Who Has The Cheapest Motorcycle Insurance In Wyoming?
Harley-Davidson offers the cheapest rate for motorcycle insurance in Wyoming, at $13 per month.
Find Cheap Motorcycle Insurance Quotes in Wyoming
Best cheap motorcycle insurance in WY
Cheapest motorcycle insurance companies in Wyoming
Harley-Davidson is the cheapest motorcycle insurance company in Wyoming, at $13 per month.
That's less than half the statewide average of $27 per month and $1 per month less than Dairyland, the second-cheapest option.
Compare Motorcycle Insurance Quotes in Wyoming
Cheapest motorcycle insurance companies in Wyoming
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson | $13 | |
| Dairyland | $14 | |
| Progressive | $20 | |
| Geico | $25 | |
| Allstate | $34 | |
| Nationwide | $54 | |
Best for most people: Progressive
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Editor's rating
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Cost: $20/month
Overview
Pros/cons
Progressive offers affordable motorcycle insurance rates along with a wide range of coverage options.
Overview
Progressive offers affordable motorcycle insurance rates along with a wide range of coverage options.
Pros/cons
Pros:
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Dependable service
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Lots of useful coverage options
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Low monthly rates
Cons:
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No rental car coverage
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Not the absolute cheapest option
Progressive offers affordable motorcycle insurance rates along with a wide range of coverage options.
Pros:
-
Dependable service
-
Lots of useful coverage options
-
Low monthly rates
Cons:
-
No rental car coverage
-
Not the absolute cheapest option
Customers can feel confident they'll be well taken care of at Progressive. The company gets far fewer complaints than a typical insurer, suggesting you're more likely to be satisfied with things like claim payouts and renewal prices.
Progressive offers optional coverages to enhance its basic policy, making it a great fit for most riders. Some of the extra protections it offers include:
- Enhanced injury protection pays up to $1,000 a month for up to two years if you're injured in an accident and can't work.
- Total loss coverage protects your brand-new bike by paying the full manufacturer's suggested retail price for a new model if your motorcycle is totaled.
- Roadside assistance includes fuel delivery, battery jump-start, flat tire change, on-site labor and free towing to the nearest repair shop anywhere in the U.S.
Riders in Wyoming can take advantage of Progressive's extensive list of discounts to help lower their premiums, which include enrolling in automatic payments, bundling their home or auto insurance and being a member of H.O.G. (Harley Owners Group) or USAA.
The average price of full coverage motorcycle insurance from Progressive is $20 per month. While that's one-quarter less than the typical price statewide, it's not the absolute cheapest option. People looking for the lowest possible rate should look at Harley-Davidson instead.
Lowest rates: Harley-Davidson
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Editor's rating
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Cost: $13/month
Overview
Pros/cons
Harley-Davidson's low prices are unmatched in Wyoming.
Overview
Harley-Davidson's low prices are unmatched in Wyoming.
Pros/cons
Pros:
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Lowest prices in the state
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Lots of useful coverage options
Cons:
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Poor customer service
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No bundle discounts
Harley-Davidson's low prices are unmatched in Wyoming.
Pros:
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Lowest prices in the state
-
Lots of useful coverage options
Cons:
-
Poor customer service
-
No bundle discounts
Harley-Davidson's average price of $13 per month is less than half the typical price in Wyoming.
As a motorcycle-only insurer, Harley-Davidson offers lots of special coverage options that will give enthusiasts peace of mind. For example, you can get replacement cost coverage for individual parts as well as your whole bike.
Other coverages include:
- Roadside assistance offers help if you have battery issues, a flat tire or mechanical problems, as well as 24/7 towing.
- Rental reimbursement pays for a rental vehicle while your motorcycle is in the shop after an accident.
However, Harley-Davidson doesn't sell other types of insurance, like auto or home insurance. That means you're missing out on a possible bundle discount, as well as the convenience of having all your insurance policies managed by a single company.
Customer service at Harley-Davidson is also quite poor. It receives about two-thirds more customer complaints than other insurance companies, suggesting you're relatively likely to run into an issue like a delayed claim.
Best for veterans: USAA
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Editor's rating
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Cost: $19/month
Overview
Pros/cons
USAA members can get an extra discount on Progressive motorcycle coverage.
Overview
USAA members can get an extra discount on Progressive motorcycle coverage.
Pros/cons
Pros:
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Extra discount on Progressive
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Lots of extra coverages and discounts
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Excellent customer service
Cons:
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Only available to people affiliated with the military
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No bundle discount with USAA auto insurance
USAA members can get an extra discount on Progressive motorcycle coverage.
Pros:
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Extra discount on Progressive
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Lots of extra coverages and discounts
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Excellent customer service
Cons:
-
Only available to people affiliated with the military
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No bundle discount with USAA auto insurance
USAA doesn't sell its own motorcycle insurance — instead, it offers a 5% discount on Progressive motorcycle insurance policies to its members.
That means you'll end up paying around $19 per month for a dependable, generous motorcycle insurance policy.
Coverage options include:
- Full replacement cost coverage, which repairs your bike with brand-new parts after an accident, regardless of any wear and tear beforehand.
- Original equipment manufacturer (OEM) coverage, which guarantees Progressive will fix your bike using original manufacturer parts instead of aftermarket parts.
- Custom parts coverage of up to $3,000 to replace any upgrades or custom parts damaged in an accident, like a custom saddle or stereo system.
The biggest disadvantage is that you can only qualify for this discount if you've served in the military, or your parent or spouse has had USAA insurance at some point in their life.
Additionally, while USAA does sell auto and homeowners insurance, you won't qualify for a bundle discount with USAA motorcycle insurance.
Wyoming motorcycle insurance rates by city
Mills is the most expensive major city in Wyoming for motorcycle insurance, at $29 per month.
That's only about 9% more expensive than the state average. As a flat, relatively sparsely populated state, Wyoming has relatively consistent prices statewide. Living in larger cities with more traffic, hilly roads or lots of motorcycle theft can drive up rates.
Average motorcycle insurance cost in WY by city
City | Monthly cost | % from average |
|---|---|---|
| Afton | $25 | -6% |
| Bar Nunn | $28 | 5% |
| Buffalo | $25 | -6% |
| Casper | $28 | 5% |
| Cheyenne | $28 | 5% |
Wyoming motorcycle insurance requirements
Riders in Wyoming need to prove "financial responsibility" before riding a motorcycle on public roads. That means riders have to prove that they can afford to foot the bill for any damage or injuries they cause.
There are three ways to prove financial responsibility in Wyoming:
- Purchase a motorcycle insurance policy that meets the state liability requirements.
- Purchase a bond with a surety company.
- Make a cash deposit with the state treasurer.
Riders who choose to carry motorcycle insurance need at least the following amount of liability coverage:
Coverage | Limits |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $20,000 |
Although you are only required to have the minimum limits, we strongly suggest you purchase more coverage if you can afford it.
Compare motorcycle insurance in Wyoming vs. other states
Methodology
ValuePenguin collected quotes across 36 of the largest cities in Wyoming from six top motorcycle insurance companies in the state. Quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Rates are for a full coverage policy. It includes higher liability limits than the state requirement, collision coverage and comprehensive 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 of 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.
