The Best Cheap Motorcycle Insurance in Pennsylvania
Progressive has the best cheap motorcycle insurance in Pennsylvania, at $16 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Pennsylvania
Best cheap PA motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance in Pennsylvania
Dairyland, Harley-Davidson and Progressive offer the cheapest motorcycle insurance in Pennsylvania.
All three companies charge an average of $16 per month for full coverage insurance. That's about half the average price in the state overall.
Progressive is typically the best choice for most people.
That's because it offers a mix of low rates, reliable customer service, helpful discounts and excellent coverage.
Find Cheap Motorcycle Insurance Quotes in Pennsylvania
The average price of motorcycle insurance in Pennsylvania is $30 per month for full coverage. That's a little less than the typical cost of coverage in the U.S., which is $32 per month.
Cheapest motorcycle insurance companies in Pennsylvania
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $16 | |
| Harley-Davidson | $16 | |
| Progressive | $16 | |
| Allstate | $32 | |
| Geico | $32 | |
| Nationwide | $70 | |
Best motorcycle insurance in PA for most people: Progressive
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Editor's rating
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Cost: $16/month
Overview
Pros/cons
Progressive offers the best combination of cheap rates, dependable service, excellent coverage and helpful discounts in Pennsylvania.
Progressive has the best motorcycle insurance for most people in Pennsylvania. Its rates are among the best in the state, and the company offers a great selection of coverage options and other discounts. It also gets very few customer complaints.
The average price of motorcycle insurance from Progressive is $16 per year, which is about half the typical cost statewide.
A full coverage policy from Progressive comes with protection that most companies charge extra for.
This includes:
- Replacement cost coverage for parts, which restores your motorcycle to its original condition after an accident, regardless of any prior wear and tear.
- Original manufacturer equipment coverage, which guarantees Progressive will fix your bike using parts from its original manufacturer, versus cheaper aftermarket parts.
- $3,000 of coverage for custom parts and accessories, like custom handlebars or an aftermarket stereo.
You can also upgrade your coverage by adding roadside assistance, trip interruption, towing coverage and other optional coverages.
However, Progressive doesn't offer rental reimbursement. If you depend on your bike to commute and don't have another way to get around, this coverage pays for a rental or other transportation while your motorcycle is in the shop after an accident. If you worry about paying for a rental after a crash, you should consider Dairyland or Harley-Davidson instead.
Progressive customers tend to be happy with their claims service.
The company gets about half as many complaints as a typical insurance company its size. That means you can rely on Progressive to get your life back to normal quickly after a crash.
Best for daily riders: Dairyland
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Editor's rating
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Cost: $16/month
Overview
Pros/cons
Dairyland offers important coverage add-ons for daily riders, along with some of the cheapest rates in the state.
Dairyland is the best choice in Pennsylvania if you use your motorcycle to commute or run errands, because it offers rental reimbursement and roadside assistance coverage. These coverages can help keep your life on track if something happens to your motorcycle.
- Roadside assistance pays for towing, jump starts, flat tire changes, locksmith services or fuel and oil delivery if your bike breaks down on the side of the road.
- Rental reimbursement covers the cost of a rental car while your motorcycle is in the repair shop after an accident.
However, Dairyland doesn't offer popular coverages for people who travel with their motorcycles, like trip interruption and trailer coverage.
If these coverages are important to you, you should consider Progressive instead.
While Dairyland is one of the cheapest options in Pennsylvania, it doesn't offer as many discounts as other companies. You can save money if you own a home, take a motorcycle safety course or are a member of a riding group, like H.O.G. But it doesn't offer a discount for making automatic payments, paying your bill in full or having an audible alarm on your bike.
Best for discounts: Harley-Davidson
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Editor's rating
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Cost: $16/month
Overview
Pros/cons
Harley-Davidson offers cheap rates and lots of discounts, along with many ways to customize your coverage.
Harley-Davidson is the best option if you can get many of its discounts. It has some of the cheapest rates in Pennsylvania, along with 13 discounts to help you save on your insurance bill.
This includes discounts for:
- Owning your home
- Having a motorcycle endorsement on your license
- Owning a brand-new motorcycle
- Completing an H-D Riding Academy course
- Installing an anti-theft device on your bike, like an audible alarm or LoJack
- Insuring more than one motorcycle with Harley-Davidson
You can also get a discount if you've had a motorcycle license for a certain amount of time, or if you're an active or retired military member or law enforcement officer.
Harley-Davidson also offers lots of extra coverages like rental reimbursement and trip interruption that can keep you safe and on the road during a tour.
One downside to Harley-Davidson is that it doesn't offer other kinds of insurance, like auto or renters insurance.
That means you can't bundle your home insurance or renters insurance, and you'll have to manage your motorcycle policy separately from other insurance policies you carry.
In addition, Harley-Davidson gets 64% more customer complaints than an average company its size. Most complaints are about its lengthy claims process, which means it may take longer to fix your bike after an accident.
Pennsylvania motorcycle insurance rates by city
Philadelphia is the most expensive major city in Pennsylvania for motorcycle insurance.
People living in PA's largest city pay an average of $63 per month for full coverage insurance.
You can find the cheapest rates in numerous cities and towns, including State College, Cranberry and New Castle. Riders in these areas pay just $27 per month for coverage.
Average motorcycle insurance cost in PA by city
City | Monthly cost | % from average |
|---|---|---|
| Altoona | $28 | -7% |
| Beaver | $28 | -7% |
| Butler | $27 | -12% |
| Carlisle | $29 | -5% |
| Carnegie | $31 | 2% |
The price of motorcycle insurance varies based on where you live. You might pay more if you live in an area with a lot of inclement weather that's hazardous for riding, or in an area with high rates of vehicle theft.
Required motorcycle insurance coverage in Pennsylvania
Anyone who drives a motorcycle or car in Pennsylvania must have at least 15/30/5 of liability insurance.
- Bodily injury liability: $15,000 per person and $30,000 per accident
- Property damage liability: $5,000 per accident
While it's important to meet the state's minimum requirements, they're typically not high enough to cover the cost of a major accident. For that reason, you should choose higher liability limits, if you can afford them.
In addition, minimum liability insurance doesn't offer any protection for your motorcycle. You need to add collision and comprehensive insurance to your policy if you want the insurance company to pay for damage to your bike.
Pennsylvania motorcycle helmet laws
Pennsylvania requires riders and passengers under 21 years old to wear a motorcycle helmet. After you turn 21, helmets are optional for riders with two years of experience, and for anyone who has taken a certified motorcycle safety course. However, it's always a good idea to wear a helmet to protect yourself in case you're in a crash.
Frequently asked questions
How much is motorcycle insurance in PA?
Motorcycle insurance in Pennsylvania costs an average of $30 per month for a full coverage policy. That's slightly cheaper than the national average of $32 per month.
Does Pennsylvania require motorcycle insurance?
Yes, motorcycle owners in Pennsylvania must have insurance to ride legally. You need a policy with at least $15,000 of bodily injury liability coverage per person and $30,000 per accident, as well as $5,000 of property damage liability coverage.
Methodology
To find the best cheap motorcycle insurance in Pennsylvania, ValuePenguin collected 350 quotes from 50 cities 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 coverages.
- 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.
