Who Has the Cheapest Motorcycle Insurance in Rhode Island?
Dairyland has the cheapest motorcycle insurance in Rhode Island, at $22 per month for full coverage. Even though it's slightly more pricey, Progressive is the best choice for most people. It offers the best combination of affordable rates, great coverage and reliable customer service.
Dairyland has the cheapest motorcycle insurance in Rhode Island, at $22 per month for full coverage.
Even though it's slightly more pricey, Progressive is the best choice for most people. It offers the best combination of affordable rates, great coverage and reliable customer service.
Find Cheap Motorcycle Insurance Quotes in Rhode Island
Best cheap RI motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance companies in Rhode Island
Dairyland has the cheapest motorcycle insurance in Rhode Island.
At $22 per month, full coverage insurance from Dairyland is 35% cheaper than the statewide average.
Rhode Island riders should also compare quotes from Progressive.
It costs only an average of $1 per month more than Dairyland. But it gets far fewer customer complaints, and its full coverage policy comes with extra protection. That means you'll get more value out of a Progressive policy.
Find Cheap Motorcycle Insurance Quotes in Rhode Island
The average cost of motorcycle insurance in Rhode Island is $34 per month for full coverage. That's slightly more expensive than the national average of $32 per month.
Cheapest motorcycle insurance quotes in Rhode Island
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $22 | |
| Progressive | $23 | |
| Harley-Davidson | $27 | |
| Geico | $42 | |
| Allstate | $44 | |
| Nationwide | $47 | |
Best for most people: Progressive
-
Editor's rating
-
Cost: $23/month
Overview
Pros/cons
Progressive has cheap rates, excellent coverage, helpful discounts and few customer complaints, making it the best choice for most Rhode Islanders.
Overview
Progressive has cheap rates, excellent coverage, helpful discounts and few customer complaints, making it the best choice for most Rhode Islanders.
Pros/cons
Pros:
-
Affordable quotes
-
Full coverage includes extra protection
-
Lots of discounts and coverage add-ons
-
Minimal customer complaints
Cons:
-
Doesn't offer rental reimbursement
Progressive has cheap rates, excellent coverage, helpful discounts and few customer complaints, making it the best choice for most Rhode Islanders.
Pros:
-
Affordable quotes
-
Full coverage includes extra protection
-
Lots of discounts and coverage add-ons
-
Minimal customer complaints
Cons:
-
Doesn't offer rental reimbursement
Progressive has the second-cheapest rates in Rhode Island. On average, a Progressive policy costs just $1 per month more than a Dairyland plan.
You can lower your monthly rate further by taking advantage of the company's wide set of motorcycle insurance discounts. Some are very easy to get, like its discount for switching from another motorcycle insurance company or having a valid motorcycle license or endorsement.
Progressive offers more coverage than most motorcycle insurance companies with its full coverage policies.
When you get a policy with collision and comprehensive coverage, Progressive automatically includes:
- $3,000 of coverage for custom parts and accessories, like saddlebags or a custom stereo system.
- Replacement cost coverage for parts, which pays to fix your bike to its original condition, regardless of any wear and tear before your accident.
- Original equipment manufacturer (OEM) parts coverage, which guarantees Progressive will fix your motorcycle using parts from its original manufacturer, as opposed to cheaper, aftermarket parts.
Most companies charge extra for these coverages, so you get a better value from a full coverage policy from Progressive.
Progressive also lets you add protection for your personal belongings, such as cell phones and watches, with "carried contents" coverage. In addition, Progressive offers roadside assistance, enhanced injury coverage and accident forgiveness.
Progressive also gets two-thirds the customer complaints of an average company its size. That makes Progressive a good choice for price-conscious riders who don't want to sacrifice customer service for a low rate.
The biggest downside to Progressive is that it doesn't offer rental reimbursement coverage. This coverage helps pay for a rental car while your motorcycle is in the repair shop after an accident. If you worry about paying for a rental after a crash, you should consider Dairyland instead.
Best for cheap rates: Dairyland
-
Editor's rating
-
Cost: $22/month
Overview
Pros/cons
Dairyland has the cheapest quotes in Rhode Island, along with helpful coverage add-ons for daily riders.
Overview
Dairyland has the cheapest quotes in Rhode Island, along with helpful coverage add-ons for daily riders.
Pros/cons
Pros:
-
Cheapest in RI
-
Offers rental reimbursement and roadside assistance
Cons:
-
Poor customer service
-
Missing popular discounts and coverage options
Dairyland has the cheapest quotes in Rhode Island, along with helpful coverage add-ons for daily riders.
Pros:
-
Cheapest in RI
-
Offers rental reimbursement and roadside assistance
Cons:
-
Poor customer service
-
Missing popular discounts and coverage options
Dairyland stands out for selling the cheapest motorcycle insurance in Rhode Island. You can save 35%, or $12 per month, with Dairyland compared to the state average.
In addition to its already low rates, Dairyland offers a few discounts to help you lower your insurance bill. This includes discounts for owning your home and switching to Dairyland from another insurance company. However, it doesn't offer some common discounts, like an anti-theft discount for having an alarm system or a discount for paying your bill automatically.
Dairyland offers coverage add-ons that are very helpful if your motorcycle is your main way to get around.
- You can add roadside assistance, which pays for towing and emergency roadside services, like a flat tire change, jump start or fuel delivery.
