Who Has the Cheapest Motorcycle Insurance in Oregon?
Progressive has the cheapest motorcycle insurance in Oregon, at $19 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Oregon
Best cheap Oregon motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance companies in Oregon
Progressive has the best price for motorcycle insurance in Oregon.
Progressive charges an average of $19 per month for full coverage motorcycle insurance in Oregon. That's 41% less than the state average.
Compare Motorcycle Insurance Quotes From Oregon
Cheapest motorcycle insurance quotes in OR
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $19 | |
| Dairyland | $23 | |
| Harley-Davidson | $28 | |
| Nationwide | $39 | |
| Geico | $40 | |
| Allstate | $43 | |
Best for most people: Progressive
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Editor's rating
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Cost: $19/month
Overview
Pros/Cons
Progressive's low rates, excellent coverage and limited customer complaints make it the best choice for most Oregon riders.
Overview
Progressive's low rates, excellent coverage and limited customer complaints make it the best choice for most Oregon riders.
Pros/Cons
Pros:
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Cheapest quotes in Oregon
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Reliable customer service
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Full coverage includes extra protection
Cons:
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No rental reimbursement
Progressive's low rates, excellent coverage and limited customer complaints make it the best choice for most Oregon riders.
Pros:
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Cheapest quotes in Oregon
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Reliable customer service
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Full coverage comes with extra protection
Cons:
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No rental reimbursement
Progressive offers the top motorcycle insurance in Oregon. It has the cheapest rates in the state, plus great customer service and coverage options.
Oregon riders can count on Progressive to get them back on the road quickly after an accident.
The company gets one-third as many complaints as an average company its size. That means customers are typically happy with the service and claims process at Progressive.
In addition, full coverage motorcycle insurance from Progressive comes with coverage that most companies charge extra for. This includes:
- Full replacement cost for parts, which pays to fix your motorcycle with brand new parts after an accident — even if it had prior wear and tear.
- Original manufacturer parts (OEM) coverage, which guarantees Progressive will repair your bike using parts from its original manufacturer or the best parts available, as opposed to cheaper after-market parts.
- $3,000 of custom parts and accessories coverage, which protects customizations to your bike, such as after-market handlebars or saddlebags.
Progressive also has a great range of coverage add-ons for Oregon riders, including roadside assistance and coverage for carried contents, like tents or GPS equipment.
Progressive doesn't offer rental reimbursement, which pays for a rental vehicle while your bike is in the shop after an accident. If this coverage is important to you, you should consider Dairyland instead.
However, it may be worth foregoing rental reimbursement to take advantage of Progressive's great rates, especially if you want any of the coverage extras it includes for free.
Best for daily riders: Dairyland
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Editor's rating
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Cost: $23/month
Overview
Pros/Cons
Dairyland offers affordable rates and helpful coverage if your motorcycle is your main way to get around.
Overview
Dairyland offers affordable rates and helpful coverage if your motorcycle is your main way to get around.
Pros/Cons
Pros:
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Low rates
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Offers rental reimbursement and roadside assistance
Cons:
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Average customer service
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Limited discounts
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Can't bundle with home or renters
Dairyland offers affordable rates and helpful coverage if your motorcycle is your main way to get around.
Pros:
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Low rates
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Offers rental reimbursement and roadside assistance
Cons:
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Average customer service
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Limited discounts
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Can't bundle with home or renters
Dairyland is the best choice in Oregon if your motorcycle is your main vehicle. That's because it offers rental reimbursement and roadside assistance, which can help keep your life on track if something happens to your bike.
- Rental reimbursement pays for a rental car while your motorcycle is in the repair shop after an accident.
- Roadside assistance pays for 24 hour towing and other emergency services if your motorcycle breaks down on the side of the road. With Dairyland, this includes locksmith services, flat tire replacement, battery jumpstart, fuel and oil delivery.
Dairyland also has some of the cheapest motorcycle insurance in Oregon. At $23 per month, a full coverage policy from Dairyland costs 28% less than the statewide average.
However, Dairyland doesn't offer as many discounts as many other companies.
For example, the company doesn't offer a discount for making payments automatically or having an alarm on your motorcycle, which are common with other companies. In addition, because Dairyland doesn't sell home or renters insurance, you'll miss out on a discount for bundling these policies with your motorcycle insurance.
