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If you ride a motorcycle anywhere in the United States, it is necessary to have motorcycle insurance. It will only take a few moments for you to be deep in financial trouble if your motorcycle is not insured.
As with any insurance type, motorcycle insurance can be costly. Given the high prices, motorcycle insurance is one thing you may not want, but it is something you must not avoid. Before you start taking your bike out on the road, you must first get your motorcycle insured.
Motorcycle insurance provides several benefits, including:
Financial protection
Loss coverage
Legal protection
Avoid certain penalties
Protect you and others
Currently, there exist a number of motorcycle insurance service providers that are in the market. However, it is not very easy to look for the cheapest motorcycle insurance options that would provide full coverage and maximum protection.
This article is a comprehensive guide for bikers who are in search of the cheapest motorcycle insurance providers in 2025.
1. Top 3 Cheapest Motorcycle Insurance in 2025
1.1 Dairyland (22$/month)
Dairyland Motorcycle Insurance comes out as the cheapest motorcycle insurance for the year 2025. This insurance company currently provides the cheapest motorcycle insurance rates in most states in the U.S.
You only have to pay $22 every month when insuring your bike at Dairyland. This makes it $264 annually.
1.1.1 Benefits and Coverage
Taking into account the numerous advantages that it provides through its insurance plan, Dairyland Motorcycle Insurance is the best choice for motorcyclists. It offers low-cost comprehensive motorcycle insurance, which ensures the rider is protected and covered during difficult and unforeseen circumstances.
Dairyland Motorcycle Insurance's full coverage includes the following:
Liability Coverage: This kind of insurance shields you from any expenses relating to loss, damage, or harm that may result from a motorcycle accident with a third party or the individual on the road.
Comprehensive Coverage: It pays for the losses like losing your bike through theft or natural calamity.
Collision Coverage: This insurance will deal with all the costs you are likely to incur in order to have your motorcycle fixed after being involved in a motorcycle crash.
Roadside Assistance : Another thing that a rider can enjoy with the Dairyland motorcycle insurance policy is roadside assistance if the motorcycle experiences a problem during the ride.
1.1.2 Customer Reviews
Motorcyclists who have their bikes insured by Dairyland Motorcycle Insurance appreciate it for the following good reasons:
Low-cost motorcycle insurance
Low premiums
Good customer service & support
Responsive support team
Comprehensive insurance plans
Easy claims process
1.1.3 Why Is Dairyland Motorcycle Insurance the Best?
Dairyland is among the best insurance companies to get the cheapest full coverage motorcycle insurance. It provides a package for motorcycle riders who are operating under a very tight budget to acquire a full coverage insurance policy coupled with excellent service delivery.
These are several additional benefits that Dairyland provides and which are of good value to the overall insurance services it offers.
1.2 Progressive (23$/month)
Another company with the lowest premiums when offering motorcycle insurance is Progressive after Dairyland. The insurance cost of this firm stands out as probably the cheapest in the market with as low as $23 monthly.
1.2.1 Benefits and Coverage
Progressive Motorcycle Insurance is renowned for its special offers and its comprehensive insurance coverage & plans. These include:
Coverage:
Liability Coverage: This includes any physical and property damage you may cause to the third party in an accident.
Comprehensive Coverage: It also gives you compensation if your motorbike is stolen or destroyed due to natural calamities.
Collision Coverage: It pays for the cost of repairing the motorcycle when you experience a motorcycle accident.
Aftermarket Parts Coverage: This particular coverage plan protects the aftermarket motorcycle parts and other bike mods that you fitted on the bike.
Discounts:
Safe Riding Discounts: You can qualify for the discount if you have a clean track record of riding a motorcycle and you proactively encourage safe riding practices.
Multi-Policy Discounts: Buy multiple insurance plans from Progressive, and you receive a good discount.
Such features and discounts make Progressive one of the best insurance companies for those people in search of cheap motorcycle insurance full coverage.
1.2.2 Customer Reviews
Progressive motorcycle insurance is ranked high by customers due to its:
The easy-to-use interface of the Mobile App and website.
Customer-friendly insurance policies
Effective claims process
Extensive coverage options
Multiple discount offers
1.2.3 Why Progressive Motorcycle Insurance Is the Best?
Progressive is often ranked higher than Dairyland for its quality of motorcycle insurance services and affordability. Above all, the comprehensive coverage and the availability of multiple discounts make Progressive one of the best cheap motorcycle insurance full coverage providers.
