Who Has the Cheapest Motorcycle Insurance In Virginia?
Progressive has the cheapest motorcycle insurance in Virginia, with an average of $18 per month.
Find Cheap Motorcycle Insurance Quotes in Virginia
Best cheap Virginia motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance in VA
Progressive is the cheapest motorcycle insurance company in Virginia.
Full coverage motorcycle insurance from Progressive costs an average of $18 per month. That's 42% cheaper than the state average.
Compare Motorcycle Insurance Quotes in Virginia
The average cost of motorcycle insurance in Virginia is $31 per month, which is a little less than the national average.
Cheapest motorcycle insurance quotes in VA
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $18 | |
| Geico | $27 | |
| Allstate | $29 | |
| Dairyland | $33 | |
| Harley-Davidson | $37 | |
| Nationwide | $39 | |
Best motorcycle insurance for most people: Progressive
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Editor's rating
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Cost: $18/month
Overview
Pros/Cons
Progressive has an unmatched variety of coverage options, affordable rates and minimal customer complaints.
Progressive is the most affordable car insurance in Virginia, and is the best option for most riders.
The average price for motorcycle insurance from Progressive is $18 per month. That's 42% less than the average rate in Virginia and $9 less than the second-cheapest option, Geico.
You may be able to lower Progressive's already-low rates by taking advantage of its many discounts.
For example, you can get a discount for bundling your car insurance with Progressive, or being a member of certain groups, like H.O.G.
In addition, Progressive's full coverage policy comes with protection that most companies charge extra for, including:
- $3,000 of custom parts and accessories coverage, which pays for damage to after-market parts like a custom saddle or CB radio.
- Replacement cost for parts, which covers the cost to restore your motorcycle to its original condition, regardless of any wear and tear before your accident.
- Original manufacturer parts (OEM) coverage, which guarantees Progressive will fix your bike using parts from its original manufacturer, as opposed to cheaper after-market parts.
Progressive also offers a wide range of coverage add-ons. For example, you can get up to two years of total loss coverage. That means if your bike is totaled in a crash, Progressive will pay for a brand-new model.
Progressive gets half as many complaints as an average company its size. This indicates that customers are typically happy with its service.
The main downside of Progressive is that it doesn't offer rental reimbursement, which pays for a rental car while your bike is in the shop after an accident.
If you're worried about getting around if your motorcycle is damaged, consider choosing Allstate instead. However, because of how inexpensive Progressive is, it may be worth paying for a rental out of pocket.
Best for daily riders: Allstate
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Editor's rating
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Cost: $29/month
Overview
Pros/Cons
Allstate offers helpful coverage add-ons if your motorcycle is your main way to get around.
Allstate is worth considering if you regularly use your motorcycle to commute or run errands. That's because you can pair roadside assistance and rental reimbursement, which can help keep your life on track if something happens to your bike.
- Roadside assistance provides 24/7 towing and service for battery issues, a flat tire or mechanical problems. You can also get fuel, oil, fluid or water delivered.
- Rental reimbursement pays for up to 30 days of a rental vehicle while your bike is in the shop after an accident.
Allstate also offers other helpful coverage add-ons. For example, you can add trailer coverage, which pays to repair your bike and its trailer if they're damaged while being towed behind another vehicle.
Allstate's prices are about average for Virginia riders, at $29 per month for full coverage. However, that's $9 per month more than the cheapest company, Progressive.
Allstate also has average customer service. While Allstate will probably take good care of you after a crash, it likely won't get your motorcycle fixed as quickly as a company with better service scores, like Progressive or Geico.
Best for members of the military: USAA
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Editor's rating
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Cost: $17/month
Overview
Pros/Cons
Riders with military ties can get great coverage at a very affordable price through USAA.
Virginia residents with military ties should consider buying a policy through USAA.
USAA doesn't actually sell motorcycle insurance directly. Instead, it partners with Progressive, which offers USAA members a 5% discount off the standard rate.
Progressive is an excellent option for motorcycle insurance.
It's already the cheapest company in Virginia before the USAA discount. And, when you buy a policy with comprehensive and collision coverage from Progressive, you get extra coverage that most companies charge an additional fee for.
Only USAA members can get this discount. That means it's limited to military members, veterans and some of their family members. However, people who don't qualify can still buy motorcycle insurance through Progressive.
Motorcycle insurance cost in Virginia by city
Norfolk has the most expensive motorcycle insurance among large cities and towns in Virginia.
Riders in Norfolk, a waterfront city in southeastern Virginia, pay an average of $48 per month for full coverage.
A number of cities and towns have the cheapest motorcycle insurance in Virginia, including Harrisonburg, Winchester, and Staunton. People living in these towns pay an average of $26 per month for a full coverage policy.
Average motorcycle insurance cost in Virginia by city
City | Monthly cost | % from average |
|---|---|---|
| Alexandria | $34 | 11% |
| Arlington | $36 | 18% |
| Bedford | $28 | -8% |
| Big Stone Gap | $28 | -8% |
| Bristol | $26 | -14% |
The cost of motorcycle insurance in Virginia can vary by up to $22 per month among Virginia's largest cities and towns. That's because riders who live in a city with poorly maintained roads or high theft rates are more likely to make a claim — especially given how easy motorcycles are to steal.
Virginia motorcycle insurance requirements
All motorcycle owners in Virginia must have an insurance policy with a minimum amount of liability coverage, which is sometimes written as 50/100/25.
In the past, motorcyclists in Virginia could pay an "uninsured motor vehicle fee" instead of buying an insurance policy. However, this is no longer an option as of July 1, 2024.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
Virginia riders should consider getting more liability insurance than the state requires, along with extra coverage options.
For example, medical payment coverage will help pay your own medical bills if you're hurt in an accident, even if it's your fault. Comprehensive and collision coverages pay to repair or replace your bike after an accident, vandalism or theft, regardless of whose fault it is.
Frequently asked questions
How much is motorcycle insurance in Virginia?
The average cost of motorcycle insurance is $31 per month in Virginia. That's slightly less expensive than the national average, which is $32 per month.
Do you need motorcycle insurance in Virginia?
Yes, Virginia requires motorcycle riders to have a minimum of $50,000 of bodily injury liability coverage per person and $100,000 per accident, along with $25,000 of property damage liability.
Who has the best motorcycle insurance in Virginia?
Progressive has the best motorcycle insurance for most riders in Virginia. Its full coverage policy costs $18 per month, which is 42% cheaper than average. Progressive also has lots of useful coverage options and very few customer complaints.
Methodology
To find the best cheap motorcycle insurance in Virginia, ValuePenguin collected more than 250 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
All quotes are for a full coverage policy, which includes higher liability limits than required in Virginia, along with comprehensive and collision coverage.
Quote coverage limits
- 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.
