Who Has The Cheapest Motorcycle Insurance In Delaware?
Harley-Davidson is the cheapest motorcycle insurance in Delaware, with an average rate of $23 per month
Find Cheap Motorcycle Insurance Quotes in Delaware
Best cheap motorcycle insurance in Delaware
How we chose the top companies
Cheapest motorcycle insurance in Delaware
Harley-Davidson has the cheapest motorcycle insurance in Delaware, at $23 per month, on average.
That's roughly 38% less than the Delaware state average of $37 per month.
Cheapest insurance companies
Find Cheap Motorcycle Insurance Quotes in Delaware
Dairyland and Progressive also have cheap rates, at an average of $25 and $27 per month, respectively. You can lower your monthly costs even more by taking advantage of one or more discounts.
Cheapest motorcycle insurance companies in DE
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson Insurance | 3.5 out of 5 | $23 | |
| Dairyland | 4.0 out of 5 | $25 | |
| Progressive | 4.0 out of 5 | $27 | |
| Allstate | 2.5 out of 5 | $41 | |
| Geico | 2.0 out of 5 | $42 | |
| Nationwide | 1.5 out of 5 | $63 | |
Best for most people: Dairyland
Best for touring and commuting: Harley-Davidson
Best for bundling: Progressive
Delaware motorcycle insurance costs by city
Riders in Elsmere and Wilmington pay the highest motorcycle insurance rates in Delaware, at $43 per month, on average.
Dover, despite being the second-largest city by population, has fairly average rates. Smaller cities such as Bridgeville and Lewes have some of the lowest rates. That's possibly because you're less likely to get into an accident in areas with fewer people.
Average motorcycle insurance cost in DE by city
City | Monthly cost | % from average |
|---|---|---|
| Bridgeville | $34 | -8% |
| Camden | $35 | -4% |
| Claymont | $40 | 9% |
| Clayton | $37 | 0% |
| Delaware City | $40 | 7% |
Delaware motorcycle insurance requirements
To ride your motorcycle legally, you have to have an insurance policy with at least enough coverage to satisfy Delaware's insurance laws. These limits are usually written as 25/50/10.
- Bodily injury liability (per person): $25,000
- Bodily injury liability (per accident): $50,000
- Property damage liability: $10,000
- Personal injury protection (per person): $15,000
- Personal injury protection (per accident): $30,000
You can't buy an insurance policy with limits lower than these. But it often makes sense to buy policies with higher limits. The more coverage you have, the less you have to pay out of your own pocket if you get into an accident.
PIP coverage can be very expensive for motorcycles, so many companies will allow you to carry $15,000 with a $15,000 deductible. That essentially allows you to waive the coverage.
Frequently asked questions
Who has the cheapest motorcycle insurance in Delaware?
Harley-Davidson sells the cheapest motorcycle insurance in Delaware. A policy costs $23 per month, on average, and the company has many extra coverage options that you can add to build a more personalized policy.
How much is motorcycle insurance in Delaware?
Motorcycle insurance costs an average of $37 per month in Delaware. You can get a cheaper policy from Harley-Davidson, Dairyland, Progressive or USAA.
Do you need motorcycle insurance in Delaware?
Yes, Delaware requires that you have a policy with at least 25/50/10 coverage. That means $25,000 in bodily injury per person, $50,000 bodily injury per accident and $10,000 in property damage coverage.
You also have to have at least $15,000 per person and $30,000 per accident in personal injury protection coverage.
Methodology
To find the best cheap motorcycle insurance in Delaware, ValuePenguin collected 175 quotes from the largest cities across DE. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Former Senior Writer
Talon Abernathy is a former ValuePenguin Senior Writer who specialized in health insurance, Medicare and Medicaid. He also contributed to other insurance verticals including home, renters, auto, motorcycle and flood insurance.
Talon came to ValuePenguin in 2023. Since his arrival, he's helped to expand the site's health insurance-related content offerings. He enjoys helping readers understand the ins and outs of America's all too complicated health insurance landscape.
Before coming to ValuePenguin, Talon worked as a freelance writer. His prior work has touched on a broad range of personal finance-related topics including credit-building strategies, small business incorporation tactics and creative ways to save for retirement.
Insurance tip
In many parts of the country, you can qualify for a free Silver health insurance plan if you meet certain income requirements. Government subsidies in the form of premium tax credits and cost-sharing reductions may mean you'll pay nothing for coverage.
Expertise
- Health insurance
- Medicare and Medicaid
- Flood insurance
- Homeowners insurance
- Renters insurance
- Auto and motorcycle insurance
Referenced by
- The Miami Herald
- Money.com
- MSN
- Nasdaq
- The Sacramento Bee
- Yahoo! Finance
Education
- BA, University of Washington
- Certificate in Copyediting, UC San Diego
Credentials
- Licensed Life & Disability Insurance Agent
- Licensed Property & Casualty Insurance Agent
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