The coverage of aftermarket and custom parts options makes it a favorite choice among riders who want extensive coverage.
1.3 Harley-Davidson Insurance (24$/month)
The third cheapest motorcycle insurance company in 2025 is Harley-Davidson Insurance. It offers the most premium insurance coverage options for only $24/month. Harley-Davidson, being a pure motorcycle brand, is a preferred choice of motorcyclists.
1.3.1 Benefits and Coverage
Coverage:
Liability Coverage: This covers the physical and property damage that you may cause others in an accident.
Comprehensive Coverage: It also covers your loss in case your bike gets stolen, you face a natural disaster, and vandalism.
Collision Coverage: It covers the cost of repairing your motorcycle after a motorcycle accident.
Accessory Coverage: Harley Insurance provides coverage for motorcycle gear and accessories, including helmets, leather parts, and other motorcycle parts.
Agreed Value Coverage: In this coverage, Harley-Davidson offers insurance for the agreed value of the bike, not just the market value.
Discounts:
- Harley Owners Group (H.O.G.) Members Discounts: Harley-Davidson also offers premium special discounts to the members of H.O.G.
1.3.2 Customer Reviews
Harley-Davidson Insurance often receives five stars for its remarkable coverage policies, affordable insurance rates, and tailor-made plans for its bikes.
According to most customers’ reviews, Harley-Davidson Insurance primarily focuses on users’ needs and requirements.
It is also the preferred cheapest motorcycle insurance option in 2025 for its value-added benefits, including motorcycle accessories and gear coverage.
1.3.3 Why Harley-Davidson Motorcycle Insurance Is the Best?
The wide range of motorcycle insurance coverage and extensive support make Harley-Davidson a good, cheap motorcycle insurance. What makes it a preferred choice for motorcyclists is its tailor-made insurance policies.
Being one of the cheapest motorcycle insurance providers and the most premium one makes Harley-Davidson top-rated.
2. Cheap Motorcycle Insurance Quotes By State

The motorcycle insurance rates can vary depending on many factors. However, the most common factor is where you live and ride your motorcycle. Motorcycle insurance differs greatly depending on which state you live in. Harley-Davidson may be the cheapest motorcycle insurance provider than Dairyland in certain U.S. states.
2.1 Cheap Motorcycle Insurance California
Motorcycle insurance rates are usually higher in California, with an average of $46 per month. Harley Davidson provides the cheapest insurance rate in the state, costing $42.
2.2 Cheap Motorcycle Insurance Texas
Dairyland offers the lowest motorcycle insurance rate in Texas. It costs only $22 per month to riders if you ride in Texas. Meanwhile, the average motorcycle insurance rate in Texas is around $46, which is more than double what Dairyland offers in the state.
2.3 Cheap Motorcycle Insurance Florida
Florida is also one of the most expensive states in the U.S. for motorcyclists. It costs an average motorcycle insurance rate of $54. However, if you want to go for the cheapest motorcycle insurance full coverage in Florida, Dairyland offers the cheapest monthly insurance rate of only $24.
2.4 Cheap Motorcycle Insurance Georgia
Harley-Davidson takes the lead as one of the cheapest motorcycle insurance full coverage in Georgia. It only charges $21 for full coverage motorcycle insurance. Meanwhile, the average motorcycle insurance cost in Georgia is $38.
2.5 Cheap Motorcycle Insurance Indiana
Full coverage motorcycle insurance is pretty cheap in Indiana, costing an average of $28. Meanwhile, Progressive Motorcycle Insurance provides good, cheap motorcycle insurance for only $12 in Indiana.
2.6 Cheap Motorcycle Insurance Maine
Progressive Motorcycle Insurance offers the cheapest monthly insurance rate of $11 in Maine. Meanwhile, the average monthly motorcycle insurance rate in the state is $21.
2.7 Cheap Motorcycle Insurance North Dakota
Harley Davidson offers its premium motorcycle insurance services in North Dakota at the lowest possible monthly rate of $13. At the same time, the average motorcycle insurance cost in the region is $18.
2.8 Cheap Motorcycle Insurance Kentucky
Kentucky is among the most expensive states if you want your motorcycle insured with full coverage. The average motorcycle insurance cost in Kentucky is the highest, reaching $69. Thanks to Dairyland Motorcycle Insurance, which offers motorcyclist insurance services for only $22 in Kentucky.
