Motorcycle Insurance

The cheapest motorcycle insurance companies are typically Dairyland, Progressive and Harley-Davidson.

However, rates vary by state. So the cheapest company near you could differ from the best option nationally. That's why comparing quotes from multiple companies is important when shopping for motorcycle insurance.

No motorcycle insurance company is the best for every rider. Major companies like Progressive and Geico offer standard motorcycle insurance, with discounts for bundling your auto and homeowners insurance. On the other hand, specialty companies like Dairyland and Harley-Davidson provide more specialized coverage.

The best way to find cheap motorcycle insurance is by comparing quotes from multiple companies. You should also look for discounts. Many companies offer savings for bundling your motorcycle and auto insurance, making automatic payments or taking a motorcycle safety course.

You can get the cheapest motorcycle insurance rates by buying the minimum coverage required in your state. Most states only require a small amount of liability coverage for bodily injury and property damage. Keep in mind that minimum coverage limits are usually very low, which leaves you with a real risk of having to pay hefty out-of-pocket bills for damage or injuries you cause. Minimum coverage also doesn't give you any protection for your bike. This may not be the best choice if you can't afford to replace your bike after an accident.

Every state has its own laws, but it's generally harder to insure your bike if you don't have a valid motorcycle license or endorsement. Most insurance companies require your license info. Companies that don't may treat you as a riskier customer and charge you more for coverage.