Who Has The Cheapest Motorcycle Insurance In Vermont?
Harley-Davidson and Dairyland have the cheapest motorcycle insurance in Vermont, at $14 per month for a full coverage policy. However, Harley-Davidson is typically a better choice because it offers more discounts and coverage add-ons.
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Best cheap motorcycle insurance in Vermont
How we chose the top companies
Cheapest motorcycle insurance in Vermont
Harley-Davidson and Dairyland are the cheapest motorcycle insurance companies in Vermont.
Both companies offer full coverage motorcycle insurance for around $14 per month. That's a third less than the average cost statewide.
Compare Motorcycle Insurance Quotes in Vermont
The average cost of motorcycle insurance in Vermont is $21 per month for full coverage insurance. That's 34% less than the national average of $32 per month.
Cheapest motorcycle insurance companies in Vermont
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $14 | |
| Harley-Davidson | $14 | |
| Geico | $15 | |
| Progressive | $17 | |
| Allstate | $21 | |
| Nationwide | $47 | |
Best motorcycle insurance for most people: Harley-Davidson
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Editor's rating
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Cost: $14/month
Overview
Pros/cons
Harley-Davidson's cheap rates and numerous coverage add-ons make it the best choice for most Vermont riders.
Overview
Harley-Davidson's cheap rates and numerous coverage add-ons make it the best choice for most Vermont riders.
Pros/cons
Pros:
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Cheapest in VT
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Lots of coverage add-ons
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Many discounts
Cons:
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Poor customer service
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Can't bundle with auto, home or renters
Harley-Davidson's cheap rates and numerous coverage add-ons make it the best choice for most Vermont riders.
Pros:
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Cheapest in VT
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Lots of coverage add-ons
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Many discounts
Cons:
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Poor customer service
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Can't bundle with auto, home or renters
Harley-Davidson's excellent rates make it a great choice for most people in Vermont. At $14 per month, full coverage from Harley-Davidson is a third lower than the average cost in the state.
Harley-Davidson also offers 13 discounts to help lower your motorcycle insurance bill.
Some of these are very easy to get, like its discount for having a valid motorcycle endorsement, paying your bill on time or owning your home.
One downside to Harley-Davidson is that it doesn't sell auto, home or renters insurance. So you'll miss out on a discount for bundling all of your policies with the same company.
There are lots of ways to customize your motorcycle insurance coverage with Harley-Davidson.
If your motorcycle is your main way to get around, you should consider adding rental reimbursement and roadside assistance. These coverages can help keep your life on track if something happens to your bike.
People who travel often could benefit from adding trip interruption, which pays for meals and extra nights in a hotel if your motorcycle breaks down while away from home. However, it doesn't offer trailer coverage, which protects your bike while you're towing it behind another vehicle.
The biggest drawback of choosing Harley-Davidson is its poor customer service. It gets 64% more customer complaints than an average company its size, most of which are about its slow claims process. That means Harley-Davidson will likely take longer to fix your motorcycle after a crash than other companies.
Best customer service: Geico
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Editor's rating
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Cost: $15/month
Overview
Pros/cons
Geico offers the best combination of affordable rates and reliable customer service in Vermont.
Overview
Geico offers the best combination of affordable rates and reliable customer service in Vermont.
Pros/cons
Pros:
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Low rates
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Dependable customer service
Cons:
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Limited discounts
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Fewer coverage add-ons than many other companies
Geico offers the best combination of affordable rates and reliable customer service in Vermont.
Pros:
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Low rates
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Dependable customer service
Cons:
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Limited discounts
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Fewer coverage add-ons than many other companies
Geico's reliable customer service makes it a great choice for people who need to get back on the road quickly after a crash.
Geico gets one-quarter fewer complaints than an average company its size, and it earned an above-average score on J.D. Power's customer satisfaction survey. That means you can count on Geico to get your life back to normal quickly after an accident.
Geico also offers very affordable rates in Vermont, at $15 per month for full coverage. That's 29% cheaper than the state average, and only $1 per month more than the cheapest companies. So you won't have to pay much extra for the peace of mind that your insurance company will take great care of you in an emergency.
The main downside to Geico is its limited coverage add-ons.
