Cheap Motorcycle Insurance (2024)

Dairyland has the cheapest motorcycle insurance rates, at $22 per month for full coverage.

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Best Cheap Motorcycle Insurance

To help you find cheap motorbike insurance, ValuePenguin compared costs from seven of the country's top insurance companies. Our experts looked at average rates and discounts to find the companies with the lowest prices for motorcycle insurance.

Which companies have the cheapest motorcycle insurance?

Dairyland has the cheapest insurance for motorcycles, at $22 per month, or $262 per year, on average.

That's one-third less than the national average of $33 per month.

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Progressive and Harley-Davidson also offer affordable rates, at $23 and $24 per month, respectively.

Both companies have better customer service reviews than Dairyland, however. It could be worth spending a few extra dollars per month for a company that will make your life easier after an accident.

Cheapest motorcycle insurance

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Cheapest motorcycle insurance by state

Progressive has the cheapest motorcycle quotes in 23 states, the most of any insurance company.

Dairyland is the cheapest option in 18 states, while Harley-Davidson is the most affordable company in nine states.

Cheap motorbike insurance quotes by state

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Cheapest motorcycle insurance overall: Dairyland

Dairyland has the cheapest motorcycle insurance quotes, at $22 per month, well below the national average cost of $33 per month.

However, Dairyland motorcycle insurance only has a few discounts to help riders save money. For example, you won't get a discount for making automatic payments or having a good driving record.

Editor's rating

Monthly rate: $22 ?


  • Cheapest quotes

  • Useful coverage options for daily riders


  • Fewer discounts that other companies

  • Unreliable customer service

Dairyland offers coverage options that are important for daily riders. You can add on roadside assistance and rental reimbursement, which helps pay for a rental vehicle while your bike is in the shop after a crash.

Riders aren't always happy with the service they get from Dairyland. The company gets 60% more complaints than expected based on its size, according to the National Association of Insurance Commissioners (NAIC). It may take longer to get your bike fixed after an accident.

Cheapest motorcycle insurance for extra coverage: Progressive

Progressive has the best cheap insurance for motorcycles that need extra coverage.

On average, Progressive motorcycle insurance costs $23 per month, and it comes with more protection than most basic policies.

Editor's rating

Monthly rate: $23 ?


  • Affordable motorcycle insurance

  • Basic policy includes extra coverage

  • Lots of discounts


  • Doesn't offer rental reimbursement or roadside assistance

A basic policy from Progressive includes replacement cost coverage, original equipment manufacturer (OEM) parts coverage and $3,000 of custom parts protection when you have comprehensive and collision coverage. Most companies charge extra for these coverage options.

Progressive also offers lots of ways to lower your motorcycle insurance payments. Some discounts are very easy to get. You can save by making electronic payments, proving you have a motorcycle license and paying on time.

In addition, Progressive has 35% fewer complaints than other companies of a similar size, according to the NAIC.

Best motorcycle insurance discounts: Harley-Davidson

Harley-Davidson offers cheap quotes and many ways to save money on motorcycle insurance.

Full-coverage motorcycle insurance from Harley-Davidson costs $24 per month. That's only $2 per month more than the cheapest company, Dairyland. Riders can get even lower rates by qualifying for discounts.

Editor's rating

Monthly rate: $24 ?


  • Lots of large discounts

  • Inexpensive motorcycle insurance

  • Dependable customer service


  • Can't bundle with home or auto insurance

On top of its cheap rates, Harley-Davidson has some of the best motorcycle discounts available to help you get a cheaper rate.

  • Anti-theft discount for protecting your bike with an audible alarm or LoJack.
  • Bundle discount for buying another Harley-Davidson insurance product , like maintenance protection.
  • Claim-free discount for avoiding an insurance claim during your last policy period.
  • Experienced rider discount based on the number of years you've had a motorcycle license.
  • H-D Riding Academy discount for completing the Harley-Davidson Riding Academy New Rider Course.
  • HOG membership discount for members of the Harley Owners Group.
  • Homeowner discount for owning a home protected with homeowners insurance.
  • Loyalty discount for customers insured with Harley-Davidson for one year or more.
  • Military and law enforcement discount for active or retired military and law enforcement officers.
  • Motorcycle endorsement discount for having a motorcycle endorsement on your driver's license.
  • Multi-cycle discount for insuring more than one bike with Harley-Davidson.
  • New bike discount for buying a new motorcycle.
  • Prompt payer discount for paying your motorcycle insurance bills on time.

