The Best and Cheapest Motorcycle Insurance in New York
Progressive offers the cheapest motorcycle insurance in NY, at $18 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in New York
Best cheap NY motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance in New York
Progressive has the most affordable motorcycle insurance rates in New York.
A full coverage policy from Progressive costs around $18 per month, which is about 35% cheaper than the New York average.
Find Cheap Motorcycle Insurance Quotes in New York
The average cost of motorcycle insurance in New York is $28 per month. Riders in New York pay about 12% less for motorcycle insurance than the national average, which is $32 per month.
Cheapest motorcycle insurance companies in NY
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $18 | |
| Dairyland | $21 | |
| Geico | $22 | |
| Harley-Davidson Insurance | $24 | |
| Allstate | $29 | |
| Nationwide | $53 | |
Best for most people: Progressive
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Editor's rating
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Cost: $18/month
Progressive has the best motorcycle insurance for most riders in New York. It offers the cheapest rates in the state, charging $18 per month for full coverage insurance. That's $10 per month less than the average across NY.
Progressive's base policy has more coverage than most standard motorcycle insurance policies.
For example, Progressive includes "full replacement cost coverage" on parts. This coverage will help repair your bike with brand-new parts after an accident, regardless of its condition before the crash.
Riders are typically satisfied with the service they get from Progressive. It gets slightly fewer customer complaints than other insurance companies of a similar size, according to the National Association of Insurance Commissioners (NAIC). That means New Yorkers can count on Progressive to get them back on the road quickly after an accident.
The one downside of Progressive is that it doesn't offer rental car reimbursement. It may not be the best choice for riders who don't want to pay for a rental car after an accident.
Best for daily riders: Harley-Davidson
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Editor's rating
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Cost: $24/month
Harley-Davidson is the best choice for New Yorkers who use their motorcycle instead of a car.
That's because Harley-Davidson offers rental car reimbursement. This coverage will pay for a rental car while your bike is in the shop after an accident. Having a rental could be important if your motorcycle is your only vehicle. It also has other useful coverage options, including:
- Optional equipment
- Safety apparel like helmets or jackets
- Bike replacement cost for new bikes
- Vacation rental coverage
Harley-Davidson's rates are affordable, averaging $24 per month for a full coverage policy. That's 14% cheaper than average in New York but $6 more expensive than our top pick.
Customer service at Harley-Davidson is about average. It gets slightly fewer complaints than other similar-sized insurance companies, according to the NAIC.
However, Harley-Davidson is not a good option if you want the convenience or savings of bundling your insurance policies. Many insurance companies will reduce your rate if you buy a home or auto insurance policy with them, but Harley-Davidson only sells motorcycle insurance.
Best for veterans: USAA
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Editor's rating
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Cost: $17/month
Bikers with military ties should compare quotes from USAA.
USAA partners with Progressive to offer excellent coverage and cheap rates.
However, only military members, veterans and certain family members can buy insurance through USAA.
Progressive already offers the cheapest motorcycle insurance in New York, and USAA members get an additional 5% discount. That works out to $17 per month for full coverage, which is 39% cheaper than the New York average.
In addition, a basic policy from Progressive comes with more coverage than most standard motorcycle insurance. For instance, Progressive includes $3,000 of coverage for accessories and add-ons, with the option for riders to buy up to $30,000 in coverage.
USAA and Progressive have well-rated customer service. Riders can count on motorcycle insurance from USAA to help them get their bike fixed quickly after an accident.
Average cost of motorcycle insurance in New York by city
Riders in Gloversville have the cheapest motorcycle insurance quotes in major NY cities, averaging $21 per month for full coverage.
Long Island City, a neighborhood in Queens, has the most expensive motorcycle insurance in the state, with an average of $78 per month.
Average motorcycle insurance cost in NY by city
City | Monthly cost | % from average |
|---|---|---|
| Albany | $27 | -4% |
| Amityville | $38 | 35% |
| Amsterdam | $21 | -24% |
| Auburn | $21 | -24% |
| Binghamton | $25 | -12% |
Full coverage motorcycle insurance costs vary by up to $57 per month depending on which major city in New York you live in. Riders in large cities tend to pay more for insurance. This is likely because of more traffic and higher crime rates, which typically lead to more claims.
For example, the average motorcycle insurance cost in Long Island City, $78 per month, is more than twice as expensive as the state average.
New York motorcycle insurance requirements
All motorcycle riders in New York must have liability insurance, personal injury protection (PIP) and uninsured motorist coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000
- Personal injury protection (PIP): $50,000
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
Frequently asked questions
How much is motorcycle insurance in NY?
The average cost of motorcycle insurance in New York is $28 per month for a full coverage policy.
Do I need insurance for a motorcycle in NY?
Yes, motorcycle insurance is required for riders in New York. You will need at least $25,000 of bodily injury liability per person and $50,000 per accident, along with matching uninsured motorist limits. You will also need to get $10,000 of property damage liability and $50,000 of personal injury protection (PIP).
What company has the cheapest motorcycle insurance in NY?
Progressive has the cheapest motorcycle insurance in New York, at $18 per month for full coverage. That's about 35% cheaper than the New York state average.
Methodology
To find the cheapest motorcycle insurance in New York, ValuePenguin collected 350 motorcycle insurance quotes from six major motorcycle insurance companies across 50 of the largest cities in New York state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy. It includes comprehensive and collision coverage and higher liability limits than the state requirement.
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident
- Property damage liability coverage: $25,000 per accident
- Uninsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection (PIP): $50,000
- Collision and comprehensive deductible: $500
The ValuePenguin team has a combined total of more than 50 years of experience in the property and casualty insurance industry.
About the Author
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
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.
