The Best Cheap Motorcycle Insurance in Washington

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We gathered hundreds of quotes and found that the cheapest motorcycle insurance company in Washington has an average yearly rate of $546. To compare motorcycle insurance companies in the Evergreen State, we looked at each provider's policy features and customer service reputations in addition to premiums. Continue reading for our analysis of the state's best motorcycle insurance companies, or use the secure quote box above this article to find coverage near you.

Best motorcycle insurance for most people: Nationwide

The best motorcycle insurance for most people in Washington is Nationwide. Nationwide provides a variety of addable endorsements, while enabling you to save money through a number of easily attainable discounts. Aside from offering industry-standard protections, Nationwide's motorcycle insurance allows you to add:

  • Customer equipment protection: You can purchase up to $30,000 of coverage. If you elect to buy comprehensive coverage with your policy, you receive an additional $3,000.
  • Original equipment manufacturer (OEM) parts: As long as your bike is less than 10 years old, you can purchase this protection to repair damage with new parts from the original maker.
  • Roadside assistance: Good for trip interruption costs when traveling 100 or more miles from your home.

Nationwide sells the cheapest motorcycle insurance on average for most Washingtonians.

The average price of coverage from Nationwide is $546 per year, over 20% cheaper than the typical cost of motorcycle insurance in the state.

Additionally, there are a lot of ways to save money with Nationwide. You can be eligible for savings if you're a part of any of the dozens of organizations and riding groups that Nationwide highlights under its affinity discount. You may also reduce your premium if you:

  • Bundle your motorcycle insurance with another of Nationwide's policies
  • Install anti-lock brakes on your bike
  • Complete a safety course
  • Equip anti-theft or theft recovery devices to your vehicle
  • Pay your premium in full
  • Own a home

In Washington, Nationwide's customer service reputation is better than its national numbers suggest. The company's complaint index, figured by the National Association of Insurance Commissioners (NAIC), sits at 1.48. The expected number of complaints each company receives is represented by 1.0, which means that Nationwide receives more than what's expected for its market share. However, Washington only contributed three complaints in 2018.

Best motorcycle insurance for complete coverage: Progressive

You should consider Progressive motorcycle insurance if you want the most protection for your bike. With a standard policy at Progressive, you automatically get replacement cost coverage and $3,000 of protection for repairing your customizations, equipment and accessories. You can purchase up to $30,000 of additional coverage, too.

You also receive OEM parts coverage with a standard Progressive motorcycle insurance policy, which you can use to repair any of your bike's custom parts that may have gotten damaged. If you need additional coverage, you can add the following endorsements from Progressive:

  • Total loss coverage for a new bike
  • Roadside assistance and trip interruption
  • Carried contents and accessories coverage
  • Disappearing deductible for up to 25% each year you remain claim-free — all the way to $0
  • Enhanced injury protection up to $250 per week you can't work

Progressive's downside for Washingtonians is its price: At $944, its premiums are the most expensive out of the insurers we analyzed in the state. Given the company's offerings, though, we still recommend considering Progressive's motorcycle insurance.

Best for new riders: GEICO

GEICO's motorcycle insurance is the best option for Washington's new riders. Standard coverage from the company covers the essentials so that inexperienced motorcyclists don't have to commit to more coverage than they need. To supplement your basic protection, you may elect to add comprehensive and collision repair, as well as roadside assistance and accessories coverage.

GEICO's online experience also makes it easy to understand how the price of your policy is calculated, how different adjustments can affect your premium and how to keep costs low if you don't want to spend too much on protecting your motorcycle.

The average price of motorcycle insurance from GEICO is about $609 per year. This is 13% cheaper than Washington's statewide average price of motorcycle coverage. Although GEICO doesn't offer a great deal of chances to deduct your premium, you can save money by renewing your policy and completing a safety course. If you bundle your motorcycle insurance with another of GEICO's insurance options, you can also qualify for a discount.

The best reviewed motorcycle insurance companies in Washington

You should consider the quality of a company's customer service along with its premiums and coverage offerings when deciding on where to buy motorcycle insurance. To find this information, we consulted the NAIC's complaint index. Each company's complaint index is calculated by dividing its number of complaints by its market share. A score of 1.0 indicates a typical complaint index based on a company's size, while a smaller number means a company receives fewer complaints than expected. The information is displayed in the following table.

InsurerNAIC scoreA.M. Best (financial stability)
Nationwide1.48A+
GEICO0.92A++
Dairyland2.12A+
Progressive0.91A+

Cheapest motorcycle insurance in Washington

For most people, the cheapest motorcycle insurance in Washington comes from Nationwide, which offers coverage for an annual cost of $546. This price is 22% cheaper than the average cost of coverage in the state. The average cost of motorcycle insurance in Washington is $696 per year.

It's about as easy to find cheap motorcycle insurance in Washington as it is in the rest of the country: We calculated the national average cost of motorcycle insurance to be $702 per year.

Two factors that can play a significant part in the cost of motorcycle insurance for you are your location and the amount of protection you purchase. Although your rates may differ, we've provided the average cost of motorcycle insurance for the best cheap motorcycle insurance companies in Washington.