For example, you can't get rental reimbursement coverage, which pays for a rental car while your motorcycle is in the shop after an accident. Geico also doesn't offer original equipment manufacturer (OEM) parts coverage, which means it may fix your bike using cheap aftermarket parts instead of parts from its original manufacturer.
Best for extra coverage: Progressive
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Editor's rating
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Cost: $17/month
Overview
Pros/cons
Progressive offers lots of ways to customize your coverage, and its full coverage policy includes extra protection.
Overview
Progressive offers lots of ways to customize your coverage, and its full coverage policy includes extra protection.
Pros/cons
Pros:
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Full coverage includes extra protection
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Many coverage add-ons
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Low rates and lots of discounts
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Few customer complaints
Cons:
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No rental reimbursement
Progressive offers lots of ways to customize your coverage, and its full coverage policy includes extra protection.
Pros:
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Full coverage includes extra protection
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Many coverage add-ons
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Low rates and lots of discounts
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Few customer complaints
Cons:
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No rental reimbursement
Progressive offers very affordable rates in Vermont, at $17 per month. That's 19% cheaper than the statewide average.
When you buy a Progressive policy with comprehensive and collision coverage, you get extra protection, including:
- $3,000 of coverage for custom parts and accessories, such as saddlebags, a CB radio or a custom exhaust system.
- Replacement cost coverage for parts, which pays to repair your motorcycle 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 bike using parts from its original manufacturer, as opposed to cheaper aftermarket parts.
Most companies charge extra for these coverages. So it could be worth it to pay a little more for a policy from Progressive if you want this protection.
Progressive also offers lots of ways to customize your policy with coverage add-ons. For example, you can add roadside assistance with trip interruption or trailer coverage.
However, Progressive doesn't offer rental reimbursement, which pays for a rental car while your bike is in the shop after a crash. If you're concerned about paying for a rental after an accident, you should consider Dairyland or Harley-Davidson instead.
Vermont riders can count on Progressive to help get their lives back on track quickly after an accident.
That's because Progressive only gets about two-thirds as many customer complaints as an average company its size, which indicates people are typically happy with its customer service.
Vermont motorcycle insurance cost by city
Barre City, Montpelier and Morrisville have the cheapest motorcycle insurance compared to other large cities and towns in Vermont.
People living in these cities, which are located relatively close to one another in central Vermont, pay an average of $20 per month for full coverage motorcycle insurance.
Barton, Enosburg Falls, Newport and Springfield — which are scattered throughout the state — have the most expensive rates compared to other large cities in Vermont. Residents of these cities pay around $24 per month. Rates are typically more expensive in areas with more traffic, higher crime rates or poorly maintained rural roads.
Average motorcycle insurance cost in VT by city
City | Monthly cost | % from average |
|---|---|---|
| Barre City | $20 | -7% |
| Barton | $24 | 10% |
| Bellows Falls | $21 | -1% |
| Bennington | $22 | 2% |
| Bradford | $21 | -1% |
Vermont motorcycle insurance requirements
Motorcycle owners in Vermont must prove to the state that they can afford to cover any damage or injuries they cause.
The most common way to meet this requirement is by getting a motorcycle insurance policy with at least 25/50/10 of liability insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
If you don't want to buy an insurance policy, there are a few other ways you can meet the financial responsibility requirement in Vermont. These include making a $115,000 deposit with the state treasurer or getting a surety bond.
Frequently asked questions
How much is motorcycle insurance in Vermont?
The average cost of full coverage motorcycle insurance in Vermont is $21 per month. However, many companies offer cheaper rates, including Harley-Davidson, Dairyland, Geico and Progressive.
Is motorcycle insurance required in Vermont?
In Vermont, you must prove you can afford to pay for damage you cause in an accident. The most common way to do this is by getting an insurance policy. Motorcycle insurance in Vermont must have at least $25,000 of bodily injury liability coverage per person and $50,000 per accident, along with $10,000 of property damage liability coverage per accident.
Methodology
To find the best cheap motorcycle insurance in Vermont, ValuePenguin editors collected motorcycle insurance quotes from six major motorcycle insurance companies operating in Vermont. 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 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.