The Best and Cheapest Motorcycle Insurance in New York

We collected hundreds of motorcycle policy quotes across the department of state of New York and found that Geico offers the lowest price for their motorcycle indemnity, specially for people who live in New York City. Geico offers their motorbike indemnity for $ 488 annually, making it the cheapest option in New York .
The average cost of motorbike policy in is $ 705 per year, or $ 59 per calendar month .

Compare Motorcycle Insurance Quotes in New York

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Motorcycle insurance is n’t just a legal prerequisite — for riders who have a draw invested in their bikes, it besides offers security from accidental damage both on and off the road. We took a close look at New York ‘s best motorbike indemnity options and how much they cost .

Best for most people: Nationwide

NationwideGet a Quote Nationwide is the best insurance company for riders in New York ascribable to its big balance of affordability, coverage and overhaul. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” chief ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/nationwide-4 ”, ” description ” : ” Nationwide is the best insurance company for riders in New York due to its great balance of affordability, coverage and service. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.nationwide.com\/ & carrier=Nationwide ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” mention ” : ” Nationwide ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : fake, ” hideTitle ” : on-key, ” title ” : ” Nationwide ” }
Our top choice for motorcycle policy for motorcyclists in New York country is Nationwide. It offered a very competitive rate across New York, with an average price of $ 530 per year. That ‘s 25 % less than the average we found across all insurers in the express .
We were besides impressed with Nationwide ‘s customer avail ratings and coverage options. It had a low complaint exponent of 0.88 from the National Association of Insurance Commissioners ( NAIC ), meaning that it received about 88 % of the complaints of a distinctive insurance company its size. And it offers a nice array of coverage options and discounts, such as a “ disappear ” deductible : For each year you go claim-free, your deductible goes gloomy by $ 100 .
As a major national insurance company, Nationwide offers a broad range of insurance products, including home, car and life indemnity. You may be able to reduce your rate evening more by bundling your indemnity policies .

Best for lowest rates: Geico

GeicoGet a Quote Geico is the best bang-for-your-buck policy company due to its abject prices and electric potential savings by bundling. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” chief ”, ” buttonIcon ” : ” lock in ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/geico-5 ”, ” description ” : ” Geico is the best bang-for-your-buck insurance party due to its gloomy prices and potential savings by bundling. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/www.geico.com\/ ”, ” name ” : ” Geico ”, ” hideBanner ” : false, ” hideDescription ” : assumed, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” style ” : ” Geico ” }
Motorcyclists focused on getting the lowest monetary value for motorbike policy should start with Geico. With an annual price of $ 488 per year for motorbike policy, Geico was 31 % cheaper than the typical motorbike insurance company in New York. It was besides $ 41 per year cheaper than Nationwide, our overall top nibble .
Because of how expensive motorbike insurance is in NYC, Geico is a good option for New York City residents, in particular. We found that motorcycle policy costs in NYC are 96 % higher than across New York state. With a citywide median of $ 2,089, Geico offers savings of $ 745 when compared to the typical NYC price .
however, Geico ‘s coverage options and discounts available are n’t adenine plentiful as other competing insurers. For example, it does n’t offer a discount rate for being in a motorbike affinity group or offer an OEM parts coverage option .
On the summation side, Geico has a wide kind of different insurance products, so you can bundle your motorbike, car and home insurance policies together if you want. Doing indeed does get you a dismiss, and it simplifies the process of managing your indemnity policies .

Best coverage options: Progressive

ProgressiveGet a Quote progressive offers the broadest range of extra coverages in New York, making it the best option for riders who want maximal security. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/progressive-2 ”, ” description ” : ” Progressive offers the broadest range of extra coverages in New York, making it the best choice for riders who want maximum protection. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.progressive.com\/auto\/ & carrier=Progressive ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” identify ” : ” Progressive ”, ” hideBanner ” : false, ” hideDescription ” : assumed, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” entitle ” : ” Progressive ” }
For motorcycle owners who want the best coverage options but still want a good price, we recommend progressive policy. For exemplify, Progressive includes full replacement cost coverage for some motorcycles — which will return a motorcycle to pre-accident condition. And you mechanically get $ 3,000 of coverage for accessories and add-ons, with that ability to purchase up to $ 30,000 in coverage .
Its rates were not american samoa low-cost as our clear picks but however slightly cheaper than average — the distinctive price we found from Progressvie was $ 621 per year, or $ 84 cheaper than the average, overall .
Progressive besides has better-than-average ailment numbers, with an NAIC charge index evaluation of 0.89. That means the company receives 11 % fewer complaints than would be expected for a company its size .

The best-reviewed motorcycle insurance companies in New York

When considering motorbike policy companies, a gloomy price should n’t be your only consideration — customer service and fiscal constancy topic, besides. With that in heed, we collected the NAIC Complaint Index and AM Best fiscal military capability rate of five of the top New York motorbike insurers. The NAIC Complaint Index measures how frequently a ship’s company is the subject of a complaint to the NAIC ; the AM Best evaluation judges how sound a party ‘s fiscal foot is .

Insurer

NAIC Complaint Index

AM Best FSR

Allstate 0.63 A+
Dairyland Insurance 2.69 A+
Geico 0.79 A++
Nationwide 0.88 A+
Progressive 0.89 A+
USAA 0.98 A++

note that the NAIC combines automobile and motorcycle insurance into a single industry category ; as such, these charge indexes are based on each company ‘s combine premium dollars for motorcycles and cars .

The cheapest motorcycle insurance companies in New York

We collected hundreds of motorbike policy quotes across dozens of cities in New York to determine which motorcycle insurance company offers the lowest rates. Geico offered the most low-cost rates, with a distinctive price of $ 488 per year .
Column chart comparing the average costs of the most affordable motorcycle insurance companies in New York

Compare Motorcycle Insurance Quotes in New York

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Insurer

Annual cost

Difference from statewide average

Geico $488 -30.8%
Nationwide $530 -24.8%
Progressive $621 -11.9%
Allstate $661 -6.3%
Dairyland $1,224 73.7%

New York motorcycle insurance requirements

All motorcycle riders in the state of New York are required to have liability indemnity. Unlike with automobiles, motorcycle indemnity policies are not required to include personal wound protective covering ( PIP ) or uninsured/underinsured motorist coverage. Below, we ‘ve included a breakdown of New York ‘s motorbike indemnity requirements .

Coverage type

Minimum limit

Bodily Injury Liability $25,000 per person / $50,000 per accident
Death Liability $50,000 per person / $100,000 per accident
Property Damage Liability $10,000

Motorcycle insurance costs: City-by-city breakdown

To help New York motorcyclists get an accurate understanding of how much motorbike insurance costs, we calculated the average monetary value of insurance in 49 cities and neighborhoods across the submit. For each space, we ‘ve included the average cost, arsenic well as how it compares to the statewide average cost .

City

Annual cost

Difference from state average

Albany $688 -2.4%
Amityville $958 35.9%
Amsterdam $527 -25.3%
Auburn $523 -25.7%
Binghamton $613 -12.9%

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Methodology

We collected 250 motorcycle indemnity quotes from five major motorcycle insurance companies that operate in New York state. Our sample rider was a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we included are :

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: Included/$500 deductible
  • Comprehensive coverage: Included/$500 deductible
  • All other coverages: Not included

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