Who Has The Cheapest Motorcycle Insurance In West Virginia?
Dairyland is the cheapest motorcycle insurance company in West Virginia, at $18 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in West Virginia
Best cheap motorcycle insurance in West Virginia
How we chose the top companies
Cheapest motorcycle insurance in West Virginia
The cheapest motorcycle insurance company in West Virginia is Dairyland, at $18 per month for full coverage.
That's around half the West Virginia state average and $4 per month cheaper than the second-cheapest company, Harley-Davidson.
Cheapest insurance companies
Compare Motorcycle Insurance Quotes in West Virginia
The average cost of motorcycle insurance in West Virginia is $33 per month for full coverage. That's $1 per month more than the national average of $32.
Cheap full coverage motorcycle insurance quotes in West Virginia
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | 4.0 out of 5 | $18 | |
| Harley-Davidson | 3.5 out of 5 | $22 | |
| Progressive | 4.0 out of 5 | $23 | |
| Geico | 3.0 out of 5 | $24 | |
| Allstate | 3.0 out of 5 | $27 | |
| Nationwide | 1.5 out of 5 | $81 | |
Best motorcycle insurance for most people: Progressive
Best for motorcycle commuters: Harley-Davidson
Best for low rates: Dairyland
West Virginia motorcycle insurance cost by city
Morgantown, Wayne and Williamson have West Virginia's most expensive motorcycle rate among larger cities, at $36 per month for full coverage.
The city with the cheapest rate is Shepherdstown. Full coverage motorcycle insurance there costs an average of $29 per month.
Cities with better-maintained roads and lower crime rates tend to have cheaper motorcycle insurance rates, while narrow streets can lead to higher rates.
Full coverage motorcycle insurance rates by West Virginia city
City | Monthly cost | % from average |
|---|---|---|
| Beckley | $32 | -1% |
| Bluefield | $32 | -1% |
| Charleston | $35 | 7% |
| Charles Town | $31 | -4% |
| Clarksburg | $33 | 1% |
West Virginia motorcycle insurance laws
Motorcyclists in West Virginia need to have motorcycle insurance in order to ride legally. Riders need a minimum amount of liability insurance, sometimes written as 25/50/25, and matching amounts of uninsured motorist coverage.
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Uninsured motorist property damage: $25,000 per accident
Although you only need to have the minimum limits, most riders should get more coverage if they can afford it. That's because the required liability coverage doesn't protect your bike. If you can't afford to fix or replace your motorcycle after an accident, you should consider adding collision and comprehensive coverage.
Methodology
ValuePenguin collected motorcycle insurance quotes across 36 of the largest cities in West Virginia from six major motorcycle insurance companies that operate in the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, including higher liability limits than the state requirement and comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision 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.
