Motorcycle Insurance in Ohio: The Cheapest Quotes and Best Companies

The Cheapest Motorcycle Insurance in Ohio

In most cases, the cheapest motorcycle indemnity in Ohio only provides state-mandated liability-only coverage and may not be the best choice for all riders. Ohio ‘s minimum coverage policy may entirely include liability coverage, which does not cover your motorcycle or any injuries caused to you if you were at defect for the accident. A liability-only policy costs less because it merely includes injuries and damage to place or early people involved in the accident. It may be better to opt for comprehensive examination and collision coverage, which provides more protection and greater coverage. To compare the rates for this report, MoneyGeek used the profile of a low-risk passenger with a clean tug record and a 50/100/25 liability-only policy.

Cheapest Liability-Only Motorcycle Insurance Quotes in Ohio

The be motorbike indemnity companies in Ohio were found to offer the lowest average rates on median for liability-only coverage for a rider with a good ride record :

  • Markel: $70 per year
  • Progressive: $75 per year

Nationwide, on the early handwriting, offers the state ‘s most expensive liability-only motorbike policy policy. The average rate for a alike policy at Nationwide is $ 220, which is 68.2 % higher than the rate quoted by Markel .

Average Annual Premium for Liability Coverage

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  • party annual premium
  • 1. Markel $ 70
  • 2. progressive $ 75
  • 3. GEICO $ 99
  • 4. Dairyland $ 110
  • 5. Harley-Davidson $ 117
  • 6. countrywide $ 220

Cheapest Full Coverage Motorcycle Insurance Quotes in Ohio

A full coverage policy, which includes comprehensive and collision coverage, offers better protection for most riders. The policy covers costs incurred by collision-related damages, careless of whether the collision occurs with a vehicle or a structure. This indemnity besides covers vandalism, larceny, natural disasters and fire. If you ‘re inactive paying for your motorcycle, a full coverage policy is preferable to a liability-only policy, which entirely offers limited coverage. MoneyGeek ranked the following two companies in Ohio as the cheap after reviewing the visibility of a good rider with 50/100/25 coverage and a $ 500 deductible for a fully coverage policy :

  • GEICO: $141 per year
  • Dairyland: $174 per year

Nationwide, the most expensive for a entire coverage policy quoted an average annual cost of $ 699, which is 79.8 % higher than GEICO ‘s quote .

Average Annual Premium for Comprehensive and Collision

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  • company annual premium
  • 1. GEICO $ 141
  • 2. Dairyland $ 174
  • 3. Harley-Davidson $ 214
  • 4. progressive $ 254
  • 5. Markel $ 407
  • 6. countrywide $ 699

Insurance Rates

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What Is the Average Motorcycle Insurance Cost in Ohio ?

Motorcycle policy rates in Ohio are affected by several factors, including coverage rates, motorbike type, riding record, age and years of riding experience. MoneyGeek compared motorcycle policy rates from diverse policy providers to calculate the average cost of motorbike insurance in Ohio for wax coverage and liability-only plans. A full-coverage policy in Ohio will cost you an average of $ 315 per class or around $ 26 a month. This means the price is 13.46 % lower than the national annual average of $ 364. A liability-only motorcycle indemnity policy in Ohio will cost about $ 115 per year or $ 10 per calendar month. This rate is $ 26 less than the national annual average for liability-only policy, which is $ 141. however, keep in thinker that a liability-only policy will not cover damages caused to your motorcycle or any bodily injuries sustained in an accident. Prices for Ohio were determined using a motorbike insurance policy with bodily wound liability coverage of $ 50,000/ $ 100,000 and property damage coverage of $ 25,000 .

Car Insurance Costs by Coverage Type

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  • policy character average 12-Month cost in Ohio average 12-Month National cost variance
  • Full Coverage




  • Liability Only




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The Best Motorcycle Insurance Companies in Ohio

MoneyGeek studied motorcycle insurance companies in Ohio to find the best insurers with low-cost rates and high-quality military service. MoneyGeek ‘s unique marking organization rated the companies based on motorbike policy quotes for Ohio, product offerings and choices, customer serve, affordability and fiscal stability. With a mark of 94.18 out of a possible 100, Progressive was rated the best motorcycle insurance company in Ohio.



score :


4.8/5 Affordability 4.7/5 User Satisfaction 4.5/5 fiscal stabilityGeek Quick Take eccentric Quick Take Pros

  • Strong affordability rating by MoneyGeek
  • Offers a mobile app
  • Discounted deductible for every claim-free year


  • Below-average rating as per recent J.D. Power Auto Claim Satisfaction Study
  • Discounts are not the same for all states
  • Restrictions are applicable in some policies

More About Progressive With strong scores across multiple categories and a MoneyGeek score of 94.18 out of 100 points, Progressive was rated the best insurance company in Ohio. While a full coverage policy from the insurance company costs an average of $ 254 per year, a liability-only policy costs around $ 75 per year. Progressive has a count of excellent coverage options that can be added to your motorcycle policy policy. progressive motorcycle insurance plans automatically cover customs and original equipment manufacturer ( OEM ) parts, depending on what your motorcycle has in it. The party besides provides a wax successor cost for your motorcycle that does not take into account the depreciation value of the parts. That is, they will help you restore your bicycle to its pre-accident condition or better. Progressive will not raise the prices if you have been a customer for at least four years and have been accident-free for at least three years. 2


grudge :


4.6/5 Affordability 5/5 User Satisfaction 4.5/5 fiscal stability eccentric Quick Take Pros

  • Rewards experienced riders and prompt payers
  • Rated high for product and service offerings
  • Offers special discounts for retired and active military and law enforcement employees