Harley-Davidson has an excellent customer service reputation. In 2023, it had zero customer complaints, according to the National Association of Insurance Commissioners (NAIC) Complaint Index. That means riders are typically happy with their experience with Harley-Davidson insurance.

Harley-Davidson doesn't sell car, home or renters insurance. You'll have to work with more than one company for your overall insurance needs. That can be inconvenient if a major incident damages your bike and home or car, like a fire.

Best for bundling motorcycle and auto insurance: Geico

Geico offers the best bundling discount for riders seeking motorcycle and car insurance from the same company.

You can save up to 5% on motorcycle insurance when buying auto insurance from Geico. You'll also get a discount on your car insurance rates.

Editor's rating

Monthly rate: $36 ?


  • Best bundling discount

  • Flexible payment plans

  • Convenient mobile app


  • Few coverage options available

  • Expensive rates for riders who don't qualify for discounts

The average Geico policy is $36 per month, which is $3 per month more than the national average. But it may be worth spending a little more on motorcycle insurance, if the bundling discount lets you save on your car insurance rates.

Geico also allows you to pay in installments, instead of having to pay the balance all at once. This helps make motorcycle insurance more affordable by allowing you to split the annual cost into manageable payments. In comparison, some companies require you to pay your entire year’s balance upfront.

Geico offers enough coverage for most riders. However, it doesn't have some standard options, like rental reimbursement and original equipment manufacturer (OEM) coverage. Daily riders and people with custom bikes should consider another company.

How to get affordable motorcycle insurance

There are three main ways to save on motorcycle insurance: compare motorcycle insurance quotes, search for discounts and change your coverage.


To find the cheapest motorcycle insurance, start by shopping for quotes from multiple companies.

The cheapest insurance company can cost less than half as much as the most expensive option. You could save hundreds of dollars per year by comparing multiple quotes.


Next, you should review each company's discounts. Most companies offer discounts for bundling your motorcycle insurance with an auto or home policy, not having accidents or tickets for three to five years, and taking an approved safety course.

You might also save for:

  • Renewing your policy with a company
  • Switching from another company
  • Insuring multiple bikes
  • Having certain safety features on your bike
  • Paying your rate in full
  • Paying a monthly rate with an automatic deduction
  • Belonging to a motorcycle group, like HOG.

Finally, you can lower your motorcycle insurance rates by lowering your deductible and coverage levels.

Raising a deductible from $250 to $500 on a Progressive policy reduces the cost by more than $100 per year.

You can also save money by getting rid of unnecessary coverage. For example, suppose you have an older bike that's not worth much. In that case, it may not make sense to pay extra for comprehensive and collision coverage.

Frequently asked questions

Who has the cheapest motorcycle insurance?

Dairyland has the cheapest motorcycle insurance for most riders. A policy from Dairyland costs $22 per month, or $262 per year, on average. Progressive and Harley-Davidson also have cheap rates, at $23 and $24 per month, respectively.

How can I lower the cost of my motorcycle insurance?

The best way to find cheap motorcycle insurance rates is to compare quotes from multiple companies. You should also research discounts to ensure you get all the discounts you qualify for.

Raising your deductible will also save you money. But you should choose a deductible you can afford after an accident.

Is Geico or Progressive better for motorcycle insurance?

Progressive motorcycle insurance is a better choice for most riders. Motorcycle insurance rates from Progressive are $13 less per month than Geico, on average. Progressive also includes more coverage in its base policy than Geico.


ValuePenguin collected thousands of rates from seven major insurance companies across the country to find the best cheap motorcycle insurance quotes. Quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.

Rates are for a full-coverage policy with comprehensive and collision coverage.

  • Bodily injury liability: $50,000 per person; $100,000 per accident
  • Property damage liability: $25,000 per person
  • Uninsured and underinsured motorist coverage: $50,000 per person; $100,000 per accident
  • Personal injury protection or medical payments coverage: $5,000
  • Comprehensive and collision deductible: $500

We studied the coverages offered, rates and discounts to choose the best insurance company in each category.

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.