Best And Cheapest Motorcycle Insurance in Ohio November, 2024
If cost is your main concern, Harley-Davidson (Sentry Insurance) is the best choice, providing coverage at just $18 per month.
It can be tough to choose the right motorcycle insurance in Ohio, but don’t worry; you’re in the right place to figure it out. From our perspective, the top insurance provider offers an ideal mix of thorough coverage and excellent customer support.
With over 15 years in the insurance field, I’ve seen how neglecting a quality motorcycle insurance policy can have negative consequences. It’s about more than just following the law; it’s about protecting your investment.
With our guide, you can avoid common mistakes and find the best, most cost-effective insurance choices for your bike, backed by years of expertise.
Best Motorcycle Insurance In Ohio 2024
Compare The Best Motorcycle Insurance Companies In Ohio
Overall Rating | Cheapest For | AM Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
---|---|---|---|---|---|---|
Harley-Davidson |
|
Overall |
A+ |
Not Rated |
9/10 |
Instant Quote |
GEICO |
|
Bundling Insurance |
A++ |
830 |
9/10 |
Instant Quote |
USAA |
|
Military Members |
A+ |
809 |
7/10 |
Instant Quote |
Allstate |
|
Customer Service |
A++ |
816 |
8/10 |
Instant Quote |
Best Motorcycle Insurance Companies in Ohio
Best Overall
Key Statistics
Why We Like Them
⇅Harley Davidson is the top choice for motorcycle insurance in Ohio, offering strong policies and excellent service through Sentry Insurance. This partnership offers a unique benefit.
Sentry, a renowned insurer, supports Harley Davidson’s policies, offering policyholders reliability and a strong financial base. Their A+ rating from AM Best confirms Sentry’s capability to effectively honor their commitments.
Harley Davidson’s insurance offerings, supported by Sentry’s expertise, are crafted for the varied demands of Ohio’s riding landscape. These policies provide extensive coverage and focus on customer service, making them a smart choice for motorcyclists.
The tailored insurance plans from Harley Davidson, combined with Sentry’s proven performance, position it as the best option for motorcycle insurance in the state.
Benefits & Drawbacks
⇅- Customized coverage options designed for motorcyclists
- Backed by Sentry Insurance, renowned for its financial stability and dependability
- Offers numerous discounts and rewards for safe riders and H.O.G. members ✓
- Some riders might not prefer third-party insurer coverage
- Coverage may be more beneficial for Harley Davidson owners than for other brands
- Limited availability in specific areas ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅GEICO offers a great option for bundling insurance in Ohio, particularly when it comes to motorcycle coverage. Their competitive rates across various types of insurance make them a top pick for Ohio residents looking to consolidate their policies.
GEICO stands out due to its seamless integration of multiple insurance policies, such as motorcycle, auto, and home, under one package. This simplifies policy management and often leads to significant cost savings for policyholders.
Not only is GEICO cost-effective, but it also offers a user-friendly experience. Their digital platforms, including a comprehensive website and a highly-rated mobile app, simplify policy management. Additionally, GEICO’s customer service is consistently praised for its prompt and efficient support.
Ohio motorcyclists enjoy easy access to policy details and smooth claims processing. GEICO’s affordability, convenience, and excellent customer service make it an optimal choice for bundling insurance in Ohio.
Benefits & Drawbacks
⇅- Competitive pricing with a range of discounts available. . . . . .
- Easy policy management through user-friendly online tools and a mobile app
- Efficient claims processing and a strong reputation for customer service ✓
- Coverage options may be less specialized for motorcycles compared to providers focused solely on motorcycle insurance
- Some customers report inconsistencies in customer service experiences
- Policy customization options may be fewer compared to niche motorcycle insurance providers ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅USAA ranks as the premier motorcycle insurance option for military members, offering specialized services and a trusted partnership. Recognizing the distinct needs of the military community, USAA has chosen Progressive, an A+ (Superior) rated company, to handle coverage and claims. This strategic collaboration merges Progressive’s motorcycle insurance expertise with USAA’s dedication to military members and their families.
USAA’s partnership with Progressive means members receive specialized motorcycle insurance with financial strength and industry expertise. Additionally, J.D. Powers’ highest customer service rating for USAA demonstrates its commitment to excellence and customer satisfaction.
Military personnel reap the benefits of this alliance with streamlined service, fast claims handling, and policies that understand the intricacies of military life. The collaboration between USAA and Progressive ensures military riders receive a reliable, all-encompassing insurance solution designed for their needs.
