Washington Motorcycle Insurance: Money and Legalities

The average driver spends $733 per year on motorcycle insurance in Washington. If you want to pay less, here’s how.
Written by Bonnie Stinson
Reviewed by Bellina Gaskey
The average cost of
motorcycle insurance
in Washington State is $733 per year, which is above the national average of around $519.
  • Washingtonians usually pay more than the national average for motorcycle insurance.
  • The cheapest insurer for most Washington bikers is Dairyland. Try Progressive or Allstate if you need extra (or special) coverage.
  • Ask for discounts or consider bundling to save even more money.

How to find cheap motorcycle insurance quotes in Washington

Get quotes from multiple companies so you can compare prices and find the cheapest motorcycle insurance in Washington. Contact three to five companies to ask about their rates (and discounts). 

Average cost of motorcycle insurance in Washington

In Washington, motorcycle insurance costs an average of $733 per year, or $61 per month.  That’s definitely higher than the national average.
While the riding season in Washington is shorter than in sunnier states, this is offset by the high price of repairs in this state to even out the cost of insurance.

Cheapest companies for full coverage Washington motorcycle insurance 

Whether you’re in Everett or Yakima, we can help you find affordable coverage for your motorcycle. Here are the four cheapest companies for motorcycle coverage in Washington. 
These quotes are for full-coverage insurance, which includes
, and
Average annual rate for full coverage
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You might pay more or less than the average cost. Your zip code, your driving record, your age, and the model of bike you ride will affect your rate.

Are motorcycles cheaper to insure than cars?

In general, it’s
cheaper to insure a motorcycle
than a car. This is also the case in Washington.
In the Evergreen State, the
average cost of car insurance
is $2,077 for minimum coverage or $2,611 for full coverage. That’s between two and three times more expensive than motorcycle insurance in Washington.

Washington motorcycle insurance coverage requirements

To keep everyone safe, Washington requires all drivers to carry a minimum level of coverage. Here are the legal minimum coverage levels for motorcycle drivers in Washington:

What should a basic motorcycle insurance policy cover?

Only want enough coverage to get you legally on the road? The coverage mentioned just now will do the trick.
However, we must caution you against the bare minimum. This level of coverage is not enough to protect you, your bike, or your bank account in the event of a big accident. 
Instead, consider opting for a full-coverage policy with increased liability limits. This coverage can pay for repair costs if your bike is damaged due to a variety of causes, such as accidents, vandalism, and theft.
Here’s what you should consider including in your motorcycle insurance policy: 
Your bare-minimum liability policy will only pay for the damage you cause to someone else’s stuff. You could be facing tens of thousands of dollars in repair costs and medical expenses if you only have the state minimums. 

The best companies for Washington motorcycle insurance

Need a policy? We’ve simplified the research process for you. Here are four of the best motorcycle insurance companies in Washington, with options that can work for all kinds of riders. 

1. Cheapest for most people: Dairyland 

The good:
Balance of affordability and coverage
AM Best rating:
BBB rating:
Jerry’s rating:
You can get the industry standard coverage—plus a lot more—with Dairyland. This company also offers the cheapest rate in Washington.
You can also buy special equipment coverage, OEM coverage, and roadside assistance from Dairyland. Unlock extra discounts and you’ll save even more money. 

2. Best for robust coverage options: Progressive

The good:
Excellent financial stability and coverage options 
AM Best rating:
BBB rating:
Jerry’s rating:
If you need a unique configuration of coverage, Progressive can help you achieve peak protection. Your standard Progressive policy automatically includes replacement cost coverage and $3,000 of repairs for custom items, accessories, and equipment.
You can get the strong coverage you want for your motorcycle with Progressive. Add an endorsement for total loss coverage, or opt into roadside assistance and trip interruption coverage. Protect your accessories and cargo with carried contents coverage.
We especially love Progressive’s disappearing deductible offer and enhanced injury protection. Although this company’s rates are the highest on this list, you simply can’t beat their extensive coverage options.

3. Best for new owners: GEICO

The good:
Tons of coverage options
AM Best rating:
BBB rating:
Jerry’s rating:
GEICO’s average rate for full-coverage motorcycle insurance is $706, which is below the national and state averages. 
GEICO offers standard coverages perfect for a new rider who needs some time to get accustomed to life on a bike. You can add accessories coverage and roadside assistance once you need them.
Best of all, GEICO makes things easy for new motorcycle owners. The app and website are clear and easy to navigate. You never have to guess at your premium. 
Plus, you could easily save by bundling or taking an approved safety course. 

4. Best for specialty coverage options: Allstate

The good:
Solid coverage for high-risk riders, good add-ons
AM Best rating:
BBB rating:
Jerry’s rating:
Allstate has a rock-solid rating for financial stability, meaning you can trust them to pay out on their claims. This company also offers discounts for bundling that can earn you a nice discount. Plus, you’ll pay about $716 per year if you’re like the average driver. 
Get the standard coverages from Allstate, like collision, comprehensive, liability, and uninsured motorist coverage. Then, add special coverages to fit your needs, such as transport trailer coverage, rental reimbursement, and gap coverage. 
You get $1,000 of coverage for custom parts automatically but you can purchase up to $30,000 of total protection for specialty parts.
Allstate offers new motorcycle extended protection and a unique rider protection package. Ask the agent about which options work best for you—and remember to ask about discounts.
was pretty amazing. They found me quotes with every company at the cheapest price possible! Then I decided which company and coverage I preferred. As a new, young driver, I had a great experience!.” —Sean E.


In order to rate motorcycle insurance companies in Washington, 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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