  • Doesn’t offer a mobile app
  • Accident forgiveness coverage will be active only a year after the policy start date
  • Some coverages are expensive

More About Harley-Davidson Harley-Davidson scored 93.66 out of a entire of 100 points to be rated as the second-best motorcycle insurance company in Ohio. Liability-only motorcycle policy coverage from Harley-Davidson costs an average of $ 117 a year in Ohio. A full coverage policy will cost you roughly $ 97 more at an average cost of $ 214 per year. Having a Harley-Davidson motorbike indemnity policy entitles you to impressive discounts and coverage. For exemplify, the company offers optional equipment coverage, which covers the tools used during the bicycle modification phase. It besides covers OEM parts if your bicycle has actual Harley-Davidson parts. In addition, the company provides alone discounts to both new and experience riders. If you are a penis of the Harley Owner ‘s Group, you can receive respective benefits and discounts. furthermore, if you are in an accident and your motorcycle is rendered undrivable, the party provides coverage through its lease reimbursement program, which pays for your exile expenses. 3


seduce :


4.7/5 Affordability 4.7/5 User Satisfaction 4.5/5 fiscal stability geek Quick Take Pros

  • Covers dirt bikes and mopeds
  • Offers a mobile app
  • 24/7 claims support


  • No insurance bundling available
  • Cannot file a claim online
  • Pricey for full coverage policies

More About Dairyland Dairyland was rated the third-best motorbike insurance supplier in Ohio after it scored 93.13 points out of a total of 100. The company ’ s liability-only motorbike policy policy costs an average of $ 110 per class in Ohio. A full-coverage policy, on the other hand, costs an modal of $ 174 per year. Dairyland, unlike most other policy providers, covers all motorbike models, including scandal bikes, regardless of the bicycle ‘s mannequin or manufacturer. When you insure several motorcycles with Dairyland, the company will discount your rates. Dairyland besides makes you eligible for a multi-policy rebate if you own the base where your motorcycle is parked. Dairyland ‘s trip interruption motorcycle coverage will come in handy for those planning a stumble longer than 100 miles. If the motorcycle breaks toss off or is involved in an accident, the caller will cover the costs of food, accommodation, towing and thus on. Customers who have been with Dairyland for more than a class and want to upgrade their bicycle can benefit from its loyalty deduction.

How to Get a Motorcycle Insurance Quote in Ohio

You can obtain a motorcycle indemnity quote on-line in Ohio by plainly providing the following details or more :

  • Zip code and address in Ohio where the bike will be located
  • Previous address if you moved in the past six months
  • Your date of birth
  • Vehicle make, model and manufacturing year
  • Your riding record
  • Your riding experience level

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How Much Motorcycle Insurance Coverage Do You Need in Ohio ?

All bikers in Ohio are required by jurisprudence to insure their motorcycles with at least liability-only coverage. The following are the country ‘s minimal coverage requirements in Ohio :

  • $25,000 per-person bodily injury liability (BI)
  • $50,000 per-accident bodily injury liability
  • $25,000 property damage liability (PD)

How Much Insurance Coverage Is Required in Ohio ?

In Ohio, all motorcycles must have a minimum liability-only coverage of 25/50/25. This means that the motorcycle insurance policy will provide up to $ 50,000 in coverage for all parties involved in an accident, with a $ 25,000 limit for one person and a $ 25,000 limit for place damage. Your insurance company will cover these claims if you were the cause of the accident.

Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Ohio ?

Riders in Ohio are not required to have uninsured motorist, underinsured motorist, or personal wound auspices ( PIP ) coverage as separate of their motorbike insurance. They only need bodily injury liability and place price coverage. But for far protection, you can include one or more of these coverages to your existing policy as add-ons. MONEYGEEK EXPERT TIP In Ohio, the increase in cost for better coverage is significantly little. MoneyGeek suggests that most riders consider a full coverage policy of 50/100/25 coverage at least and preferably a 100/300/100 coverage. Ohio ‘s state of matter law does n’t require Uninsured Motorist Coverage ( UM ) and Personal injury coverage ( PIP ). But we recommend that you add sufficient UM coverage to match your policy policy ’ mho coverage and minimum PIP coverage, as per your affordability.

Frequently Asked Questions About Motorcycle Insurance in Ohio

respective factors come into play while looking for motorbike policy in Ohio. We ‘ve answered some of your normally asked questions, such as which company offers the cheap indemnity and how much does motorcycle insurance cost in Ohio .

With a $ 70 annual average rate on a liability-only motorbike policy policy, Markel has the lowest annual modal rate in Ohio. GEICO ‘s quote of $ 141 a year is the lowest for a broad coverage policy .

At a minimum, every rider in Ohio should have a basic liability-only policy, which costs an average of $ 115 per class or around $ 9 per month .

MoneyGeek ’ s alone denounce arrangement rated Progressive as the best motorbike indemnity provider in Ohio .

Yes, Ohio ’ mho department of state law mandates all motorbike riders to insure their bicycle .

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MoneyGeek collected indemnity quotes for motorcycles directly from insurers based on different levels of coverage and driver profiles. This will help you find out which insurance company is the cheapest in Ohio. The best motorcycle insurance companies in Ohio have been assessed using three criteria, including the price of the policy in Ohio ( 60 % weight ), products and service offerings ( 30 % slant ), and fiscal stability metrics from AM Best ( 10 % weight ). To provide you with the most accurate and up-to-date information, MoneyGeek used the most holocene license laws and insurance policy requirements from State DMVs. About the generator

expert-profileexpert-profile Mark Fitzpatrick is a aged content director with MoneyGeek specializing in policy. Mark has years of experience analyzing the insurance market and creating master inquiry and message. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a overcome of Arts .

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