Best and Cheapest Motorcycle Insurance in New Hampshire
Progressive offers the best cheap motorcycle insurance in New Hampshire, at an average of $17 per month.
Find Cheap Motorcycle Insurance Quotes in New Hampshire
Best cheap motorcycle insurance in New Hampshire
How we chose the top companies
Cheapest motorcycle insurance in New Hampshire
Progressive has the cheapest motorcycle insurance in New Hampshire.
Full coverage from Progressive costs an average of $17 per month. That's one-third less than the state average of $27 per month.
Find Cheap Motorcycle Insurance Quotes in New Hampshire
Motorcycle insurance in New Hampshire is 16% cheaper than the national average of $32 per month.
Cheap motorcycle insurance quotes in NH
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $17 | |
| Geico | $23 | |
| Nationwide | $25 | |
| Allstate | $32 | |
| Harley-Davidson Insurance | $32 | |
| Dairyland | $33 | |
Best for most people: Progressive
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Editor's rating
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Cost: $17/month
Overview
Pros/cons
Progressive has New Hampshire's lowest rates, plus useful coverage options.
At $17 per month, the company has the cheapest coverage in New Hampshire. That's $10 per month less than the state average.
A standard policy from Progressive includes extra coverages that other companies usually charge more for. That includes replacement cost coverage, which gives you a better payout when your bike is damaged or totaled, plus protection for custom parts.
- Full replacement cost means wear and tear won't factor into what the company will pay to repair or replace your bike.
- Original equipment manufacturer (OEM) parts coverage means your insurance company will pay for parts from the original manufacturer instead of cheaper aftermarket parts.
- Custom parts coverage includes up to $3,000 for additions like a custom seat, CB radio or saddlebags.
Progressive has a good reputation for customer service. The company gets 32% fewer customer complaints than an average company its size. That's a sign that customers are typically happy with their service.
One drawback is that Progressive doesn't offer rental reimbursement after an accident and protection for your bike while you're towing it. This means if your bike is your main vehicle, Progressive might not have all the coverage you're looking for.
Best for commuters: Harley-Davidson
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Editor's rating
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Cost: $32/month
Overview
Pros/cons
Harley-Davidson has great coverage options for people who commute on their motorcycle.
If your motorcycle is the primary or only way you get around, Harley-Davidson could be a good fit for you. It offers lots of coverage options, including rental reimbursement coverage. This pays for a rental motorcycle or other transportation if you need it while your bike is being repaired.
It offers a wide range of other options, including:
- Roadside assistance offers help if you have battery issues, a flat tire or mechanical problems, as well as 24/7 towing.
- Rental reimbursement pays for a rental vehicle while your motorcycle is in the shop after an accident.
- Vacation rental insurance applies if you rent a motorcycle while you're on vacation.
- Safety apparel coverage pays to replace your helmet, motorcycle jacket or other equipment if it's damaged.
Harley-Davidson only sells motorcycle insurance, so it doesn't offer coverage for your car. Plus, you can't bundle your home or renters insurance for a discount.
Unfortunately, Harley-Davidson has lackluster prices and service compared to Progressive, ValuePenguin's top pick. H-D's average rate of $32 per month is 19% higher than the state average, and nearly twice as expensive as Progressive's.
And Harley-Davidson Insurance customers aren't always thrilled with its service, either. The company got about twice as many complaints as an average company its size, suggesting customers tended not to be happy with things like claim payouts or price increases.
Best for veterans: USAA
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Editor's rating
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Cost: $16/month
Overview
Pros/cons
USAA has an extra discount on top of Progressive's great rates.
USAA doesn't sell motorcycle insurance directly. Instead, USAA members get a 5% discount at Progressive. But you must be a military member, veteran or military family member to get the discount.
That brings the cost of a full coverage Progressive policy down to about $16 per month.
Motorcycle insurance from Progressive includes replacement cost coverage and $3,000 of custom parts coverage. Most other companies charge extra for these coverages.
USAA and Progressive both have highly rated customer service. That means riders can count on their insurer to get them back on the road quickly after an accident. Keep in mind that USAA motorcycle insurance policies are managed by Progressive, so you'll call Progressive if you need to make a claim or manage your policy — not USAA.
New Hampshire motorcycle insurance cost by city
Manchester, the largest city in New Hampshire, has the most expensive motorcycle insurance in the state, at $33 per month.
Several cities, including Berlin, Conway, Hanover, Keene and Laconia have the cheapest coverage, at $25 per month. Rates tend to be higher in more densely populated places, but in smaller states, the differences between the cheapest and most expensive cities tend to be smaller.
Average motorcycle insurance cost in NH by city
City | Monthly cost | % from average |
|---|---|---|
| Amherst | $29 | 7% |
| Bedford | $29 | 9% |
| Berlin | $25 | -9% |
| Claremont | $26 | -5% |
| Concord | $26 | -5% |
New Hampshire motorcycle insurance laws
Unlike most other states, New Hampshire does not require riders to have motorcycle insurance. It’s still usually a good idea to have insurance so that you’re protected if an accident happens. If you decide to get insurance, it will need to meet the state's minimum limits, often written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
Frequently asked questions
How much is motorcycle insurance in New Hampshire?
In New Hampshire, the average cost of motorcycle insurance is $27 per month. It's the 18th-cheapest state in the country, 16% cheaper than the national average.
Do you need insurance on a motorcycle in New Hampshire?
No, you are not required to have motorcycle insurance in New Hampshire. However, if you do get coverage, you need at least $25,000 of bodily injury liability insurance per person, $50,000 per accident and $25,000 of property damage liability.
What is the best motorcycle insurance in New Hampshire?
Progressive is the best option for motorcycle insurance in New Hampshire. The company has the lowest rates and a wide range of coverage options.
Methodology
ValuePenguin found average rates by collecting motorcycle insurance quotes from six major motorcycle insurance companies across 30 cities and towns in New Hampshire. Rates are for a 45-year-old single man with a 2018 Honda CMX500 Rebel.
Quotes are for full coverage policies. They include more liability coverage than the state requirements and 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
Top companies were selected using rates, coverage options, customer service metrics and other factors.
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
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.
