As a mom of four, my days are packed with school drop-offs, grocery runs, and errands—but whenever I get the chance, I love to take a ride on my motorcycle. There’s just something about hitting the open road, feeling the wind on my face, and having a moment of peace before diving back into the chaos of family life.

But when I went to renew my motorcycle insurance, I was shocked at how expensive the quote was. I knew car insurance could be pricey, but I didn’t expect to see motorcycle rates climbing so high. That’s when I started comparing quotes and looking for the best cheap motorcycle insurance near me—and I was able to cut my premium in half without sacrificing coverage.

If you’re a motorcycle owner and want to save money on insurance, here’s how to find the best cheap motorcycle insurance quotes and which companies offer the most affordable rates near you.

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What Affects Motorcycle Insurance Rates?

Before you start shopping for cheap motorcycle insurance, it’s important to understand why rates vary so much.

🏍 Type of Bike – Sportbikes and high-performance motorcycles cost more to insure than cruisers or touring bikes.
📍 Location – If you live in an area with high theft or accident rates, your premium will be higher.
🛣 Riding Frequency – If you only ride seasonally, you may qualify for lower rates.
🔹 Riding Experience – New riders pay more, while experienced riders get discounts.
✅ Safety Features – Bikes with anti-lock brakes, security systems, and safety features can qualify for lower premiums.

The good news? Even if your rates start high, there are plenty of ways to lower them!

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Best Cheap Motorcycle Insurance Companies Near Me

After comparing multiple insurance providers, I found these companies consistently offered the lowest motorcycle insurance quotes:

1. GEICO

✔ Best for: Riders looking for low rates and quick online quotes.
✔ Discounts: Safe rider, multi-bike, military, and bundling.
✔ Coverage: Liability, collision, comprehensive, and accessory coverage.

2. Progressive

✔ Best for: Custom coverage options and high-risk riders.
✔ Discounts: Responsible driver, multi-policy, safety course.
✔ Extras: Covers custom parts and gear.

3. Dairyland

✔ Best for: High-risk riders and those with past tickets or accidents.
✔ Discounts: Multi-bike, safety gear, and seasonal coverage options.
✔ Extras: Flexible payment plans.

4. Nationwide

✔ Best for: Riders who want affordable full coverage.
✔ Discounts: Anti-theft devices, riding association membership.
✔ Extras: OEM parts coverage.

5. Allstate

✔ Best for: Experienced riders looking for strong discounts.
✔ Discounts: Safe driver, lay-up policy (for winter storage).
✔ Extras: New bike replacement coverage.

Since rates vary by location, the best way to find the cheapest motorcycle insurance is to compare quotes based on your ZIP code.

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How to Get the Cheapest Motorcycle Insurance Quotes

If you want affordable motorcycle insurance, follow these money-saving strategies:

✅ 1. Compare Multiple Quotes Online

💰 Savings: $300–$800 per year

• Use a site like Ocho.co to compare several providers at once.
• Different insurers offer different discounts, so checking multiple companies ensures you get the lowest rate.

✅ 2. Ask About Discounts for Riders

💰 Savings: Up to 30%

• Many companies offer motorcycle-specific discounts that most riders don’t know about!
• Some of the best include:
  ✔ Motorcycle safety course discount (for completing an MSF course).
  ✔ Loyalty and multi-policy discounts (if you bundle with auto/home insurance).
  ✔ Anti-theft discount (for using a secure garage or installing alarms).

✅ 3. Adjust Your Coverage Based on Your Needs

💰 Savings: Varies

• Liability-only coverage is cheaper but only covers damage to other people and property.
• If you have an older bike, skipping comprehensive and collision can save money.
• Seasonal coverage can help if you only ride in summer.

✅ 4. Choose a Higher Deductible

💰 Savings: $100–$500 per year

• Increasing your deductible from $500 to $1,000 can lower your premium significantly.

✅ 5. Bundle With Other Insurance Policies

💰 Savings: Up to 20%

• If you have car or home insurance, check if bundling with the same company gives you a discount.

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How Much Does Motorcycle Insurance Cost?

The cost of motorcycle insurance varies based on location, rider experience, and coverage level.

State	Average Monthly Cost	Annual Cost
California	$70	$840
Texas	$55	$660
Florida	$60	$720
New York	$65	$780
Ohio	$45	$540
Arizona	$50	$600

💡 Pro Tip: Riders in rural areas or low-crime neighborhoods typically pay lower rates.

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Final Thoughts: How I Cut My Motorcycle Insurance Cost in Half

When I got my first motorcycle insurance quote, it was way higher than I expected. But after shopping around and applying discounts, I was able to cut my rate by 50%!

Here’s what I did:
✔ Compared quotes from GEICO, Progressive, and Nationwide to find the best deal.
✔ Took a motorcycle safety course (saved 10%).
✔ Increased my deductible to $1,000 (saved $15/month).
✔ Bundled my auto and motorcycle insurance (saved 15%).
✔ Installed an anti-theft device (saved 5%).

By following these steps, I saved over $400 per year on my motorcycle insurance—without sacrificing coverage!

If you’re looking for cheap motorcycle insurance, take 5 minutes today to compare quotes. You might be overpaying without even realizing it!

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FAQs About Cheap Motorcycle Insurance Quotes

1. What is the cheapest motorcycle insurance?

GEICO and Progressive often offer the lowest rates, but it depends on your location.

2. Can I get motorcycle insurance for under $50 per month?

Yes! Many riders qualify for low rates by bundling policies and taking safety courses.

3. How can I get the best motorcycle insurance quote?

Compare multiple quotes, ask about discounts, and adjust coverage to fit your budget.

4. Is motorcycle insurance required in all states?

Most states require at least liability insurance, but some have minimum coverage laws.

5. Does bundling motorcycle insurance with car insurance save money?

Yes! Bundling can save up to 20% on your total insurance costs.

6. What’s the cheapest state for motorcycle insurance?

Generally, Ohio, North Dakota, and Wisconsin have lower rates than states with high traffic or theft.

7. Can I lower my motorcycle insurance by storing my bike in winter?

Yes! Some insurers offer seasonal coverage or “lay-up” policies for non-riding months.

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If you own a motorcycle and want affordable coverage, don’t overpay! Compare quotes today, ask for every discount possible, and start saving hundreds per year on your policy. 🚀🏍💰