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Best Motorcycle Insurance by State

Compare motorcycle insurance costs across states. Rankings are based on our model’s state-level data. No insurer rankings.

Quick Answer

Motorcycle insurance costs and requirements vary by state. This page ranks states by average (base) premium so you can see where rates tend to be lower. 'Best' for your situation depends on coverage needs, bike type, and rider profile. Use state pages for scenarios.

What This List Means

"Best" here is educational only: we rank states by model-based average premium. We do not rank insurers. Use the state list to find lower-cost states, then explore coverage and rider scenarios on each state page.

State Ranking

States ordered by estimated annual range (low to high). Click a state for scenario estimates.

RankStateEst. annual rangeLinks
1 Hawaii $330 to $400/yr View estimates
2 Idaho $350 to $430/yr View estimates
3 Maine $350 to $430/yr View estimates
4 Iowa $360 to $440/yr View estimates
5 North Dakota $360 to $440/yr View estimates
6 Vermont $360 to $440/yr View estimates
7 Alaska $370 to $450/yr View estimates
8 Indiana $380 to $470/yr View estimates
9 New Hampshire $380 to $470/yr View estimates
10 South Dakota $380 to $470/yr View estimates
11 Alabama $390 to $480/yr View estimates
12 Montana $390 to $480/yr View estimates
13 Nebraska $390 to $480/yr View estimates
14 North Carolina $390 to $480/yr View estimates
15 Wisconsin $390 to $480/yr View estimates
16 Wyoming $390 to $480/yr View estimates
17 Kentucky $400 to $490/yr View estimates
18 Ohio $400 to $490/yr View estimates
19 Arkansas $410 to $500/yr View estimates
20 Kansas $410 to $500/yr View estimates
21 Minnesota $410 to $500/yr View estimates
22 West Virginia $410 to $500/yr View estimates
23 New Mexico $420 to $520/yr View estimates
24 Tennessee $420 to $520/yr View estimates
25 Virginia $420 to $520/yr View estimates
26 Illinois $430 to $530/yr View estimates
27 Missouri $430 to $530/yr View estimates
28 Utah $430 to $530/yr View estimates
29 Mississippi $440 to $540/yr View estimates
30 Oklahoma $440 to $540/yr View estimates
31 Pennsylvania $440 to $540/yr View estimates
32 Connecticut $450 to $550/yr View estimates
33 Oregon $450 to $550/yr View estimates
34 Washington $450 to $550/yr View estimates
35 Arizona $460 to $570/yr View estimates
36 South Carolina $460 to $570/yr View estimates
37 Delaware $470 to $580/yr View estimates
38 Massachusetts $470 to $580/yr View estimates
39 Colorado $490 to $600/yr View estimates
40 Maryland $490 to $600/yr View estimates
41 Georgia $510 to $630/yr View estimates
42 Nevada $510 to $630/yr View estimates
43 Rhode Island $510 to $630/yr View estimates
44 California $540 to $650/yr View estimates
45 Michigan $540 to $650/yr View estimates
46 Texas $540 to $650/yr View estimates
47 New Jersey $560 to $680/yr View estimates
48 Louisiana $600 to $730/yr View estimates
49 Florida $640 to $780/yr View estimates
50 New York $700 to $860/yr View estimates

State Pages

Jump to state hubs for scenario estimates: Hawaii, Idaho, Maine, Iowa, North Dakota, Vermont, Alaska, Indiana, New Hampshire, South Dakota, Alabama, Montana, Nebraska, North Carolina, Wisconsin, Wyoming, Kentucky, Ohio.

All Motorcycle Insurance state pages · How we calculate · Sources

Frequently asked questions

Are these quotes?

No. These are educational estimates from state-level data. Get real quotes from insurers.

Why do costs vary by state?

Regulation, risk, and claims experience differ by state. We use published data so you can compare.

How do I use this list?

Use the state links to see scenario-based estimates (age, coverage, etc.) for that state. Then get quotes from multiple insurers.