But, you can save money if you own your home or belong to a riding group, like H.O.G.
The main downside of choosing Dairyland is that its customer service is just average. You'll probably have a faster, easier claims experience after an accident if you choose a company with better reviews, like Progressive or Geico.
Best for discounts: Harley-Davidson
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Editor's rating
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Cost: $28/month
Overview
Pros/Cons
Harley-Davidson offers lots of discounts and coverage add-ons to customize your policy.
Overview
Harley-Davidson offers lots of discounts and coverage add-ons to customize your policy.
Pros/Cons
Pros:
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Numerous discounts
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Lots of coverage add-ons
Cons:
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Rates are just average
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Can't bundle with auto or home
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Poor customer service
Harley-Davidson offers lots of discounts and coverage add-ons to customize your policy.
Pros:
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Numerous discounts
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Lots of coverage add-ons
Cons:
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Rates are just average
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Can't bundle with car or home insurance
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Poor customer service
Harley-Davidson offers 13 discounts to help lower your motorcycle insurance bill. This is important because without these discounts, Harley-Davidson's rates are fairly average at $28 per month.
Still, it's likely that you'll qualify for at least a few discounts with Harley, as many of them are easy to get. For example, you can save money if you have a valid motorcycle license or endorsement, own your home, are an experienced rider or install an alarm on your bike.
Harley-Davidson also offers numerous coverage add-ons to customize your protection.
You can add popular coverages like rental reimbursement and roadside assistance. Harley-Davidson also offers less-common add-ons, like trip interruption and vacation rental coverage.
Harley-Davidson's main drawback is its poor customer service. The company gets 64% more complaints than an average insurance company its size. This means it may take longer for Harley-Davidson to fix your motorcycle after an accident.
In addition, you can't buy auto, home or renters insurance from Harley-Davidson, so you'll miss out on a bundle discount.
It could also make your life more difficult if you have to file multiple claims for the same incident, like a home fire that damages your motorcycle in the garage.
Oregon motorcycle insurance: Costs by city
Portland and nearby suburb Gresham are the most expensive major cities in Oregon for motorcycle insurance.
Riders in these areas pay an average of $39 per month for full coverage. This is likely because Portland and Gresham are densely populated, which leads to more accidents and motorcycle thefts.
A handful of cities and towns throughout the state share the cheapest rates, compared to many of those in the Portland metro area. These include Eugene, Medford and Grants Pass, where motorcycle insurance costs around $28 per month.
Average motorcycle insurance cost in OR by city
City | Monthly cost | % from average |
|---|---|---|
| Albany | $32 | -1% |
| Ashland | $28 | -11% |
| Beaverton | $33 | 4% |
| Bend | $30 | -8% |
| Canby | $34 | 6% |
Oregon motorcycle insurance requirements
Motorcycle insurance is mandatory in Oregon, and you’ll need to have a policy with at least 25/50/20 of liability coverage. You’re also required to have uninsured motorist coverage, which pays your own medical bills if the other driver in an accident doesn't have coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Insurance companies typically won't sell you less coverage than the legal minimum in Oregon, so you don't need to worry about accidentally buying too little coverage.
However, it's always a good idea to buy more than the minimum amount of coverage, which is often not enough to fully protect you in a crash.
How do you get a motorcycle license in Oregon?
Anyone who has a current driver's license in Oregon can apply for a motorcycle license.
This means you’re required to be 16 or older, have residency in Oregon and a passing score on the driving knowledge and skills tests.
To get a motorcycle license in Oregon, you’ll have to take a rider education course by Team Oregon, a state-sponsored motorcycle education organization. If you're a beginner, you can take a course that covers in-class basics as well as how to ride a motorcycle. More advanced riders can take a less expensive intermediate course.
After you've finished the course, you can take your completion certificate to the DMV to get your license. The mandatory Team Oregon class covers the "on-road" portion of the motorcycle test. Unlike in other states, there's no separate road test available.
If you took the beginner class, you'll only take a vision test once you get to the DMV. However, riders who opt for the intermediate class will also need to take a written knowledge test.
Methodology
To find the best cheap motorcycle insurance in New York, ValuePenguin collected 175 quotes across 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, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
To select the best motorcycle insurance in Oregon, ValuePenguin editors considered company rates, plus coverage and discount options, and quality of customer service.
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
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.