The Best Cheap Motorcycle Insurance in Ohio

The Best Cheap Motorcycle Insurance in Ohio

Motorcycle insurance in Ohio is required, but it doesn't have to break the bank. We collected hundreds of motorcycle insurance quotes from across Ohio and determined the cheapest annual rate for insurance was $321.

Compare Motorcycle Insurance Quotes From Providers in Ohio

Currently insured?

We compared offerings, customer service and price and found providers that offer the most complete coverage while remaining affordable for many riders. Continue reading our analysis of Ohio's top motorcycle insurance companies, or use the secure quote box above to get in touch with a provider near you.

Best for most people: Progressive

Progressive is the best motorcycle insurance for riders in Ohio due to its great balance of affordability, complete coverage and service.
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We believe that the best choice for motorcycle insurance for most people in Ohio is Progressive. Its complete coverage, affordable average price and positive reviews make it a standout among other providers in the state.

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

For this level of coverage, Progressive doesn't charge the cheapest rates in the state. However, its average price of $551 per year is still 11% less than Ohio's statewide mean. Progressive also offers a variety of easily achievable discounts, such as paying in full, switching from another provider and having a motorcycle license. These savings can further reduce the cost of your insurance policy.

The provider also has the best customer service of the companies we surveyed. Its complaint index of 0.47 from the National Association of Insurance Commissioners (NAIC) indicates that Progressive receives less than half the complaints than a typical insurer its size.

Best for cheap motorcycle insurance: Geico

Geico is the most affordable motorcycle insurance for riders in Ohio due to its low prices and good service, with potential for future savings.
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Geico has the cheapest motorcycle insurance in Ohio by a sizable amount. Its typical cost of coverage is $321 per year — 48% cheaper than the statewide average. Geico also has a fairly good customer service complaint index of 0.67, well below the number the NAIC uses to designate a regular insurer of the same size: 1.0.

You may be able to lower the cost of your motorcycle insurance even more by taking advantage of Geico's discounts. You could save money if you:

  • Insure multiple motorcycles
  • Have another policy with Geico
  • Meet an age threshold defined by your local representative
  • Complete a safety course
  • Renew your policy

While Geico's rates are impressive, it could be a good idea to consider another insurer if your bike has specialized needs. Despite Geico's impressive rates, it lacks the level of protection that we believe distinguishes the state's best insurer. Although you can purchase extra coverage for roadside assistance and accessories, you can't buy coverage for the total loss of your bike, original or custom parts replacement and you aren't able to upgrade with trip interruption for long journeys.

Best for motorcycle enthusiasts: Dairyland

Dairyland offers some of the most extensive coverage for motorcycles, making it a great option for motorcycle enthusiasts and collectors.
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If you're someone who's looking for the most extensive coverage for your motorcycle, we recommend considering Dairyland's motorcycle insurance. Dairyland offers the ability to easily customize each of your policy's limits and protections. You may be eligible for replacement cost coverage if your bike is 3 years old or newer. You may also add:

  • Expanded parts coverage for optional equipment
  • Roadside assistance
  • Trip interruption coverage
  • Damage plus coverage for original equipment.

The average price of a Dairyland policy is $676 per year, which is 9% more expensive than Ohio's statewide average. Additionally, riders may be able to reduce their insurance costs by qualifying for Dairyland's discounts. If you're an enthusiast, you may save money by insuring multiple bikes with the company, being affiliated with any of the riding groups on the insurer's approved list or completing a safety course, among other discounts.

However, Dairyland does have the lowest rated customer service among the providers we surveyed. The insurer has a 2.69 complaint index, meaning it receives more than double the complaints from its customers as a similarly sized company.

The best-reviewed motorcycle insurance companies in Ohio

It's important to consider more than a low price when shopping for motorcycle insurance. A company's customer service and its ability to pay out claims are integral qualities of the best companies. We collected complaint index scores from the NAIC and information about the financial strength of each company from AM Best.

Insurer
NAIC complaint index
AM Best Rating
Allstate0.63A+
Dairyland Insurance2.69A+
Geico0.67A++
Nationwide0.53A+
Progressive0.47A+
USAA0.85A++

The NAIC combines auto and motorcycle insurance into a single industry category. These complaint indexes are based on each company's premium dollars for both motorcycles and cars.

Cheapest motorcycle insurance in Ohio

In Ohio, we found that the cheapest insurance for motorcycles usually came from Geico, which offered quotes for an average of $321. This number is nearly 50% cheaper than the state's typical cost of coverage. Overall, it's less expensive on average to insure a motorcycle in Ohio than in other parts of the country. The average price of motorcycle insurance in Ohio is $620, while $702 is more typical across the United States.

A bar graph showing the average costs of motorcycle insurance in Ohio

Compare Motorcycle Insurance Quotes in Ohio

Currently insured?
Insurer
Annual cost
Difference from state average
Geico$321-48.2%
Progressive$551-11.1%
Nationwide$6769.0%
Dairyland Insurance$6769.0%
Allstate$87741.3%

What are Ohio's motorcycle insurance laws?

All motorcyclists in Ohio must have liability coverage. The state requires the same protection for automobile drivers, too. This protection covers costs if your driving results in bodily injury or property damage for someone else. All motorcycle drivers must also have an endorsement on their regular licenses or are required to carry separate motorcycle licenses.

Coverage type
Legal minimum in Ohio
Bodily injury$25,000 per person/$50,000 per accident
Death liability$25,000 per person/$50,000 per accident
Property damage$25,000

Ohio also requires some motorcycle drivers to wear helmets. Motorcyclists under 18 or who haven't been licensed for more than one year must wear helmets. Additionally, any passengers also have to wear helmets.

Motorcycle insurance costs: city-by-city breakdown

We calculated the average cost of insurance in Ohio's largest cities. For the cities in Ohio with over 25,000 people, we figured the average cost and compared it to the statewide mean.

City
Annual rate
Difference from statewide average
Akron$6464.0%
Alliance$6565.7%
Athens$70714.0%
Barberton$611-1.5%
Beavercreek$6474.2%
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Methodology

We gathered over 250 quotes for addresses across Ohio. All properties were owned by a hypothetical married 45-year-old man who drove a 2021 Harley-Davidson FLHX Street Glide. Our quotes contained these coverage limits:

  • 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

No variables affect the price of motorcycle insurance as much as the coverage you select, but the amount of time you've spent riding and your driving history can also play a role in determining your rates.

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.