Who Has the Cheapest Motorcycle Insurance in Indiana?
Progressive has the cheapest motorcycle insurance in Indiana, at an average cost of $12 per month.
Find Cheap Motorcycle Insurance Quotes in Indiana
Best cheap motorcycle insurance in Indiana
How we chose the top companies
Cheapest motorcycle insurance in Indiana
Progressive has the cheapest motorcycle insurance in Indiana for most people.
The company charges an average of $12 per month for a full coverage policy.
That's less than half the Indiana state average of $28 per month.
Find Cheap Motorcycle Insurance Quotes in Indiana
USAA has slightly cheaper rates, at an average of $11 per month. But only current or former military members can buy USAA coverage.
Keep in mind that Progressive manages USAA's motorcycle insurance. In other words, you're getting Progressive motorcycle coverage at a small discount when you buy through USAA.
Cheapest motorcycle insurance companies in IN
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $12 | |
| Dairyland | $19 | |
| Harley-Davidson | $27 | |
| Geico | $32 | |
| Allstate | $33 | |
| Nationwide | $43 | |
Best motorcycle insurance for most people: Progressive
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Editor's rating
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Cost: $12/month
Overview
Pros/cons
Progressive has the best motorcycle insurance in Indiana because of its cheap rates, good customer service and many coverage extras.
Progressive has the best motorcycle insurance for most people in Indiana. The company has cheap rates, charging an average of $12 per month for full coverage. That's almost 60% cheaper than the Indiana state average.
Progressive lets you personalize your motorcycle policy with many extras. For example, you can add coverage that will pay to repair or replace your personal items after an accident, called carried contents coverage. You can also get extra benefits that will pay out up to $250 per week for as long as two years, called enhanced injury coverage.
Plus, all Progressive motorcycle insurance policies come standard with full replacement cost coverage. Many companies make you pay extra for this benefit.
Progressive doesn't offer coverage that will pay for a rental bike after an accident, which is called rental reimbursement coverage. If you rely on your motorcycle for commuting or other daily tasks, consider a different company such as Harley-Davidson.
Best motorcycle insurance for touring: Harley-Davidson
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Editor's rating
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Cost: $27/month
Overview
Pros/cons
Harley-Davidson has the best motorcycle coverage in Indiana for road trips.
Harley-Davidson has the best motorcycle insurance for Indiana riders who need coverage while on vacation. That's because Harley-Davidson lets you maintain your normal motorcycle insurance coverage while riding a rental.
Plus, Harley-Davidson offers rental reimbursement and trip interruption coverage.
Harley-Davidson has roughly average rates, at $27 per month. But you can lower the amount you pay for insurance by taking advantage of one or more discounts, such as savings for homeowners, those who've completed a safety course and riders who've gone a certain amount of time without filing a claim.
Best motorcycle insurance for customer service: Nationwide
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Editor's rating
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Cost: $43/month
Overview
Pros/cons
Nationwide has the best customer service among motorcycle insurance companies in Indiana.
Nationwide has a strong reputation for customer service. The company gets significantly fewer complaints than an average company its size. Customers also rated Nationwide highly for customer satisfaction, according to a recent J.D. Power study.
Nationwide charges high average rates, at $43 per month. But you can lower the amount you pay for motorcycle insurance by using one or more discounts. These include discounts for bundling, owning a home, taking a safety course and more.
But Nationwide offers only a few ways to personalize your policy. If you need extra coverage benefits, consider a company such as Progressive.
Indiana motorcycle insurance cost by city
The most expensive motorcycle insurance quotes in Indiana's larger cities are in Gary, a suburb of Chicago.
Full coverage motorcycle insurance in Gary costs $40 per month, on average. Bluffton, a small city in northeastern Indiana, has the cheapest rates of Indiana's larger cities, at $26 per month.
Average motorcycle insurance cost in IN by city
City | Monthly cost | % from average |
|---|---|---|
| Anderson | $27 | -3% |
| Auburn | $27 | -4% |
| Bedford | $28 | 1% |
| Bloomington | $28 | 2% |
| Bluffton | $26 | -7% |
The cost of motorcycle insurance in Indiana differs by up to $14 per month, depending on where you live. If you live in an area with a high crime rate or poorly maintained roads, you may pay more for insurance.
Indiana motorcycle insurance laws
Indiana requires motorcycle riders to have a minimum amount of bodily injury and property damage liability insurance. This requirement is sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000
Frequently asked questions
Who has the cheapest motorcycle insurance in Indiana?
Progressive has the cheapest motorcycle quotes in Indiana, at an average of $12 per month for a full coverage policy. That's less than half as much as most riders in the state pay for full coverage.
How much does motorcycle insurance cost in Indiana?
Indiana motorcycle insurance costs $28 per month for full coverage, on average. That's slightly cheaper than the national average of $32 per month.
Does Indiana require motorcycle insurance?
Yes, Indiana riders need to have a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident. You must also have $25,000 of property damage liability. This is sometimes written as 25/50/25.
Methodology
To find the best cheap motorcycle insurance in Indiana, ValuePenguin collected more than 350 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy. It includes 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
Talon Abernathy is a ValuePenguin Senior Writer who specializes in health insurance, Medicare and Medicaid. He's 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.
