Oregon Motorcycle Insurance: How to Stay Legal and Get It Cheap

Oregonians pay higher ($809) than the national average for motorcycle insurance. But cheap rates are possible—here’s how.
Written by Bonnie Stinson
Reviewed by Bellina Gaskey
The average motorcycle owner in
will pay $809 per year for full-coverage motorcycle insurance in the Beaver State. This is much higher than the national average of around $519.
  • Oregonians pay more per year for motorcycle coverage than the average national rate.
  • High-risk drivers or drivers with special coverage needs should shop around with different providers. 
  • Nationwide usually offers much cheaper motorcycle insurance in Oregon than average at about $483 a year. 

How to find cheap motorcycle insurance quotes in Oregon

Shopping around is the only way to
find cheap insurance rates
in Oregon for a car or motorcycle. Get quotes from at least 3-5 different companies to make sure you don’t overpay for coverage.

Average cost of motorcycle insurance in Oregon

The average cost of motorcycle insurance in Oregon is $809 per year, or $67 per month. Nationally, motorcycle insurance costs an average of $519 per year.

Cheapest companies for full coverage Oregon motorcycle insurance 

Have more fun on the road with more cash in your pocket. Here are four companies that offer the cheapest rates on motorcycle insurance in Oregon. 
These are the rates for
full coverage
, which includes
, and
Average annual rate for full coverage
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Insurance premiums are highly personal. Your rate may be very different from the average rate. Your zip code, age, bike model, and
driving history
have a major impact on your premium.  

Are motorcycles cheaper to insure than cars?

Yup! It is generally
cheaper to insure a motorcycle
than a car. 
In Oregon, the
average cost of car insurance
is $2,045 for minimum coverage or $2,212 for full coverage. That’s more than twice the cost of full-coverage motorcycle insurance.

Oregon motorcycle insurance coverage requirements

Almost every state has a minimum legal standard for motorcycle insurance. All drivers must carry at least this amount of coverage, whether they operate a sport bike, moped, or custom motorcycle:
Oregon is one of just a few states that require UM coverage. This will kick in to cover your medical expenses if you get into an accident with another driver who does not have coverage.

What should a basic motorcycle insurance policy cover?

Basic coverage is exactly what it sounds like. It’s the bare minimum amount of insurance you must legally carry to be allowed on the road with a motorcycle. The bare minimum may be cheap, but it does not offer you enough protection in the event of an accident.
A good motorcycle policy should include full coverage, which covers damage to you and your bike from a variety of causes like accidents, vandalism, and theft.
On top of that, you may need insurance for unique custom parts. If you rely on your bike for daily transportation, you might want to look into rental reimbursement, too.
Here are a few insurance options you should consider:
Don’t be tempted by the low cost of the bare minimum. If you get into an accident, the repair costs alone could reach thousands of dollars. 
When you add on medical bills and liability, it’s clear that more coverage is the way to go.

The best companies for Oregon motorcycle insurance

If you’re unclear where to begin, here are four snapshots of companies that sell motorcycle insurance in Oregon. 
We’ll explain their coverage options, average price, and ratings so you can find the perfect company for your needs. 

1. Best for most people: Nationwide 

The good: Lowest rates in Oregon, tons of safety discounts
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 91/100
If you want to save money and get insurance with a nationally recognized company, check out Nationwide. For an average cost of $483 per year (the lowest we found), you and your bike can be covered with a variety of options.
You can get custom equipment protection and
OEM coverage
with Nationwide.
If you already have Nationwide car or home insurance—or if you’re willing to switch—you could unlock even more discounts for
bundling your policies

2. Best for the most coverage options: Progressive

The good: Overall low rates, superior financial stability 
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 85/100
You’ll pay an average of $672 per year for motorcycle insurance with Progressive. It’s more costly than Nationwide but still cheaper than the state average.
Progressive has several on coverage options. You can get enhanced injury protection, carried contents coverage, and roadside assistance. If you have a new motorcycle, you may want to purchase their replacement cost coverage.
There are plenty of discounts on offer from Progressive, too—and they have great customer service ratings.

3. Best for high-risk daily riders: Dairyland

The good: Open to most drivers, regardless of driving history
The bad: High rates
AM Best rating: A+
BBB rating: A+ 
Jerry’s rating: 84/100
Dairyland has fewer coverage options than the other companies on this list, and rates are high (like $1,790 per year). Customer service ratings are worse for Dairyland than for any other company on this list.
However, Dairyland may be the best choice for people with violations on their record. If you use your motorcycle daily—and you’ve got a ticket or two—then check out Dairyland’s rates.
You can get replacement cost coverage for a new bike with Dairyland. You can also get road trip interruption coverage.
If you need coverage and you’re struggling to find it, Dairyland might be a good fit.

4. Best for safe riders: GEICO

The good: Discounts for safe driving, easy policy management
AM Best rating: A++
BBB rating: A+
Jerry’s rating: 90/100
With an average annual cost of $663 for full coverage motorcycle insurance, GEICO offers service from a well-known, top-rated company plus the second-cheapest rate in the state.
If you already have GEICO insurance for your home, rental, or car, then it’s a no-brainer to switch to GEICO for motorcycle insurance. It’s easy to add another vehicle, and you’ll probably unlock a sweet discount for bundling.
GEICO has excellent financial security ratings and good customer service ratings. You’ll find it easy to adjust your coverage and manage your policy.
is my new best friend. It was a smooth transaction, and I got the insurance I need to finally purchase my new motorcycle!” —JP C.


In order to rate motorcycle insurance companies in Oregon, we collected public data and rated each company on four factors: (1) average cost of insurance (50% of our rating), (2) customer satisfaction as measured by the Better Business Bureau (BBB) and NAIC index (25%), (3) coverage options (20%), and (4) financial stability as measured by AM Best (5%). 
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