Cleveland, Lakewood is home to more than 52,000 residents and has a higher population density in the state of Ohio. It is home to a large number of high rise residential buildings but also has many independent single-family homes and is nicknamed the “City of Beautiful Homes.” Lakewood has some of the most expensive insurance rates for bike riders. Motorcycle insurance in Lakewood is 42.5% higher than the state average.

Athens, OH

Located along the Hocking River in the southeast corner of the state, Athens is known as a college town and for being the home to Ohio University. It has a population of roughly 24,000 residents and also was known for being one of the larger mining towns in the mid-20th century. Residents and students alike enjoy the local trails and other outdoor recreation near Athens but might be sad to learn that motorcycle insurance rates are some of the highest in the state. Our study showed motorcycle insurance quotes were 38.9% higher in Athens than the state average.

Washington Court House, OH

West of Dayton and south of Columbus, Ohio is the city of Washington Court House. It is commonly shortened to “Washington C.H.” and has about 14,000 residents. The city grid in Washington Court House is unique. Instead of streets running north-south and east-west, it was laid at an angle to allow sunlight to reach every sides of the city courthouse. Motorcycle insurance in Washington Court House is some of the least affordable in Ohio. Rates for our study's sample policy were 24.5% higher than the state average.

Average Cost of Motorcycle Insurance In Ohio: By City

This comparative study of motorcycle insurance premiums in Ohio was done by gathering and analyzing quotes from five major carriers across 130 cities. Our analysis showed premiums quoted for the most expensive place were 86% higher than the cost of the cheapest.

ValuePenguin found the average motorcycle insurance rate in Ohio for a sample policy and rider was $457.

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

Ohio Motorcycle Insurance Requirements

Like all states, with the exception of Washington and Florida, Ohio requires motorcyclists to maintain a minimum amount of liability insurance in order to legally ride. Below, we've included a breakdown of the required coverages for motorcycle insurance in Ohio.

Coverage Type

Required Limit
Bodily Injury Liability$25,000 per person / $50,000 per accident
Property Damage Liability$25,000 per accident

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 130 municipalities and census-designated places in the state of Ohio. The quotes we gathered were from five major carriers - Progressive, Nationwide, GEICO, esurance and Dairyland. 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 we gathered quotes for was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

CityAverage Annual RateDifference vs State Average
124Akron56023.1%
121Alliance53417.1%
115Antwerp50010.1%
116Archbold50510.1%
105Ashland4785.1%
103Ashtabula4764.1%
127Athens63539.1%
104Aurora4764.1%
106Barberton4815.1%
1Batavia381-17.1%
63Beavercreek449-2.1%
61Bellefontaine442-3.1%
41Bellevue432-5.1%
23Bowling Green418-9.1%
70Bryan452-1.1%
52Buckeye Lake436-5.1%
42Bucyrus432-5.1%
40Cadiz430-6.1%
51Cambridge435-5.1%
117Canton50811.1%
71Carey452-1.1%
74Carrollton453-1.1%
56Celina438-4.1%
114Chagrin Falls4999.1%
113Chillicothe4918.1%
81Cincinnati4590.1%
92Circleville4662.1%
130Cleveland71055.1%
129Cleveland Heights67447.1%
122Columbus54119.1%
79Cortland4580.1%
95Coshocton4693.1%
111Dayton4917.1%
17Defiance415-9.1%
18Delaware415-9.1%
19Delphos415-9.1%
31East Liverpool425-7.1%
7Eaton404-12.1%
35Elyria429-6.1%
75Englewood4550.1%
76Fairborn4550.1%
39Fairfield430-6.1%
64Findlay449-2.1%
50Fostoria434-5.1%
88Fremont4662.1%
125Galion56423.1%
118Gallipolis51914.1%
100Georgetown4713.1%
96Granville4693.1%
59Greenville439-4.1%
5Hamilton401-12.1%
110Hicksville4836.1%
24Hillsboro418-9.1%
85Hubbard4621.1%
82Huber Heights4621.1%
107Ironton4826.1%
108Jackson4826.1%
25Kenton418-9.1%
128Lakewood65143.1%
67Lancaster449-2.1%
2Lebanon387-15.1%
91Lisbon4662.1%
77Logan4570.1%
12London407-11.1%
43Lorain432-5.1%
58Mansfield438-4.1%
123Marietta54519.1%
30Marion424-7.1%
16Marysville413-10.1%
29Mason420-8.1%
97Massillon4703.1%
78McConnelsville4570.1%
44Medina432-5.1%
3Middletown387-15.1%
72Millbury452-1.1%
49Mount Vernon433-5.1%
26Napoleon418-9.1%
13New Carlisle407-11.1%
45New London432-5.1%
46New Philadelphia432-5.1%
60Newark441-4.1%
47Norwalk432-5.1%
Ohio Average4572700.1%
27Ottawa418-9.1%
102Ottawa Hills4744.1%
6Oxford401-12.1%
53Pataskala436-5.1%
28Paulding418-9.1%
68Perrysburg452-1.1%
34Pickerington429-6.1%
14Piqua407-11.1%
109Pomeroy4826.1%
99Port Clinton4703.1%
93Portsmouth4662.1%
33Ravenna428-6.1%
62Ripley442-3.1%
69Rossford452-1.1%
15Saint Marys409-11.1%
83Salem4621.1%
86Sandusky4642.1%
89Shelby4662.1%
57Sidney438-4.1%
54Springfield436-5.1%
98Steubenville4703.1%
94Stow4672.1%
120Struthers52816.1%
65Stryker449-2.1%
90Sunbury4662.1%
66Tiffin449-2.1%
80Tipp City4580.1%
101Toledo4713.1%
8Troy404-12.1%
20Upper Sandusky415-9.1%
9Urbana404-12.1%
21Van Wert415-9.1%
4Vandalia399-13.1%
11Wapakoneta406-11.1%
73Warren453-1.1%
126Washington Court House56925.1%
119Waverly51914.1%
36Wellington429-6.1%
87West Union4662.1%
22West Unity415-9.1%
84Westlake4621.1%
37Willard429-6.1%
32Willoughby427-7.1%
10Wilmington404-12.1%
38Wooster429-6.1%
55Xenia436-5.1%
112Youngstown4918.1%
48Zanesville432-5.1%

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

Comments and Questions