Motorcycle insurance is required for riders in Pennsylvania, but it doesn't have to be expensive. After collecting hundreds of quotes from across Pennsylvania, we found that the cheapest motorcycle insurance company charges an annual rate of $395 for coverage.
Compare Motorcycle Insurance Quotes from Providers in Pennsylvania
To help you find the motorcycle insurance company that matches your needs, we compared some of Pennsylvania's best providers by checking their policies' features and customer service reputations in addition to prices. Use the secure quote box above to start comparing quotes from companies near you, or read on for our analysis of the state's other best motorcycle insurers.
Best motorcycle insurance for most people: Progressive
The best motorcycle insurance for most people in Pennsylvania is Progressive. While a standard policy from Progressive comes with replacement cost protection and $3,000 of parts coverage, you can also upgrade your coverage with the company's many endorsements:
- Roadside assistance
- An additional $3,000 of accessories or custom parts coverage
- Original equipment manufacturer protection
- Total loss coverage (up to two years)
- Carried contents protection
The average price of motorcycle insurance from Progressive is $395. This is over 40% cheaper than the typical cost in Pennsylvania. In this survey, this company also quoted the cheapest motorcycle insurance in the state. You might be able to reduce your premiums by taking advantage of any of the easily achievable discounts Progressive offers. You could see a lower price if you set up automatic payments, have a motorcycle license and simply for switching insurers.
Progressive's policyholders are generally satisfied with their claims service. The complaint index maintained by the National Association of Insurance Commissioners (NAIC) shows that Progressive receives about a third as many complaints as a similarly sized provider: While the median complaint index for the industry is 1.0, Progressive's is 0.36.
Best motorcycle insurance for touring: Rider
If you're someone who likes to take their bike touring, Rider may fit your needs for motorcycle insurance. A standard policy from Rider comes with accessories coverage, including additional protection for your helmet, safety apparel and $600 for trip interruption. You can also customize your coverage if you want to increase your protection for long trips using Rider's convenient online interface or by contacting a representative.
Rider's motorcycle insurance costs around $631 on average per year, which is about 4% cheaper than Pennsylvania's average price of coverage. If you qualify for any of the many discounts this insurer offers, you could lower the cost of your policy. You could save if you have safety or anti-theft equipment installed on your bike, or if you're:
- Over 26 with a clean driving record
- A homeowner
- Transferring from another provider
- A renewing customer
- In the military
- A member of an eligible riding group
- Claim free for at least 3 years
- Someone with at least 3 years of riding experience
One downside of this provider is its below-average customer service ranking. Rider's complaint index is 1.51, which means that it receives about 50% more complaints than the NAIC's median. However, its offerings and affordability make this company still worth considering.
Best motorcycle insurance for young riders: GEICO
If you're a young rider, GEICO's no-frills motorcycle insurance could be a good fit for you. This company's online quote form makes it easy to understand how the price of your policy is calculated — and how to keep costs down if you need less coverage. GEICO's standard insurance covers the essentials. It also allows you to upgrade your policy by adding comprehensive and collision repair, as well as roadside assistance and accessories coverage.
The average price of motorcycle insurance from GEICO is $570, which is less than Pennsylvania's mean cost of coverage by almost 12%. Additionally, GEICO offers discounts for loyalty and for completing a safety course. Since GEICO is a large company with a variety of policy offerings, you can also pair your motorcycle insurance with another form of protection, like renters insurance, to reduce the price of coverage.
The best reviewed motorcycle insurance companies in Pennsylvania
You should consider the quality of a company's customer service along with the price of coverage when shopping for motorcycle insurance. It's also a good idea to know the financial strength of all the companies you're comparing, too. To help you find the best motorcycle insurance for your bike, we collected complaint index scores from the NAIC and information about the financial strength of each company.
|Insurer||NAIC score||A.M. Best (financial stability)|
Cheapest motorcycle insurance in Pennsylvania
In Pennsylvania, the cheapest motorcycle insurance usually comes from Progressive, which offers coverage for a yearly average cost of $395. This number is 40% cheaper than the mean cost in the state. The average price of motorcycle insurance in Pennsylvania is $661 per year. Generally, it's less expensive to buy protection for a motorcycle in Pennsylvania than in other parts of the country, as the typical cost of coverage in the United States is $702.
Find Cheap Auto Insurance Quotes in Your Area
What are Pennsylvania's motorcycle insurance laws?
All drivers in Pennsylvania must carry insurance. The state requires you to carry bodily injury and property protection. Unlike homeowners insurance, motorcycle insurance covers the damage that you cause to someone else. The following table communicates the required motorcycle insurance limits for people in the Keystone State.
|Coverage type||Required minimum insurance|
|Bodily injury liability||$15,000 per person/$30,000 per accident|
|Property damage liability||$5,000 per accident|
While it's important to meet your state's minimum requirements, we also recommend that you have enough insurance to cover your total assets in the event of a loss. With this in mind, we gathered quotes for this survey by using a sample driver seeking more than minimum coverage.
In addition to its motorcycle insurance laws, Pennsylvania also requires that anyone driving or riding on a motorcycle must wear a helmet unless they are over 21 and have two or more years of riding experience. If you've been riding your motorcycle for less than two years, you can also take an approved motorcycle safety course. Anyone riding in an enclosed cab doesn't have to wear a helmet, either.
Motorcycle insurance costs: city-by-city breakdown
To help you understand how the price of motorcycle insurance varies within Pennsylvania, we've displayed the average annual premiums from cities across the state. You can also see how each city's average cost compares to the statewide mean.
|City||Average||% from average|
This represents one persons experience. Results may vary. We gathered over 500 quotes for addresses across Pennsylvania. Our sample driver was a 45-year-old married homeowner who drove a 2019 Harley-Davidson FLHX Street Glide. The quotes we collected had 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 amount of protection you elect to receive. However, the amount of time you've spent riding and your driving history can play a role in how expensive your rates are.