The Best Cheap Motorcycle Insurance in Washington
Dairyland has the best cheap motorcycle insurance in Washington, at $16 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Washington
Best cheap motorcycle insurance in Washington state
How we chose the top companies
Cheapest motorcycle insurance in Washington
Dairyland is the cheapest motorcycle insurance company in Washington state.
Full coverage motorcycle insurance from Dairyland costs an average of $16 per month in Washington. That's 43% less than the statewide average.
Compare Motorcycle Insurance Quotes in Washington
The average cost of motorcycle insurance in Washington is $28 per month, which is 13% less than the national average cost of $32 per month.
Cheapest WA state motorcycle insurance
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $16 | |
| Harley-Davidson | $20 | |
| Progressive | $25 | |
| Allstate | $26 | |
| Nationwide | $41 | |
| Geico | $42 | |
Best motorcycle insurance in Washington state for most people: Dairyland
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Editor's rating
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Cost: $16/month
Overview
Pros/cons
Dairyland offers the cheapest rates in Washington, along with helpful coverage add-ons for daily riders.
Dairyland has the best motorcycle insurance for most people in Washington. It has a variety of helpful coverage options and minimal customer complaints.
The average price for motorcycle insurance with Dairyland is $16 per month in Washington. That's the best price statewide and 43% cheaper than the state's average rate.
Dairyland is a good choice if your motorcycle is your main way to get around because you can add rental reimbursement and roadside assistance.
- Roadside assistance pays to fix or replace a flat tire or dead battery, jump-start or tow your bike, or resupply you with fuel, oil, fluid or water.
- Rental reimbursement pays for a rental car while your motorcycle is in the repair shop after a crash, regardless of whose fault it is.
These coverages can help keep your life on track if something happens to your bike.
Riders in Washington are typically happy with Dairyland's customer service.
It gets 31% fewer customer complaints than an average company its size. That means you can count on Dairyland to get your life back to normal quickly after an accident.
However, Dairyland doesn't offer as many ways to customize your protection as other companies. For example, you can't get trailer coverage, which pays to repair damage to your motorcycle and its trailer while you're towing it behind another vehicle.
Dairyland also offers fewer discounts than most other companies. You can save money if you switch to Dairyland from another company, own a home or insure multiple motorcycles. However, it doesn't offer discounts for paying your bill up front, making automatic payments or installing an alarm system on your motorcycle, which you can find at many other companies.
In addition, Dairyland doesn't sell home or renters insurance. So you'll miss out on a discount for bundling those policies with your motorcycle insurance, too.
Best for discounts: Harley-Davidson
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Editor's rating
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Cost: $20/month
Overview
Pros/cons
Harley-Davidson offers lots of discounts, plus many ways to customize your policy with extra coverage.
Harley-Davidson is the second-cheapest insurance company in Washington, at $20 per month. That's about $8 per month less than the average cost in the state.
In addition, Harley-Davidson offers 13 potential discounts, many of which are easy to get.
You can save on your motorcycle insurance if you:
- Have a valid motorcycle license or endorsement
- Are an experienced rider
- Own your home
- Install an anti-theft system on your bike
- Ride a brand-new motorcycle
- Are a member of Harley Owners Group (H.O.G.)
- Complete an H-D Riding Academy course
- Insure more than one motorcycle with Harley-Davidson
- Are an active or retired military member or law enforcement officer
- Buy another product from Harley-Davidson Insurance, like planned maintenance coverage
Once you've been a Harley-Davidson customer for a year, you can also save if you're accident-free and have made all of your payments on time.
Harley-Davidson also offers lots of ways to personalize your protection with coverage add-ons. For example, you can add rental reimbursement, roadside assistance and trip interruption.
One key drawback of Harley-Davidson is that it doesn't offer other kinds of insurance, such as insurance for your car, house or apartment.
This means that you'll miss out on a bundle discount. You'll also have to manage your motorcycle policy separately from other policies.
In addition, Harley-Davidson gets nearly twice as many customer complaints as an average insurance company its size. Most complaints are about the company's lengthy claims process, which means Harley-Davidson will likely take longer to fix your bike after a crash.
Best motorcycle insurance for bundling: Progressive
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Editor's rating
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Cost: $25/month
Overview
Pros/cons
Progressive offers many ways to bundle your insurance, along with excellent motorcycle coverage.
Progressive is the best choice if you want to bundle all of your insurance policies with one company. It sells many different types of insurance, including auto, home, renters, boat, RV, life, pet and business insurance.
