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Who Has The Cheapest Motorcycle Insurance Quotes In Virginia?

Find the Cheapest Insurance Quotes in Your Area

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Virginia is a Southeastern state also known as the “Mother of Presidents” because of the eight U.S. Presidents to have come from there. The geography and climate make for great motorcycle riding most of the year. To help riders find the best motorcycle insurance rates in Virginia, we gathered quotes from major carriers for an example 45-year-old male rider with bodily injury protection of $100,000 per person. Our study showed the most expensive company for the sample policy was nearly twice as high as the cheapest in Virginia.

Cheapest Motorcycle Insurance in Virginia

Our study of motorcycle insurance policies in the state of Virginia showed which carriers had the best rates for our sample policy and rider. Data was available for three companies and two were much more afforable than the third. GEICO and Nationwide had the lowest motorcycle insurance quotes at $361 and $364, respectively. The most expensive company, Progressive, had an average quote of $683 for our motorcycle rider, which was 89% higher than GEICO's.

A ValuePenguin study found GEICO had the best motorcycle insurance rates in Virginia for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Virginia: By City

The five places with the best motorcycle insurance rates in Virginia are scattered around Old Dominion. However, the cheapest places do have some things in common. None of the most affordable places are very large, populous cities and none are adjacent to any, such as Richmond. The place with the lowest rates in the study was Waynesboro, where premiums for the sample property were 24% lower than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Waynesboro $358 -24%
2 Wytheville 421 -10%
3 Fredericksburg 421 -10%
4 Hopewell 421 -10%
5 Harrisonburg 427 -9%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Waynesboro, VA

The place with the best motorcycle insurance rates in Virginia is the city of Waynesboro. Located in the northern corner of the state, Waynesboro was named after the 18th-century statesman and U.S. Army General Anthony Wayne. The city has more than 21,000 residents and attracts tourists to its restaurants, wineries and many outdoors pursuits. It’s also a great place to own a bike, in terms of insurance. Motorcycle insurance rate for our sample policy were 24% lower than the state average. 

Wytheville, VA

In the southwestern corner of Virginia is Wytheville, which had the second-best motorcycle insurance rates in the state. The town has about 8,200 residents and attracts many visitors for its fishing, hiking and motorcycle and bicycle roadways. Motorcycle insurance quotes for our sample policy were 10% lower in Wytheville than the state average.

Fredericksburg, VA

Almost exactly between Washington D.C. and Richmond Virginia is the city of Fredericksburg. The University of Mary Washington is located in the city, which has a number of places that are part of the National Register of Historic Places. More than 28,000 residents call Fredericksburg home and, if they have a bike, they have some of the most affordable motorcycle insurance in Virginia. Motorcycle insurance rates in Fredericksburg also are 10% lower than the state average. 

Hopewell, VA

The city of Hopewell is located just south of Richmond, along the James River. Like many other cities in Virginia, Hopewell has a number of historic monuments and places. It’s also home to about 23,000 residents and known for its numerous chemical plants and its access to Richmond and outdoor activities. It also has low-cost motorcycle insurance. Quotes for the sample policy were 10% lower than the state average.

Harrisonburg, VA

The location of James Madison University, Harrisonburg is a city of roughly 50,000 residents in west-central Virginia. It has a vibrant downtown with restaurants, accommodations and numerous venues for the arts. Like many other cities in the state, the climate and outdoor recreation in the area make it an attractive place to visit, as well. Residents can take advantage of cheap motorcycle insurance rates. Motorcycle quotes in Harrisonburg were 9% lower than the state average. 

Most Expensive Motorcycle Insurance in Virginia

The places in Virginia with the most expensive motorcycle insurance premiums are all near the coastline and primarily larger cities in the state. The place with the most expensive rates was Norfolk, where quotes for the study sample policy were 59% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Norfolk $748 59%
2 Arlington 571 22%
3 McLean 571 22%
4 Hampton 571 22%
5 Richmond 565 20%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Norfolk, VA

The Virginia city with the most expensive motorcycle insurance rates in the state was Norfolk. It is bordered by the Elizabeth River and Chesapeake Bay to the north and home to largest naval base in the world, Naval Station Norfolk. The area has long been a strategic military location and, today, Norfolk is a thriving city with more than 245,000 residents. It also has the most expensive motorcycle insurance rates in Virginia. Quotes for our sample policy were 59% higher than the state average. 

