Gather at least three to five quotes, or have a comparison shopping app do it for you. The more options you see, the more confident you can feel that you’re getting the best rate for the coverage you need.

Average cost of motorcycle insurance in Pennsylvania

In Pennsylvania, the average cost of motorcycle insurance is around $672 per year, or $56 per month. That’s significantly below the national average of $702 per year.

Averages can be misleading since they don’t account for all the personal factors that go into setting your insurance rates. Depending on your driving record, coverage needs, and location, your rate may vary significantly from the overall estimate.

Cheapest companies for full-coverage Pennsylvania motorcycle insurance

If you’re looking for the cheapest cost on a full-coverage motorcycle insurance policy, the four companies below are top choices. Here’s a look at the average annual cost of full motorcycle coverage with each:

Insurer	Average annual rate for full coverage
Progressive	$434
Nationwide	$604
Allstate	$751
GEICO	$762

Exactly what you pay will vary based on the type of motorcycle you own, the value of your bike, your driving record, your ZIP code, and other personal factors.

Are motorcycles cheaper to insure than cars?

Generally speaking,

motorcycle insurance is usually cheaper

than car insurance for several reasons. Motorcycles typically cost less to buy and repair than cars—and they’re also less likely to cause property damage in an accident.

The average

Pennsylvania car insurance cost

comes in at $2,146 per year for minimum coverage. For full coverage, that price increases to $2,433 per year.

Pennsylvania motorcycle insurance coverage requirements

Pennsylvania has minimum legal requirements for motorcycle insurance. In order to legally drive a motorcycle in the Keystone State, drivers must carry at least the following coverage:

$15,000 in

bodily injury liability

coverage per person

$30,000 in bodily injury liability coverage per accident

$5,000 in

property damage liability

coverage

$5,000 in first party benefits (also known as pedestrian PIP)

What should a basic motorcycle insurance policy cover?

Once you’ve met the requirements above, you’re legally set to hit the roads—but it’s always recommended to arm yourself with more coverage than just basic liability.

Only buying your state’s minimum insurance could leave you underinsured when it comes to the actual costs of an accident. We recommend going for full coverage motorcycle insurance if you can afford it—that is, policies with higher liability limits as well as

comprehensive

and

collision coverage

An ideal motorcycle insurance policy should cover the costs of damage to your bike from collisions, theft, and more—and that coverage will also encompass any custom parts and additional equipment.

Other coverage options you may want to consider include:

Custom parts and equipment (CPE) coverage

for modified bikes

Uninsured motorist coverage

Roadside assistance and

towing

Carried contents and personal belongings coverage

Total loss coverage

The best companies for Pennsylvania motorcycle insurance

If you’re not sure where to start looking for motorcycle insurance, we’ve got you covered with some of the best selections for each type of rider.

1. Best for high-risk riders: Dairyland

The good: Affordable rates for high-risk drivers, good add-on coverage options

The bad: More expensive than some of its competitors

AM Best rating: A+

BBB rating: A+

Jerry’s rating: 82/100

Dairyland Insurance has been providing motorcycle coverage to Pennsylvania residents for over 50 years.

With a Dairyland policy, you can customize your motorcycle insurance to include extras like uninsured/underinsured motorist coverage, guest passenger liability coverage, and more.

The company also offers a transfer discount to new customers and a safety course discount to riders willing to take an approved road safety class!

2. Best for cheap rates: Progressive

The good: Consistently low rates, tons of coverage options

The bad: Not all discounts available in every state

AM Best rating: A+

BBB rating: A+

Jerry’s rating: 84/100

From standard liability protection to specialized motorcycle coverages, Progressive has it all. Pennsylvania riders will be pleased to find this insurance provider offers consistently low rates across the state.

Owners of high-value and custom bikes have ample opportunity to customize their insurance to include carried contents coverage, accessories and custom parts (CPE) coverage,

OEM parts coverage

, and more.

3. Best for inexperienced bikers: Harley-Davidson

The good: Tons of coverage options, discounts, and perks

The bad: Higher rates, no auto insurance coverage (can’t bundle policies)

AM Best rating: A+

BBB rating: A+

Jerry’s rating:

New riders face a host of challenges—including finding the right motorcycle insurance.

Since Harley-Davidson specializes in motorcycle insurance, the company offers a huge variety of coverage selections to choose from for all types of bikes, whether it be a road hog or a sports bike.

Harley-Davidson also offers extensive discounts to customers that can help bring down their annual cost of insurance, including discounts for military members and law enforcement.

“Just for state minimum liability, I was getting quotes from $70 to over $100/month until I found
Jerry
. Now my car insurance is under $30/month, or $140 for six months. Thank you, Jerry!” —Frank S.

Methodology

In order to rate motorcycle insurance companies in Pennsylvania, 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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