3. Compare to Choose the Best Motorcycle Insurance Provider

When comparing the cheapest motorcycle insurance full coverage provider to choose the best, look for the following:
Coverage Options: When comparing Dairyland, Progressive, and Harley-Davidson Insurance, check out their coverage options in detail. These three motorcycle insurance providers offer the cheapest full coverage motorcycle insurance, including liability, comprehensive, and collision.
Premiums: Check for the lowest motorcycle insurance rates in your state, alongside quality of service provision and premium offerings.
Additional Benefits: Look for the unique benefits each motorcycle insurance provider offers, such as roadside assistance and custom parts coverage.
Nationwide, Allstate, and Geico Motorcycle Insurance
Geico motorcycle insurance, Nationwide motorcycle insurance, and Allstate motorcycle insurance are also worth mentioning for their solid offerings. They may provide a slightly higher insurance rate but are still reliable.
4. Frequently Asked Questions (FAQs)
4.1 What Company Has the Cheapest Motorcycle Insurance?
Dairyland is a renowned insurance company that offers the cheapest motorcycle insurance rates. Though the monthly motorcycle insurance rates may vary in different states, but on average, Dairyland motorcycle insurance charges $22/month. It also offers full coverage to protect you financially in most situations.
Other than Dairyland, Progressive, and Harley-Davidson Insurance also offer the lowest motorcycle insurance rates in most states.
4.2 What Does Full Coverage Cover on a Motorcycle?
If a motorcycle insurance company offers full coverage, it means you are fully covered and protected in case of a motorcycle accident, damage, and other unfortunate situations.
The full coverage on a motorcycle includes the following:
Collision Coverage: covers the repair and replacement costs of any damage caused as a result of a motorcycle collision with another vehicle, building, or tree.
Comprehensive Coverage: It covers your loss in case of natural disaster, theft, and fire.
Liability Coverage: It covers any property or bodily damage to another person by you.
Personal injury
Roadside Assistance
4.3 What Type of Insurance Is Best for Motorcycles?
Comprehensive full coverage is the best type of insurance for motorcycles. This policy offers complete protection to motorcyclists in case of any damage to the bike and loss. It also offers liability coverage to motorcyclists, which proves to be very useful in case a third party is involved.
4.4 How Much Is Full Coverage Motorcycle Insurance in California?
A full coverage motorcycle in California costs around $46 monthly, making it around $552. You can still look for cheaper options, but you may have to compromise on the full coverage insurance.
Harley-Davidson insurance offers the cheapest full coverage motorcycle insurance rates in California, costing not more than $42 per month.
4.5 How Much Is Motorcycle Insurance Per Month Average?
The average motorcycle insurance cost per month in the United States can vary depending on many factors. However, it can cost somewhere around $33 monthly and $400 annually. You can also find a cheaper motorcycle insurance option depending on the coverage and liability policies.
4.6 Can I Add a Motorcycle to My Car Insurance?
Normally, you will have to buy a separate insurance plan for your motorcycle. However, there are some insurance companies that allow you to include motorcycles and scooters in your existing insurance plan and policy by paying an additional amount.
4.7 When Financing a Motorcycle, Do You Need Full Coverage?
It is your decision what type of coverage you want while insuring your bike. However, when financing a motorcycle, you will be required to have full coverage as this is the basic requirement from the lender who is lending you the money. It is a part of the lease agreement between the lender and the motorcyclist when financing a motorcycle.
It provides security to the lender and full protection in case of any damage to the motorcycle.
4.8 Which Motorcycles Are Most Expensive to Insure?
The more riskier a motorcycle is, the more expensive it will be to insure it. On that basis, sports bikes are the most expensive motorcycles to insure, mainly because they are high-performance bikes designed for high speed.
Secondly, they are also comparatively riskier to ride than other motorcycle types, like cruisers and touring bikes with upright riding stances.
Sport bikes are also more prone to get stolen due to being a more attractive option for many.
5. Conclusion
It is best to have full coverage motorcycle insurance so you can ride with peace of mind. However, motorcycle insurance has become quite expensive nowadays. There is still no better way to ride your motorcycle without having it insured.
What you can do is find the cheapest motorcycle insurance to get yourself covered and protected from almost all kinds of losses and damages.
If you are low on the budget, this article provides the top 3 cheapest motorcycle insurance you can go for in 2025 in the U.S. However, make sure to do the full research.
Dairyland, Progressive, and Harley-Davidson Insurance are the best and cheapest motorcycle insurance providers in the region.
There are still many other options, including Geico motorcycle insurance, Allstate motorcycle insurance, and Nationwide motorcycle insurance.
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