According to the Pennsylvania Department of Transportation (DoT), there were nearly 836,000 licensed motorcyclists recorded in the state last year. Riding motorcycles is a popular activity in Pennsylvania, and many residents use their bikes to explore the state’s lush, green countryside and sprawling mountains. Like many states, Pennsylvia law requires all motorcycle owners to have insurance coverage on their bikes before they can legally drive on the roads.
The 4 best motorcycle insurance companies in Pennsylvania
Because of the high number of licensed motorcyclists in Pennsylvania, the insurance market is very competitive. There are several major Pennsylvania motorcycle insurance companies, but when shopping for insurance, how can you ensure you’re getting the best motorcycle insurance coverage for your budget and lifestyle? To simplify your search, we identified the top motorcycle insurance companies in Pennsylvania: Nationwide, Dairyland, Allstate and Geico.
To evaluate these providers, we compared average cost, coverage options, available discounts and customer service ratings for each company. You might be wondering how much is motorcycle insurance in Pennsylvania. To find out, we calculated the average minimum monthly premium, based on a sample profile for a 26-year-old single female living in Philadelphia, Pennsylvania, who has been riding motorcycles for about four years.
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Best for high coverage limits: Nationwide
Nationwide is a great motorcycle insurance provider for riders that have luxury bikes, or bikes with custom parts. Customers can get coverage for their motorcycle up to $50,000 and custom bike parts up to $30,000. Nationwide offers standard coverage with its most basic plan, which includes liability, collision, comprehensive, underinsured and uninsured driver coverage and personal injury protection. For riders with customized bikes, they can extend their coverage by purchasing add-ons that include custom equipment, OEM endorsement and roadside assistance.
If you’re looking for a high coverage limit with a mangeable deductible, Nationwide might be the motorcycle insurance provider for you (if you’re a good driver). It’s popular Vanishing Deductible® program gives safe drivers $100 off their deductible for each year of safe driving, up to $500. Additionally, Nationwide customers are eligible for certain discounts, such as having motorcycle safety features, bundling their policies, paying their premium in full, completing an approved motorcycle safety course and more.
Best for high-risk riders: Dairyland Insurance
If you’re dealing with a messy driving record, Dairyland Insurance is a great insurance provider. The company specializes in non-standard motorcycle insurance, and offers free, same-day SR-22 coverage, which a driver might need to reinstate or keep their driving privileges after certain traffic-related incidents, such as a DUI. With a basic motorcycle insurance plan from Dairyland, expect to receive the standard collision, comprehensive and injury coverage, as well as replacement costs, rental reimbursement, roadside assistance and special equipment coverage.
Dairyland owns the motorcycle insurance market for high-risk drivers, so their monthly premiums are going to be much higher than others on our list. However, if you’re looking to save money, the company offers discounts for customers that insure multiple bikes, are a member of a motorcycle group, bundle their auto policies, pass an approved motorcycle safety course and more.
Best for new and young riders: Progressive
Progressive is a popular provider for many types of insurance, and it’s the top motorcycle insurance company in the United States. Progressive insurance is a great option for newly licensed motorcycle drivers or teen drivers because of its extensive coverage options and discounts that reward teen drivers and good students. Progressive also offers accident forgiveness, which means that in the event of a collision, your rate won’t increase if you have a claim of $500 or less. Progressive’s standard insurance packages are more robust than other providers, and include bodily injury, property damage, comprehensive, collision, underinsured and uninsured drivers and medical payments, as well as full replacement cost and no depreciation, custom parts and OEM coverage in all insurance plans.
With Progressive’s Snapshot® program, motorcycle drivers can save money on their monthly premium based on how safely they drive. Additionally, Progressive offers customer discounts for getting a quote in advance, bundling policies, belonging to a motorcycle club, taking an approved motorcycle safety course, paying your premium in full, setting up autopayments and more.
Best for affordable monthly premiums: Geico
Geico, one of the top insurance providers in the United States, is highly regarded for its exceptional customer service and low monthly premiums. Geico motorcycle insurance covers most types of motorcycles, including sport bikes, cruisers, touring bikes, scooters, dirt bikes and more. The company’s basic motorcycle insurance plan includes typical coverage, including bodily injury, collision, comprehensive, personal injury, property damage, accessories, and uninsured and underinsured driver coverage. Although Geico might not always be the cheapest insurance provider, it allows customers to customize their motorcycle insurance policy to fit specific needs, and create a personalized payment plan that works for their budget.
For customers looking for the best discounts, Geico offers a variety of options, including savings for transferring existing insurance to Geico, insuring more than one bike, renewing with Geico after the first year or completing an approved motorcycle safety training course.
Pennsylvania cities with the cheapest motorcycle insurance
The cost of motorcycle insurance tends to be linked with the amount of motorcycle riders in a certain area. Because there are over 836,000 licensed motorcyclists in Pennsylvania, the average cost of motorcycle insurance is lower than it would be in a state with fewer motorcyclists. However, insurance premiums do vary based on the city you live in, the age of the driver, your driving record and the type of bike you own.
To compare the average monthly motorcycle insurance premiums in different Pennsylvania cities, we looked at rates for a 40 year old male, who is married, owns a home and has been riding motorcycles for about five years. In the state Capitol of Harrisburg, Pennsylvania, his average monthly premium for minimum coverage would be around $27, and $212 for enhanced coverage. In Villanova, Pennsylvania, a smaller town of under 10,000 people, his average monthly premium for minimum coverage would be around $23, and $180 for enhanced coverage.
Minimum motorcycle insurance required in Pennsylvania
In Pennsylvania, licensed motorcyclists are required to have insurance on their bike. The state requires riders to have a minimum of $15,000 for bodily injury, $30,000 for each accident and $5,000 property damage. Pennsylvania requires less coverage than most states, so riders might consider getting additional coverage to ensure they are protected in the event of an accident.
Pennsylvania motorcycle laws
Whether you’re a new or experienced motorcyclist, it’s important to know the motorcycle laws in your state.
- Licensure: All motorcyclists in Pennsylvania must have a Class M license to ride a motorcycle. In order to get a Class M license, you must already have a regular driver’s license, and are required to take a motorcycle safety class, a written test and driving test.
- Registration: All motorcycles in Pennsylvania must be registered with the state, and have a valid and visible registration sticker on the license plate.
- Insurance: All motorcyclists in Pennsylvania are required to have minimum 15/30/5 insurance coverage.
- Helmets: In Pennsylvania, riders under age 18 must wear a DoT-approved helmet. Helmets are not required for motorcyclists over age 21, who have had a class M license for at least two years, or who have completed a motorcycle safety course.
- Lane splitting: Lane splitting—weaving in and out of traffic lanes around other vehicles—is illegal in the state of Pennsylvania.