Who Has the Cheapest Motorcycle Insurance in Maryland?
Harley-Davidson has the cheapest motorcycle insurance in Maryland, at $21 per month. But Progressive is a better choice for most people because it only costs $2 per month more, with better customer service.
Find Cheap Motorcycle Insurance Quotes in Maryland
Best cheap motorcycle insurance in MD
How we chose the top companies
Cheapest motorcycle insurance companies in Maryland
Harley-Davidson has the cheapest motorcycle insurance quotes in Maryland.
At $21 per month, full coverage motorcycle insurance from Harley-Davidson costs 28% less than the state average.
Maryland riders should also compare quotes from Progressive.
While it costs an average of $2 per month more than Harley-Davidson, Progressive has much better customer service reviews. The company's full coverage policy also includes extra protection, which often makes Progressive worth the few extra dollars per month.
Find Cheap Motorcycle Insurance Quotes in Maryland
The average cost of motorcycle insurance in Maryland is $29 per month for a full coverage policy. That's 9% cheaper than the national average, $32 per month.
Best cheap motorcycle insurance quotes in Maryland
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson | 3.5 out of 5 | $21 | |
| Progressive | 3.5 out of 5 | $23 | |
| Dairyland | 2.0 out of 5 | $26 | |
| Geico | 2.5 out of 5 | $26 | |
| Allstate | 3.0 out of 5 | $32 | |
| Nationwide | 1.5 out of 5 | $48 | |
Best motorcycle insurance in Maryland for most people: Progressive
Best for cheap rates: Harley-Davidson
Best for military members: USAA
Maryland motorcycle insurance costs by city
Baltimore has the most expensive motorcycle insurance in Maryland, compared to other large cities.
Baltimore motorcycle insurance costs an average of $60 per month, which is more than double the statewide average.
A number of cities have the cheapest rates in the state, including Frederick, Westminster and Easton. People living in these cities pay just $21 per month for full coverage insurance, on average.
Average cost of motorcycle insurance in Maryland by city
City | Monthly cost | % from average |
|---|---|---|
| Aberdeen | $25 | -13% |
| Annapolis | $26 | -10% |
| Baltimore | $60 | 104% |
| Bel Air | $24 | -19% |
| Bladensburg | $43 | 45% |
The city and area where you live can impact your rates because insurance companies use factors such as traffic and auto theft rates to help set prices. That's part of the reason why rates are typically more expensive in larger cities.
Maryland motorcycle insurance requirements
Motorcycle owners in Maryland must have a minimum amount of liability insurance to drive legally, which is sometimes written as 30/60/15. You also need matching uninsured and underinsured motorist coverage.
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $15,000 per accident
- Uninsured and underinsured motorist bodily injury: $30,000 per person and $60,000 per accident
- Uninsured and underinsured motorist property damage liability: $15,000 per accident
However, minimum liability insurance isn't the best choice for most people.
An accident can bring high medical bills, sometimes more than the $30,000 limit. It also doesn't include any coverage for your motorcycle. You'll need to add comprehensive and collision coverages to protect your own bike.
Methodology
To find the best cheap motorcycle insurance in Maryland, ValuePenguin collected motorcycle insurance quotes from six major companies that offer coverage in the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Full coverage quotes include comprehensive and collision coverage and higher liability limits than the state requirement.
- 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.
