Who Has The Cheapest Motorcycle Insurance Quotes In Idaho?
Dairyland has the best cheap motorcycle insurance in Idaho, at $17 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Idaho
Best cheap motorcycle insurance in Idaho
How we chose the top companies
Cheapest motorcycle insurance companies in Idaho
Dairyland and Harley-Davidson have the most affordable motorcycle insurance in Idaho.
Both companies offer full coverage insurance for around $17 per month, which is 35% cheaper than the average price statewide.
It's worth comparing quotes from both companies to see which offers you a better rate. Dairyland typically has better customer service, while Harley-Davidson offers more coverage add-ons and discounts.
Cheapest insurance companies
Find Cheap Motorcycle Insurance Quotes in Idaho
The average cost of motorcycle insurance in Idaho is $26 per month for full coverage. That's about 20% cheaper than the national average.
Best cheap motorcycle insurance in Idaho
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | 3.5 out of 5 | $17 | |
| Harley-Davidson | 3.5 out of 5 | $17 | |
| Progressive | 3.0 out of 5 | $26 | |
| Nationwide | 2.0 out of 5 | $28 | |
| Geico | 2.0 out of 5 | $31 | |
| Allstate | 2.5 out of 5 | $35 | |
Best motorcycle insurance for most people: Dairyland
Dairyland is one of the cheapest motorcycle insurance companies in Idaho, at $17 per month. That's $9 per month less than the Idaho average.
Customers are typically satisfied with the service they get from Dairyland.
It has an average number of complaints for a company its size, which means you can expect a typical claims experience after an accident. While that's not exceptional, it's much better than Harley-Davidson, which gets 64% more complaints than expected.
Dairyland doesn't offer as many coverage options as other companies, but it has enough add-ons to customize a policy that's useful for most people. For example, you can add rental reimbursement and roadside assistance. These are both important coverage add-ons for daily riders because they'll help you get back on the road quickly if something happens to your bike.
Best for discounts: Harley-Davidson
Full coverage motorcycle insurance from Harley-Davidson costs around $17 per month, which is the cheapest rate in Idaho.
Progressive also offers more discounts than other major motorcycle insurance companies, which can help make its already low rates even more affordable.
You can save money by:
- Having a motorcycle endorsement on your license
- Owning a home, regardless of which company insures it
- Insuring multiple motorcycles with Harley-Davidson
- Being a member of Harley Owners Group
- Installing an anti-theft device on your bike, such as an audible alarm
- Taking an H-D Riding Academy course
- Paying your motorcycle insurance bill on time
- Riding a brand-new bike
- Buying planned maintenance insurance from Harley-Davidson
Harley-Davidson also offers discounts to military members and law enforcement, people with years of experience riding a motorcycle and loyal customers.
In addition, there are lots of ways to upgrade your protection with Harley-Davidson. For example, you can add replacement cost coverage for custom parts installed on your bike.
The main downside to choosing Harley-Davidson is the high number of customer complaints. The majority of complaints are about low settlement offers, which means you may pay more to fix your bike after an accident.
Best for extra coverage: Progressive
Progressive's motorcycle insurance costs around $26 per month for full coverage. That's the same as the Idaho average.
However, Progressive's full coverage policy comes with protection for which most companies charge extra.
This includes:
- Full replacement cost for parts guarantees Progressive will give you enough money to fully repair your bike after an accident. In comparison, most companies consider wear and tear prior to an accident, so you may get only enough to buy used parts.
- Original equipment manufacturer (OEM) parts coverage means Progressive will pay to fix your bike using parts from the original manufacturer, as opposed to cheaper aftermarket parts.
- Up to $3,000 of coverage for custom parts and accessories such as saddlebags or custom handlebars. You can expand this coverage up to $30,000 for an extra fee.
This extra coverage could make Progressive worth the higher cost.
In addition, Progressive offers lots of discounts to help make it more affordable. Some of these discounts are very easy to get. For example, it offers discounts for:
- Switching from another motorcycle insurance company
- Getting a quote one day before your current policy expires
- Having a motorcycle license or endorsement
- Paying your policy up front, on time or with automatic payments
Finally, people tend to be happy with the service they get from Progressive. It gets 31% fewer complaints than similar insurance companies. That means you can count on Progressive to get you back on the road quickly after an accident.
One downside is that Progressive doesn't offer rental reimbursement. That means you'll have to pay for a rental car while your motorcycle is in the repair shop after a crash.
Idaho motorcycle insurance rates by city
Riders in Payette have the cheapest motorcycle insurance in Idaho, at $25 per month for full coverage insurance.
Numerous cities in Idaho tied for the most expensive rates in the state, including Coeur d'Alene, Lewiston and St. Maries. Riders in these cities pay an average of $30 per month.
Average cost of full coverage motorcycle insurance by Idaho city
City | Monthly cost | % from average |
|---|---|---|
| Blackfoot | $29 | 13% |
| Boise | $26 | 0% |
| Bonners Ferry | $27 | 4% |
| Burley | $29 | 14% |
| Challis | $26 | 2% |
Where you live and store your motorcycle affects your insurance rates. If you live in an area with a high rate of motorcycle theft or rough roads that cause a lot of accidents, you may pay more for insurance.
Idaho motorcycle insurance requirements
In Idaho, you need an insurance policy with at least 25/50/15 to legally ride a motorcycle.
This is the same as the requirement for insuring a car.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
Methodology
To find the best cheap motorcycle insurance in Idaho, ValuePenguin editors collected quotes from six major motorcycle insurance companies. Rates are for a single 45-year-old man with a clean driving record who owns a 2018 Honda CMX500 Rebel.
Quotes include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $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
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
