Who Has the Cheapest Motorcycle Insurance in Oklahoma?
Dairyland has the cheapest motorcycle insurance in Oklahoma, with an average of $19 per month.
Find Cheap Motorcycle Insurance Quotes in Oklahoma
Best cheap motorcycle insurance in Oklahoma
How we chose the top companies
Cheapest motorcycle insurance in Oklahoma
Dairyland has the cheapest motorcycle insurance in Oklahoma.
It costs an average of $19 per month for a full coverage policy from Dairyland. That's about half the state average.
Find Cheap Motorcycle Insurance Quotes in Oklahoma
The average cost of motorcycle insurance in Oklahoma is $36 per month, which is 13% more expensive than the national average.
Cheapest motorcycle insurance companies in OK
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $19 | |
| Harley-Davidson | $25 | |
| Allstate | $33 | |
| Progressive | $35 | |
| Geico | $69 | |
Best motorcycle insurance in Oklahoma for cheap rates: Dairyland
-
Editor's rating
-
Cost: $19/month
Overview
Pros/cons
Dairyland has the cheapest motorcycle insurance in Oklahoma, but its customer service is below average.
The average price for motorcycle insurance at Dairyland is just $19 per month. That's the lowest in the state, and 24% lower than the second-cheapest company, Harley-Davidson.
However, Dairyland's customer service is not well-rated.
It gets nearly twice as many complaints as an average insurance company its size. Most complaints are about Dairyland's long claims process, which means it could take longer for you to get back on the road after a crash.
Dairyland offers some helpful coverage options for daily riders, including rental reimbursement and roadside assistance.
But it doesn't offer popular add-ons for people who take their motorcycles on long touring trips. If you want trip interruption or trailer coverage, you should consider Progressive instead.
Best for extra coverage: Harley-Davidson
-
Editor's rating
-
Cost: $25/month
Overview
Pros/cons
Harley-Davidson offers lots of ways to upgrade your coverage, along with numerous discounts to help you save money on insurance.
Harley-Davidson offers a number of ways to customize your motorcycle insurance coverage. This includes replacement cost coverage for new motorcycles, as well as rental reimbursement coverage. This coverage pays for a rental while your bike is in the shop after an accident.
Harley-Davidson also offers helpful coverage add-ons for people who travel often. You can add trip interruption, which pays for extra travel expenses if your motorcycle breaks down while you're away from home, or vacation rental insurance, which extends your protection to cover a rental motorcycle.
Full coverage motorcycle insurance from Harley-Davidson costs $25 per month, which is $11 per month less than the Oklahoma average.
Harley also offers lots of discounts that can make its motorcycle insurance even more affordable.
These include lower rates for owning your home, insuring multiple bikes, taking a riding class, and having a motorcycle endorsement on your license. However, one discount you can't get at Harley-Davidson is for bundling your motorcycle insurance with your home and auto insurance because the company doesn't sell either.
The main downside to choosing Harley-Davidson is its high number of customer complaints. Like Dairyland, customers tend to complain about its lengthy claims process.
If you choose Harley-Davidson, you should consider adding rental reimbursement. That way, the company will pay for a rental car while you wait for your bike to be fixed.
Best customer service: Progressive
-
Editor's rating
-
Cost: $35/month
Overview
Pros/cons
Progressive has the best customer service reviews in Oklahoma, but its great service comes at a price.
Oklahoma riders can count on Progressive to get them back on the road quickly after an accident.
The company only gets one-third as many complaints as an average company its size. That suggests people are typically happy with the service they get from Progressive.
Progressive's average cost of motorcycle insurance is $35 per month, which is $1 less than the OK state average.
But Progressive also offers lots of discounts to help its rates be more competitive. These include a discount for bundling multiple kinds of insurance together, which may not be available with Dairyland or Harley-Davidson, depending on which other types of insurance you need.
You can also save money by:
- Having a valid motorcycle license
- Being a member of certain associations, like H.O.G.
- Getting a quote more than one day before your policy starts
- Switching from another insurance company to Progressive
- Taking a safety course
- Avoiding tickets or accidents for at least three years
- Paying for your entire policy up front
- Consistently making payments on time
- Using autopay for your bill
Progressive's basic full coverage policy comes with protection that most other companies charge extra for. This includes:
These extra coverages could make Progressive's higher price worth it if you have a new or highly customized motorcycle.
Progressive also offers lots of coverage add-ons, like roadside assistance and trip interruption and trailer coverage if you tow your bike behind another vehicle.
However, you can't get rental reimbursement from Progressive, which helps pay for a rental car after an accident. If you're concerned about this added expense, you should consider Dairyland or Harley-Davidson instead.
Motorcycle insurance cost in Oklahoma by city
Ada, Altus and Ardmore have the cheapest motorcycle insurance among Oklahoma's bigger cities.
People living in these cities pay an average of $34 per month for full coverage motorcycle insurance.
Oklahoma's second-largest city, Tulsa, and Broken Arrow have the highest rates in the state, at $40 per month. The largest city, Oklahoma City, also has very expensive rates, at $39 per month.
Average bike insurance rates in OK by city
City | Monthly cost | % from average |
|---|---|---|
| Ada | $34 | -6% |
| Altus | $34 | -7% |
| Ardmore | $34 | -7% |
| Bartlesville | $35 | -3% |
| Bixby | $37 | 1% |
Oklahoma motorcycle insurance requirements
Oklahoma requires motorcycle owners to have insurance with a minimum of 25/50/25 in liability coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
You should get more coverage than the state minimum if you can afford it.
Increasing your liability limits will help you avoid a big bill after an accident where you're at fault. And adding collision and comprehensive coverage will protect your motorcycle in an accident, regardless of whose fault it is.
Frequently asked questions
How much is insurance on a motorcycle in Oklahoma?
The average cost of motorcycle insurance is $36 per month in Oklahoma. That's 13% more expensive than the national average, which is $32 per month.
Is motorcycle insurance required in Oklahoma?
Oklahoma requires motorcycle owners to have a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident, along with $25,000 of property damage liability.
How much is a motorcycle license in Oklahoma?
To get a motorcycle license in Oklahoma, you must pay a $4 application fee. You must also pay a $38.50 license renewal fee or a $25 license replacement fee to get a new copy of your driver's license showing the motorcycle endorsement.
How much is motorcycle insurance in Oklahoma City?
The average cost of motorcycle insurance in Oklahoma City is $39 per month for a full coverage policy. That's 8% more expensive than the Oklahoma state average.
Methodology
To find the best cheap motorcycle insurance in Oklahoma, ValuePenguin collected more than 150 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, which 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
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.