Arlington, VA

Arlington, which is contiguous with Arlington County, is just across the Potomac River from Washington D.C. The county is home to many federal agencies, including the Department of Defense (DoD), the Pentagon and the transportation Security Administration (TSA). It’s home to more than 230,000 residents and a long list of college campuses. Motorcycle insurance rates in Arlington were 22% higher than the Virginia average.

McLean, VA

Directly west of Arlington County is McLean, a census-designated place in Virginia. It’s known for being the home of many diplomats, businesspeople and politicians who are attracted to it’s suburban neighborhoods and close vicinity to Washington D.C. and Arlington County. Motorcycle insurance rates in McLean are some of the least affordable in Virginia. Our study found motorcycle premiums were 22% higher in McLean than the state average.

Hampton, VA

Hampton is a city at the far east end of the Virginia Peninsula. It’s home to more than 137,000 residents and Langley Air Force Base. It also is the location of a wide variety of business and industrial enterprises and Hampton University. Motorcycle insurance premiums in Hampton were 22% higher than the state average.

Richmond, VA

Richmond is the capital of the state of Virginia and is split by the James River. It served as the Confederate States Army headquarters during the American Civil War and is now home to more than than 217,000 residents and part of a metropolitan area with more than 1.2 million. Arts and culture thrive in Richmond, as well as business - there are six Fortune 500 companies with offices in Richmond. Motorcycle insurance rates in Richmond are 20% higher than the Virginia average.

Average Motorcycle Insurance Rates In Illinois: By City

This comparative study of motorcycle insurance premiums in Virginia was done by gathering and analyzing quotes from three major carriers across 77 cities in Old Dominion. Our analysis showed premiums quoted for the most expensive place were more than 2x the cost of the cheapest.

In Virginia, a ValuePenguin study showed the average rate was $470 for a sample rider and policy.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 77 municipalities and census-designated places in the state of Virginia. The quotes we gathered were from three major carriers – Progressive, Nationwide and GEICO. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
65 Alexandria $532 13%
71 Amelia Court House 544 16%
74 Arlington 571 22%
31 Bedford 456 -3%
54 Big Stone Gap 469 0%
8 Bristol 427 -9%
58 Burke 469 0%
35 Centreville 456 -3%
28 Charlottesville 456 -3%
7 Christiansburg 427 -9%
56 Clintwood 469 0%
36 Culpeper 456 -3%
44 Danville 456 -3%
50 Drakes Branch 464 -1%
23 Fairfax 451 -4%
55 Falls Church 469 0%
22 Farmville 432 -8%
37 Fincastle 456 -3%
12 Floyd 427 -9%
67 Franklin 532 13%
3 Fredericksburg 421 -10%
18 Galax 427 -9%
47 Gate City 456 -3%
69 Goochland 538 15%
59 Great Falls 469 0%
76 Hampton 571 22%
70 Hanover 538 15%
5 Harrisonburg 427 -9%
52 Herndon 469 0%
15 Hillsville 427 -9%
4 Hopewell 421 -10%
46 Hot Springs 456 -3%
17 Keysville 427 -9%
21 Kilmarnock 427 -9%
13 King George 427 -9%
48 Leesburg 456 -3%
30 Lexington 456 -3%
39 Louisa 456 -3%
29 Lynchburg 456 -3%
32 Madison 456 -3%
41 Manassas 456 -3%
11 Marion 427 -9%
42 Martinsville 456 -3%
75 McLean 571 22%
34 Midlothian 456 -3%
33 New Castle 456 -3%
77 Norfolk 748 59%
53 Norton 469 0%
43 Orange 456 -3%
40 Palmyra 456 -3%
63 Petersburg 520 11%
60 Pulaski 493 5%
6 Radford 427 -9%
45 Reston 456 -3%
51 Richlands 469 0%
73 Richmond 565 20%
27 Roanoke 456 -3%
25 Salem 456 -3%
66 Smithfield 532 13%
49 South Boston 456 -3%
19 South Hill 427 -9%
64 Springfield 532 13%
38 Stanardsville 456 -3%
9 Staunton 427 -9%
16 Stuart 427 -9%
68 Suffolk 532 13%
61 Urbanna 498 6%
57 Vienna 469 0%
26 Vinton 456 -3%
Virginia Average 470 0%
72 Virginia Beach 551 17%
10 Warrenton 427 -9%
14 Washington 427 -9%
1 Waynesboro 358 -24%
20 Williamsburg 427 -9%
24 Winchester 454 -3%
62 Woodbridge 520 11%
2 Wytheville 421 -10%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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