The cheapest motorcycle insurance company in West Virginia is Allstate, which offered us a rate of $398 per year — $185 cheaper than the state average.
Compare Motorcycle Insurance Quotes in West Virginia
Motorcycle insurance is required in West Virginia, but it's more than just a legal obligation. Insurance also protects you financially, both as a rider and bike owner. We gathered 179 quotes from across the state to identify the top insurers to fit your needs.
Best motorcycle insurance for most people: Allstate
The best motorcycle insurance for most riders in West Virginia is Allstate. The company has the lowest prices in the state with an average rate of $398 a year — 32% cheaper than the average price among insurers we considered.
Allstate provides riders with very well-rounded coverage, which includes:
- Towing and labor coverage: If your motorcycle breaks down or you get into an accident, the costs of towing and related labor are covered.
- Added equipment coverage: Policies include $1,000 of coverage for aftermarket upgrades like crash bars and custom seats. You also have the option to add up to $30,000 worth of additional coverage.
- Transport trailer damage coverage: Your trailer and motorcycle are covered if they are damaged due to collision, rollover, earthquake, vandalism and most other losses.
Allstate customers can also add on extra coverage options, like new motorcycle extended protection and a rider protection package that includes death and dismemberment coverage.
Best customer service: Nationwide
Nationwide is not the cheapest insurer in West Virginia, but it has the best customer satisfaction marks with a 0.53 on the National Association of Insurance Commissioners (NAIC) complaint index. That means Nationwide customers are around half as likely to file a complaint as the average insurance customer. Nationwide also received an A+ rating from AM Best, showing that it has excellent financial stability in relation to paying out claims.
Nationwide's average motorcycle insurance cost in West Virginia is $491 a year — 16% less than the state average, and only $93 more than the cheapest option. Riders can also take advantage of Nationwide's long list of discounts to help lower their rates, including:
- Paid in full
- Anti-lock brakes
- Theft recovery device
- Motorcycle safety course
- Riding association membership
Best for daily riders: Dairyland
Dairyland's roadside assistance and rental reimbursement coverage make it the best choice for riders who use their motorcycle as their main vehicle. Emergency roadside assistance coverage gives Dairyland policyholders 24/7 access to oil, fuel, fluid or water refills. Coverage also includes service for bad batteries, flat tires, mechanical or electrical problems and tow service if repairs are required.
When riders use their bikes to get to work or for everyday activities, an accident or breakdown can derail their lives. Dairyland will reimburse riders for the cost of a rental vehicle while their motorcycle is in the shop.
Dairyland also offers replacement cost coverage for motorcycles that are less than 3 years old. Many other companies have a mileage limit or set a one-year cap on full replacement coverage.
Best-rated West Virginia motorcycle insurers
When you're shopping for motorcycle insurance, choosing an insurer that you can depend on is just as important as finding the best rate. We use two metrics to analyze a company's level of service — the NAIC complaint index and the AM Best financial strength rating (FSR). Among West Virginia motorcycle insurers, Nationwide has the best customer service score, while USAA and Geico maintain the highest rank for financial strength.
The NAIC complaint index compares a company's number of complaints to its share of the market. The average score is 1.0, and lower numbers equate to a better performance. A company with a better AM Best rating is in a better position to pay out claims, even in difficult financial conditions.
Cheapest motorcycle insurance companies in West Virginia
We collected motorcycle insurance quotes from across the state to determine the most affordable option. We found that Allstate offers the cheapest motorcycle insurance for West Virginians, with an average price of $398 per year. The most expensive insurer is Geico, with an average annual price of $776.
Compare Motorcycle Insurance Quotes in West Virginia
West Virginia motorcycle insurance cost by city
The six cities in West Virginia with the cheapest motorcycle insurance rates are scattered around the state. The average annual cost in all six towns — Clarksburg, Cross Lanes, Elkins, Grantsville, Sutton and Weston — is 7% lower than the state average.
The largest city in West Virginia, Charleston, is tied with several other cities for second most expensive with an average rate that is 7% higher than the statewide average.
Overall, premiums in West Virginia did not change significantly based on location, with the average annual cost ranging by slightly more than $100, at the most, from city to city.
Difference from state average
West Virginia motorcycle insurance requirements
In order to register your motorcycle with the state of West Virginia and ride on public roads, you're required to carry a minimum amount of motorcycle insurance, which is the same amount required for a car:
|Bodily injury liability||$25,000 per person/$50,000 per accident|
|Property damage liability||$25,000|
Although you are only required to have the minimum limits, we strongly suggest you purchase more coverage if you can afford it.
We collected motorcycle insurance quotes from five major motorcycle insurance companies that operate in West Virginia — Allstate, Dairyland, Geico, Nationwide and Progressive. Our sample rider was a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we used, which surpass the state minimums, are:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000
- Collision: Included/$500 deductible
- Comprehensive: Included/$500 deductible
- All other coverages: Not included unless legally required