Although Progressive is slightly cheaper than average, it costs $9 per month more than the cheapest company, Dairyland.
Fortunately, Progressive offers lots of discounts to help lower your motorcycle insurance bill.
Aside from bundling policies, you can also save by having a valid motorcycle license, paying your bill up front or signing up for automatic payments, and switching from another insurance company.
Progressive also includes extra protection when you get a policy with collision and comprehensive coverage, including:
- Replacement cost coverage, which pays to fix your motorcycle to its original condition, even if it had wear and tear before your accident.
- $3,000 of protection for custom equipment and accessories, including saddlebags, handlebars or a CB radio.
- Original equipment manufacturer (OEM) coverage, which guarantees Progressive will use parts from the original manufacturer to fix your motorcycle, as opposed to cheaper aftermarket parts.
Most companies charge extra for these coverages. So it may be worth spending a little extra to get a policy from Progressive if you want these protections.
If you need additional coverage, you can add several other types of protection with Progressive, like roadside assistance and trip interruption.
However, Progressive doesn't offer rental reimbursement, which pays for a rental car after an accident. If you worry about affording this expense after a crash, consider Dairyland or Harley-Davidson instead.
Progressive gets about two-thirds as many complaints as an average company its size. So you can count on Progressive to fix your motorcycle quickly after a wreck.
Motorcycle insurance in WA: Costs by city
Seattle and Tacoma are some of the most expensive cities in Washington for motorcycle insurance.
Motorcycle insurance in Seattle and Tacoma costs an average of $32 per month for full coverage. People living in the Tacoma suburbs of Bonney Lake and Puyallup also pay $32 per month, on average.
Spokane, Yakima, Kennewick and a handful of other cities and towns share the cheapest rates in Washington among other major cities. Riders in these areas pay an average of $26 per month for insurance.
Average motorcycle insurance cost in WA by city
City | Monthly cost | % from average |
|---|---|---|
| Bainbridge Island | $28 | -2% |
| Battle Ground | $30 | 4% |
| Bellevue | $30 | 7% |
| Bellingham | $29 | 1% |
| Bonney Lake | $32 | 12% |
The cost of motorcycle insurance changes based on where you live. You might pay more if you live in an area with lots of traffic, high rates of motorcycle theft or poorly maintained roads that cause a lot of accidents.
Do you need motorcycle insurance in Washington?
Washington requires owners of all vehicles, including motorcycles, to have insurance with at least 25/50/10 of liability coverage.
Washington state motorcycle insurance requirements
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
Although these limits are enough to ride legally, they may not be high enough to cover the cost of a serious accident.
In addition, minimum liability coverage doesn't provide any protection for your motorcycle. If you drive a new or expensive bike, you should consider adding collision and comprehensive coverage. These coverages pay for many types of damage to your motorcycle, regardless of whose fault it is. And, if you have a loan or lease on your bike, your lender typically requires you to have collision and comprehensive coverage.
Other WA state motorcycle insurance laws
Washington requires its motorcyclists to have an endorsement on their regular driving license if their bike can go faster than 30 miles per hour or if their engine is larger than 50cc. You must have a three-wheel endorsement if your bike has a stabilizing conversion kit or a sidecar, or if it's a trike.
To get a two-wheel motorcycle endorsement, you must complete a motorcycle safety course and a riding and skills test at a state-approved training school. You can also take the tests separately, as long as you provide evidence of completion to a licensing office within 180 days. You have to be at least 16 to apply for an endorsement.
Helmet laws in Washington
You must wear a motorcycle helmet while driving or riding a motorcycle on roads in Washington. Helmets must be approved by the state's Department of Transportation to be legal on any public roads. Washington also requires that its motorcycle riders wear eye protection, such as goggles or a face shield, unless their bike has a windshield.
Frequently asked questions
Do you have to have motorcycle insurance in Washington state?
Yes, you must have liability insurance in the state of Washington. The minimum requirements are $25,000 of bodily injury liability coverage per person and $50,000 per accident, and $10,000 of property damage liability per accident.
How much is motorcycle insurance in Washington state?
In Washington, the average cost of full coverage motorcycle insurance is $28 per month. However, many companies offer cheaper quotes, including Dairyland, Harley-Davidson and Progressive.
Methodology
To find the best cheap motorcycle insurance in Washington, ValuePenguin collected over 200 quotes from 34 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 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.
