Motorcycle insurance in 2025 varies significantly—from rates by state to major carriers. This guide highlights locations with the cheapest motorcycle insurance, explores top insurance companies, and provides tips to save while getting the protection you need.
Why Motorcycle Insurance Costs Vary
Rates depend on several key factors:
- Where You Live: In states with lower theft and fewer claims, such as North Dakota, Iowa, South Dakota, and Maine, rates can be as low as $18–$21 monthly Reddit+6ValuePenguin+6ValuePenguin+6.
- Type of Bike & Rider: Beginners, young riders, and sportbikes often face higher premiums. Completing safety courses can yield discounts ValuePenguin+5MoneyGeek+5Cars.com+5.
- Coverage Type: Full coverage—even the cheapest—is typically around $22–$24/month, while liability-only options can be cheaper MoneyGeek.
- State Regulations & Risk Factors: No-fault rules, PIP requirements, theft rates, and accident frequency significantly influence premiums—especially in places like Florida or California Reddit+15Cycle Trader+15MoneyGeek+15.
📊 Cheapest States for Motorcycle Insurance in 2025
Based on ValuePenguin data, the lowest full coverage rates are found in:
| State | Avg Monthly Rate |
|---|---|
| North Dakota | $18 |
| Iowa | $18 |
| South Dakota | $20 |
| Maine | $21 |
| Vermont | $21 |
| Montana | $22 |
| North Carolina | $22 |
| Wisconsin | $23 |
| Nebraska | $24 |
In contrast, riders in Kentucky ($69), Florida ($54), Arizona ($49), Mississippi ($48), and Texas ($46) pay significantly more Reddit+6ValuePenguin+6ValuePenguin+6.
🏆 Cheapest Motorcycle Insurance Companies
Based on national average rates, here are the standout carriers:
MoneyGeek+2ValuePenguin+2ValuePenguin+2Dairyland
- Cheapest overall – ~$22/mo for full coverage across all 50 states.
- Offers replacement-cost coverage, roadside assistance, and OEM parts coverage.
AP News+15ValuePenguin+15Reddit+15Reddit+5Cars+5ValuePenguin+5Progressive
- Just $23/mo nationally for full coverage.
- Widely available, top-rated discounts, and strong customer service.
**ValuePenguin+1ValuePenguin+1Cars.com+5ValuePenguin+5Business Insider+5Harley‑Davidson Insurance**
- $24/mo average for full coverage, includes tailored OEM parts options.
- Extensive discounts via Harley-Davidson Riding Academy.
ValuePenguin+9MoneyGeek+9Blake Insurance Group+9ValuePenguin+1ValuePenguin+1Cars.comGEICO
- ~$36/mo; best for riders bundling with auto insurance and seeking perks.
- Multiple discounts and accessory coverage.
**Business Insider+3ValuePenguin+3Blake Insurance Group+3Allstate**, Markel, Safeco, Nationwide
- Options for classic bikes, custom coverage, and riders needing roadside support MoneyGeek+5Blake Insurance Group+5Business Insider+5.
USAA
- Available to military families; ~ $22/mo via Progressive underwriting + 5% discount.
- Highly rated service and customized coverage CNBC+11ValuePenguin+11Reddit+11.
🛵 Real Riders Weigh In
Reddit threads confirm these stats:
“Progressive jacked my rates, went to Geico… Progressive is really the way to go for motorcycle insurance.” Reddit+14Reddit+14MoneyGeek+14
“I saved 35% switching from Progressive to USAA.” Reddit
These anecdotes affirm that switching insurers, especially yearly, is often the best money-saving strategy.
✅ Tips to Get the Cheapest Motorcycle Insurance
- Shop & Compare Quotes Every Year – Switching policies often saves 30–50%.
- Complete a Safety Course – Almost every insurer offers discounts for certified riders Cars.com+2Blake Insurance Group+2Cycle Trader+2.
- Bundle Coverage – Combining home/auto and motorcycle policies (with GEICO, Progressive, Allstate) provides multi-policy discounts Business Insider+1Reddit+1.
- Choose the Right Coverage – Liability vs. full coverage: liability is cheaper but riskier.
- Select Your Bike Wisely – Cruisers/touring models cost less than sportbikes; vintage bikes may qualify for collector policies.
- Maintain a Clean Record – Avoiding tickets or accidents can reduce premiums significantly.
- Use Anti-Theft Devices – Locks, alarms, and GPS can earn discounts.
🌟 Summary: Cheapest Routes in 2025
- Top States: North Dakota, Iowa, South Dakota, Maine – ~$18–$21/mo.
- Top Companies: Dairyland (
$22), Progressive ($23), Harley-Davidson ($24); GEICO ($36) for bundle seekers. - Specialized Options: USAA for military, Markel/Allstate for vintage/custom bikes.
- Pro Tip: Quotes can shift drastically—one rider noted “Dairyland is pretty good… saved 55% by dropping Geico” MoneyGeek+1MoneyGeek+1Cycle TraderMoneyGeek+8ValuePenguin+8ValuePenguin+8ValuePenguin+2ValuePenguin+2Blake Insurance Group+2Reddit. Regularly compare quotes for best prices.
📚 Useful Resources & Further Reading
- ValuePenguin’s “Cheap Motorcycle Insurance (2025)” report provides national data on rates by company and state Business Insider+5ValuePenguin+5ValuePenguin+5.
- ValuePenguin’s “Average Cost of Motorcycle Insurance (2025)” breaks down factors affecting rates per region .
- Cars.com outlines pros and cons of carriers like Dairyland and GEICO .
- CycleTrader lists the most and least expensive states and reasons behind the trends Cycle Trader.
- MoneyGeek provides insights on top companies for young and safe riders MoneyGeek.
By focusing on the cheapest states, lowest premium companies, and applying savings strategies, riders can secure the best motorcycle insurance in USA 2025. Shop annually, bundle smart, complete safety courses, and switch carriers when needed to ride well-covered and wallet-savvy.
Ride safe—and smart!
Sources
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