A bar graph showing the average costs of motorcycle insurance in Washington
A bar graph showing the average costs of motorcycle insurance in Washington

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What are Washington's motorcycle insurance laws?

Whether you live in Washington or are just riding through, it’s important to have an understanding of the state’s laws for motorcyclists. If you don’t comply with local regulation with regards to gear, insurance and licensing, you may face fines or other penalties.

Washington's motorcycle license requirements

Washington requires its motorcyclists to have an endorsement on their regular driving license if their bikes can go faster than 30 miles per hour or if their engines are larger than 50 cubic centimeters. You're required to have a three-wheel endorsement if your bike has a stabilizing conversion kit or a sidecar, or if it's a trike.

In order to obtain a two-wheel motorcycle endorsement, you must successfully complete a motorcycle safety course and a riding and skills test at a state-approved training school. You can also take the tests separately, as long as you provide evidence of completion to a licensing office within 180 days. You have to be at least 16 to apply for an endorsement, and your child must be at least five years old and able to reach the foot pedals to ride with you.

Helmet laws in Washington

You're required to wear a helmet while driving or riding a motorcycle in Washington. Helmets must be approved by the state's Department of Transportation to be legal on any public roads. Washington also requires that its motorcycle riders wear eye protection, such as goggles or a face shield, unless your bike has a windshield.

Motorcycle insurance requirements in Washington

Washington requires owners of all vehicles, including motorcycles, to purchase insurance coverage. You're also able to apply for different forms of registration, though in most cases it's easier and more practical to purchase regular protection. The minimum insurance requirements are shown below; however, we recommend you purchase enough insurance to adequately protect your assets — even if it means buying more than the legally required amount of coverage.

Coverage typeRequired minimum insurance
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$10,000

You could also qualify for self-insurance with the Department of Transportation if you own at least 26 cars. You can also satisfy Washington's legal requirements by applying for and carrying a certificate of deposit or liability bond worth at least $60,000. Both must be approved by the state of Washington. Like with more conventional forms of insurance, you'd have to show proof of one of these coverages if you were pulled over.

Motorcycle insurance costs: City-by-city breakdowns

Our survey enabled us to enumerate the average cost of motorcycle insurance in cities across Washington. We calculated that the most expensive city for motorcycle insurance on average is Vashon, which has a premium of $896 per year among all companies. The least expensive city is Blaine, which has a $580-per-year average rate.

CityAverage cost% from statewide average
Aberdeen$658-5%
Anacortes$658-5%
Arlington$683-2%
Bainbridge Island$674-3%
Battle Ground$7305%
Bellevue$79614%
Bellingham$7244%
Blaine$580-17%
Bonney Lake$78913%
Bremerton$683-2%
Camas$7275%
Cashmere$649-7%
Centralia$658-5%
Chelan$674-3%
Cheney$655-6%
Cle Elum$7092%
Colville$654-6%
Concrete$7143%
Coupeville$7173%
Deer Park$7143%
Eastsound$658-5%
Edmonds$7041%
Ellensburg$649-7%
Enumclaw$683-2%
Everett$674-3%
Federal Way$78513%
Forks$649-7%
Friday Harbor$7143%
Gig Harbor$7102%
Grandview$651-6%
Issaquah$683-2%
Kennewick$651-6%
Lake Stevens$674-3%
Langley$7619%
Leavenworth$684-2%
Liberty Lake$651-6%
Long Beach$663-5%
Longview$663-5%
Lynden$663-5%
Marysville$674-3%
Mercer Island$82318%
Monroe$674-3%
Montesano$663-5%
Moses Lake$649-7%
Mount Vernon$663-5%
Mukilteo$674-3%
Newport$684-2%
Oak Harbor$7102%
Olympia$683-2%
Omak$649-7%
Oroville$684-2%
Othello$649-7%
Pasco$7173%
Port Angeles$674-3%
Port Orchard$674-3%
Port Townsend$672-4%
Poulsbo$683-2%
Prosser$687-1%
Pullman$655-6%
Puyallup$81617%
Raymond$7143%
Renton$78112%
Seattle$85323%
Sequim$7173%
Silverdale$683-2%
Snoqualmie$674-3%
Spokane$651-6%
Stanwood$7427%
Sunnyside$7072%
Tacoma$81117%
Vancouver$79915%
Vashon$89629%
Vaughn$7427%
Waitsburg$651-6%
Walla Walla$651-6%
Wenatchee$649-7%
White Salmon$7143%
Woodinville$659-5%
Yakima$655-6%
Yelm$683-2%

Methodology

We gathered over 300 quotes for addresses across Washington's ZIP codes. Our data reflects motorcycle insurance rates for a 45-year-old married homeowner who drives a 2019 Harley-Davidson FLHX Street Glide. We elected to purchase higher levels of protection than legally required by the state, as we believe that you should have enough insurance to protect your assets and property. Therefore, your own results may vary. 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

The amount of time you've been riding your motorcycle and your driving history can play a role in how expensive your insurance rates are. No variables affect the price of motorcycle insurance as much as the amount of protection you receive.

Comments and Questions

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