- You can also add rental reimbursement, which pays for a rental car while your motorcycle is in the repair shop after an accident.
But Dairyland doesn't offer popular coverage add-ons for people who travel with their motorcycles. For example, you can't add trip interruption or trailer coverage. If these coverages are important to you, you should consider Progressive instead.
Dairyland gets 49% more customer complaints than an average insurance company its size. If speedy claim service and great customer service are important to you, it might make more sense to go with a more expensive alternative like Progressive.
Best for discounts: Harley-Davidson
-
Editor's rating
-
Cost: $27/month
Overview
Pros/cons
Harley-Davidson offers lots of discounts to help lower your rates, along with numerous ways to upgrade your protection.
Overview
Harley-Davidson offers lots of discounts to help lower your rates, along with numerous ways to upgrade your protection.
Pros/cons
Pros:
-
Cheaper-than-average rates
-
Wide range of discounts
-
Many coverage add-ons
Cons:
-
Lots of customer complaints
-
Can't bundle with auto, home or renters
Harley-Davidson offers lots of discounts to help lower your rates, along with numerous ways to upgrade your protection.
Pros:
-
Cheaper-than-average rates
-
Wide range of discounts
-
Many coverage add-ons
Cons:
-
Lots of customer complaints
-
Can't bundle with auto, home or renters
On average, a Harley-Davidson policy in Rhode Island costs $27 per month, which is the third-lowest rate in the state. It's also 21% cheaper than the state average.
Harley-Davidson has a wide range of discounts that can lower your monthly rate, including:
- New bike discount
- Motorcycle endorsement discount
- Bundled protection discount
- Multicycle discount
- Harley Owners Group (H.O.G.) member discount
- Experienced rider discount
- Homeowners discount
- Anti-theft device discount
- Military/law enforcement discount
- H-D Riding Academy course completion discount
Unlike many other major motorcycle insurance companies, Harley-Davidson doesn't offer an auto-motorcycle bundling discount. If you already have an auto insurance policy through a different company, you may get a better deal by bundling your motorcycle and auto policies together.
Harley-Davidson also offers lots of ways to upgrade your policy with extra protection. For example, if your motorcycle is less than 2 years old, you can add brand-new bike coverage, which pays to replace your motorcycle with a brand-new model if it's totaled in an accident.
The main drawback to choosing Harley-Davidson is its poor customer service. It gets 64% more customer complaints than an average company its size. Most complaints are about Harley's long claims process, which means it may take longer to fix your motorcycle after an accident.
Rhode Island motorcycle insurance costs by city
Pascoag, a village in northwestern Rhode Island, has the cheapest motorcycle insurance among the state's larger cities and towns.
Riders in Pascoag pay an average of $31 per month or 10% less than the state average.
Central Falls, Pawtucket and Providence have the most expensive rates in Rhode Island, with an average monthly cost of $40. That's likely because these are more densely populated cities, which tend to have more traffic and higher accident rates.
Average cost of motorcycle insurance in RI by city
City | Monthly cost | % from average |
|---|---|---|
| Barrington | $38 | 12% |
| Bristol | $33 | -4% |
| Central Falls | $40 | 16% |
| Cranston | $38 | 12% |
| Cumberland | $37 | 9% |
Rhode Island motorcycle insurance requirements
In Rhode Island, motorcycle owners must have at least 25/50/25 of liability insurance along with matching uninsured and underinsured motorist coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
It's a good idea to buy more than the minimum level of state-mandated coverage. That's because you have to pay for anything above what your insurance will cover.
For example, if you cause $35,000 worth of damage to a car and your insurance only pays $25,000 per accident, then you're responsible for the remaining $10,000. But if your policy covers up to $50,000 in damage, then you only have to pay your deductible.
In addition to paying for higher liability limits, you should also consider buying comprehensive and collision coverage. Also known as full coverage, these add-ons pay for damage to your motorcycle.
Rhode Island motorcycle license rules
Rhode Island requires you to get a special permit before you can ride a motorcycle. After 30 days, you can convert it to a motorcycle endorsement on your driver's license. The permit lasts for 18 months, meaning you have 17 months to convert it.
You also have to take a motorcycle safety course through the Community College of Rhode Island to get your motorcycle endorsement.
It's possible to transfer an out-of-state motorcycle endorsement in Rhode Island.
Rhode Island requires you to get different licenses for two- and three-wheeled vehicles. If you would like to operate both a motorcycle and a three-wheeler, then you must complete two separate courses.
In Rhode Island, you do not need a special endorsement, license or permit to operate a scooter or moped.
Frequently asked questions
Who has the best motorcycle insurance in Rhode Island?
Progressive has the best motorcycle insurance in Rhode Island because of its cheap rates, great coverage and low number of customer complaints. A Progressive full coverage policy costs around $23 per month, which is $11 per month cheaper than the Rhode Island state average.
Is motorcycle insurance required in Rhode Island?
Yes, you must have insurance before you can legally ride a motorcycle in Rhode Island. Rhode Island requires that you have at least $25,000 of bodily injury liability per person and $50,000 per accident. You must also have $25,000 per accident of property damage liability and matching uninsured and underinsured motorist limits.
Methodology
To find the best cheap motorcycle insurance in Rhode Island, ValuePenguin collected almost 200 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
The best companies in RI were chosen based on their monthly rates, coverage options, discounts and 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.