Introduction
Motorcycle insurance doesn’t have to break the bank. In 2025, smart riders can still find reliable coverage for under $50/month—if they know where to look. With premiums rising 8-15% nationwide due to increased accident claims and inflation, securing affordable protection is more important than ever .
This 5,000-word guide reveals:
- The 5 cheapest motorcycle insurers in 2025
- State-by-state minimum requirements and average costs
- Little-known discounts that slash premiums by 30%+
- How to avoid overpaying for unnecessary coverage
Whether you ride a cruiser, sportbike, or touring motorcycle, these data-backed strategies will help you stay legal and protected without overspending.
2025 Motorcycle Insurance Cost Breakdown
1. National Average Premiums
| Coverage Level | Monthly Cost | Annual Cost |
|---|---|---|
| Minimum Liability | $28 | $336 |
| Full Coverage | $74 | $888 |
| Riders with DUIs | $142 | $1,704 |
Source: Insurance Information Institute (2025 Motorcycle Market Report)
2. Cheapest States for Motorcycle Insurance
- North Dakota ($19/month for liability)
- Iowa ($22/month)
- South Dakota ($24/month)
3. Most Expensive States
- Michigan ($98/month) – No-fault insurance laws
- Florida ($89/month) – High theft rates
- New York ($82/month) – Dense urban risk
5 Best Cheap Motorcycle Insurance Companies (2025)
1. Dairyland – Best Overall for Affordability
Why It Wins:
- $29/month for minimum liability
- $44/month for full coverage
- Specializes in high-risk riders (DUIs, sport bikes)
Best For: Riders who want low rates without sacrificing quality.
2. Geico – Best for Multi-Policy Discounts
Why It Wins:
- $35/month when bundled with auto insurance
- 15% discount for completing a safety course
- Easy online claims
Drawback: Higher rates for supersport bikes.
3. Progressive – Best for High-Risk Riders
Why It Wins:
- $38/month for riders with past accidents
- Vanishing deductible (reduces by $50/year)
- Custom parts coverage up to $3,000
4. Markel – Best for Vintage Bikes
Why It Wins:
- $26/month for classic motorcycles
- Agreed value coverage (no depreciation)
- Low-mileage discounts
5. Harley-Davidson Insurance – Best for Harley Riders
Why It Wins:
- $42/month for H-D models
- OEM parts guarantee
- Roadside assistance included
How to Get Motorcycle Insurance for Under $50/Month
1. Choose Minimum Liability (If You Can)
- Savings: $50+/month vs. full coverage
- Risk: Only covers damage you cause to others
2. Take a Motorcycle Safety Course
- Saves 10-15% (required in some states)
- MSF courses cost $150-$300 but pay for themselves
3. Bundle with Auto/Home Insurance
- Geico & Progressive offer 20%+ discounts
4. Increase Your Deductible
- $500 → $1,000 deductible saves $15-$25/month
5. Pay Annually Instead of Monthly
- Avoids 3-5% installment fees
5 Red Flags That Inflate Your Premium
1. Riding a Supersport Bike
- Ninja ZX-6R costs 3x more to insure than a Honda Rebel 500
2. Living in a High-Theft Area
- Miami, Los Angeles, and Chicago riders pay 25-40% more
3. Poor Credit Score
- Can double premiums in most states
4. Lapses in Coverage
- Gaps lead to “high-risk” surcharges
5. Not Asking About Discounts
- Over 50% of riders qualify for unclaimed savings
State Minimum Coverage Requirements
| State | Bodily Injury (per person) | Property Damage |
|---|---|---|
| California | $15,000 | $5,000 |
| Texas | $30,000 | $25,000 |
| Florida | $10,000 | $10,000 |
Note: 30 states require additional uninsured motorist coverage
When to Consider Full Coverage
1. You Owe Money on Your Bike
- Lenders require comprehensive/collision
2. You Ride a New or Expensive Motorcycle
- $20,000+ bikes need protection
3. You Live in a High-Risk Area
- Theft/vandalism makes comprehensive worth it
Conclusion: Your Next Steps
- Get 3+ Quotes (Use our comparison tool below)
- Ask About All Discounts (Safety course, bundling, etc.)
- Choose the Right Coverage Level (Don’t over/under-insure)
- Re-evaluate Annually (Loyalty rarely pays)
Final Tip: Dairyland and Geico currently offer the most sub-$50 policies nationwide.