The Best Cheap Motorcycle Insurance in Ohio
Dairyland and Harley-Davidson have the cheapest motorcycle insurance in Ohio, at $15 per month. But, Dairyland's great customer service makes it the best choice for most people.
Find Cheap Motorcycle Insurance Quotes in Ohio
Best cheap OH motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance in Ohio
Harley-Davidson and Dairyland have the most affordable motorcycle insurance rates in Ohio.
Full coverage from Harley-Davidson or Dairyland costs around $15 per month. That's 42% cheaper than the Ohio average.
Find Cheap Motorcycle Insurance Quotes in Ohio
The average cost of motorcycle insurance in Ohio is $26 per month. Riders in Ohio pay 19% less for motorcycle insurance than the national average, which is $32 per month.
Best cheap motorcycle insurance companies in Ohio
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $15 | |
| Harley-Davidson | $15 | |
| Progressive | $19 | |
| Geico | $20 | |
| Allstate | $33 | |
| Nationwide | $54 | |
Best for most riders: Dairyland
-
Editor's rating
-
Cost: $15/month
Overview
Pros/cons
Dairyland offers the best mix of cheap rates and reliable customer service in Ohio.
Dairyland's dependable customer service and cheap rates make it the best choice for most people.
Dairyland gets 4% fewer complaints than an average company its size. While that's not outstanding, it's better than other affordable companies, like Harley-Davidson.
Dairyland also offers helpful coverage add-ons if your motorcycle is your main vehicle.
You can add roadside assistance, which pays for towing and other emergency services, and rental reimbursement, which pays for a rental car after an accident. These coverages can help keep your life on track if something happens to your bike.
However, Dairyland doesn't offer as many ways to upgrade your protection as other companies. For example, you can't get trailer coverage from Dairyland. If you regularly travel with your motorcycle, you should consider Harley-Davidson or Progressive instead.
Best motorcycle insurance discounts: Harley-Davidson
-
Editor's rating
-
Cost: $15/month
Overview
Pros/cons
Harley-Davidson has the cheapest rates in Ohio, along with lots of discounts to help lower your bill even more.
Harley-Davidson has some of the cheapest rates in Ohio, at just $15 per month for full coverage.
Harley-Davidson also offers 13 discounts that can help you save on motorcycle insurance.
Some of these are very easy to get, including a discount for having a motorcycle endorsement or owning your home. You can also save money if you:
- Drive a brand-new motorcycle
- Are an experienced rider
- Are a member of Harley Owners Group (H.O.G.)
- Complete an H-D Riding Academy safety course
- Install an anti-theft device on your bike, like an audible alarm
- Insure multiple motorcycles with Harley-Davidson
- Buy other products from Harley-Davidson Insurance, like its planned maintenance package
- Are an active or retired military member or law enforcement officer
Harley-Davidson Insurance only sells motorcycle coverage, which has its pros and cons.
The company 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 means passing up a potential bundle discount, which is one of the biggest ways to save on insurance.
Bundling your motorcycle and renters or home insurance 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.
In addition, customers aren't always happy with the service they get from Harley-Davidson. It gets 64% more complaints than an average company its size. That means it may take longer to fix your bike after an accident if you choose Harley-Davidson.
Best for bundling: Progressive
-
Editor's rating
-
Cost: $19/month
Overview
Pros/cons
Progressive sells many types of insurance that you can bundle with your motorcycle coverage.
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 27% cheaper than the state average but $4 per month more expensive than Harley-Davidson and Dairyland.
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.
You can also save money by paying your bill in full, making automatic payments, being a member of Harley Owners Group (H.O.G.) and taking safety classes.
With Progressive's motorcycle insurance, you get replacement cost protection with a full coverage policy. If you're in an accident, replacement cost coverage reimburses you for the full cost of repairs without considering any wear and tear to your bike before the crash.
Progressive's motorcycle insurance also includes coverage for original equipment manufacturer parts and $3,000 for replacing or repairing accessories and custom parts.
Most insurance companies charge extra for these coverages. So if you need this type of protection, a Progressive policy may offer the best value for you.
Progressive also has some of the best customer service in Ohio. It gets about one-third fewer complaints than an average company its size. That suggests that you can count on Progressive to get your life back to normal quickly after an accident.
Average cost of motorcycle insurance in Ohio by city
Cleveland, the second-largest city in Ohio, has the most expensive motorcycle rates among the state's larger cities and towns.
Riders in Cleveland pay an average of $39 per month for full coverage insurance. Rates are typically highest in larger cities. That's because they have more traffic and higher crime rates, which can lead to more claims.
Lebanon and Mason have the cheapest motorcycle insurance quotes among major Ohio cities and towns, averaging $22 per month for full coverage.
Average motorcycle insurance cost in OH by city
City | Monthly cost | % from average |
|---|---|---|
| Akron | $27 | 5% |
| Alliance | $27 | 4% |
| Athens | $29 | 10% |
| Barberton | $26 | -1% |
| Beavercreek | $29 | 10% |
Ohio motorcycle insurance requirements
All motorcycle riders in Ohio must have insurance with a minimum amount of liability coverage, sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000
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 $26 per month for a full coverage policy. However, you can typically find cheaper rates at Dairyland, Harley-Davidson and Progressive.
Do motorcycles have to be insured in Ohio?
Yes, motorcycle insurance is required for riders in Ohio. You need at least $25,000 of bodily injury liability per person and $50,000 per accident. You also need $25,000 of property damage liability.
What company has the cheapest motorcycle insurance in Ohio?
Dairyland and Harley-Davidson have the cheapest motorcycle insurance in Ohio, at $15 per month for full coverage. That's 42% cheaper than the Ohio state average.
How much does motorcycle insurance cost in Columbus?
The average cost of motorcycle insurance in Columbus is $31 per month for full coverage. That's 21% higher than the state average.
Methodology
To find the cheapest motorcycle insurance in Ohio, ValuePenguin collected 300 motorcycle insurance quotes from six major motorcycle insurance companies across 50 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
- Medical payments: $5,000
- Collision and comprehensive deductible: $500
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