Benefits & Drawbacks
⇅- Tailored discounts and services for military members and their families
- Progressive handles coverage and claims, known for its motorcycle insurance expertise
- USAA has a high customer service rating, ensuring a responsive and supportive experience ✓
- Membership with USAA is restricted to military members, veterans, and their families, limiting access for the general public
- Some policyholders may prefer direct dealings with a single insurer rather than a partnership arrangement
- Coverage options and benefits could be more generic, as they are part of a larger, non-specialized portfolio ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅In Ohio, Allstate stands out as a leading option for motorcycle insurance, thanks to its outstanding customer service. Allstate’s personalized approach guarantees that each policyholder receives tailored and attentive care, essential for motorcyclists who have specific needs and concerns distinct from typical auto insurance clients.
With Ohio’s diverse biking community, Allstate’s local agents provide crucial on-the-ground support. These agents are well-versed in the state’s unique road laws and riding culture, offering insights beyond basic insurance needs. Furthermore, Allstate’s robust online and mobile platforms offer convenient 24/7 access to policy management and claims, complementing their personal touch.
Allstate stands out in Ohio for motorcycle insurance due to its knowledgeable local agents, efficient digital tools, and unwavering commitment to customer satisfaction.
Benefits & Drawbacks
⇅- Extensive coverage options and customizable policies to suit individual needs
- Access to local agents providing personalized service and understanding of regional insurance requirements
- Offers discounts for safe riding and multiple policies ✓
- Premiums can be higher than those from other insurers
- Discounts and policy options vary greatly depending on individual circumstances
- Policy options may be more suitable for casual riders than for professional or competitive riders. ✘
Cheapest Minimum Liability Motorcycle Insurance Companies In Ohio
Based on our findings, USAA (via Progressive) provides the lowest rates for minimum coverage in Ohio, costing only $6 per month.
“Cheapest minimum coverage for motorcycle insurance in Ohio” denotes the most cost-effective insurance policies that fulfill the state’s legal requirements for motorcycle riders. Typically, these policies offer basic liability coverage, which pays for bodily injury and property damage caused to others in an accident by the rider.
Driving history is a key factor that significantly impacts insurance rates in this category. Riders with a spotless driving record usually get lower premiums because insurers consider them lower risk. Conversely, individuals with a history of accidents or traffic violations tend to have higher rates, as insurers view them as more likely to cause future incidents.
Having an accident can greatly increase your rate, as it signals a higher risk of costly claims for the insurance company. This risk evaluation directly impacts the cost of minimum coverage insurance in Ohio.
Insurance Provider | Minimum Coverage Annual Cost |
Progressive | $78 |
Geico | $100 |
Allstate | $115 |
Dairyland | $126 |
Cheapest Full Coverage Motorcycle Insurance In Ohio
After thorough research, we found that Harley-Davidson (Sentry) provides the cheapest full coverage motorcycle insurance in Ohio, costing $18 per month.
“Cheapest full coverage for motorcycle insurance in Ohio” describes the most affordable policies that provide more than the minimum liability coverage required by the state. Full coverage generally comprises comprehensive and collision insurance, covering a wide range of incidents, including accidents, theft, vandalism, and natural disasters.
A rider’s driving history plays a major role in determining insurance rates in this category. Generally, a clean record leads to lower premiums because insurers consider these riders less risky.
Conversely, a record of accidents or traffic infractions often leads to higher rates since insurers perceive these riders as higher risk. Specifically, being in an accident can significantly hike your rate due to the increased likelihood of future claims, from the insurer’s viewpoint.
Company | Average Monthly Rate for Full Coverage |
Harley-Davidson | $18 |
Geico | $25 |
Progressive | $31 |
Allstate | $38 |
Nationwide | $47 |
Average Cost Of Motorcycle Insurance In Ohio
On average, Ohio residents pay around $27 monthly for full coverage motorcycle insurance.
Company | Average Monthly Rate for Full Coverage |
Harley-Davidson | $18 |
Geico | $25 |
Progressive | $31 |
Allstate | $38 |
Nationwide | $47 |
Average Cost Of Motorcycle Insurance In Ohio – By City
The city you live in affects your motorcycle insurance rates in Ohio. Riders in major metro areas will generally pay more than those in rural regions because of the higher accident rates in urban zip codes.
These ten cities have the lowest motorcycle insurance rates in Ohio:
Rank | City | Average Monthly Rate |
---|---|---|
1 | Dayton | $55 |
2 | Akron | $58 |
3 | Toledo | $60 |
4 | Youngstown | $62 |
5 | Canton | $65 |
6 | Cincinnati | $67 |
7 | Columbus | $70 |
8 | Cleveland | $72 |
9 | Dayton | $75 |
10 | Springfield | $78 |
Do You Need Motorcycle Insurance In Ohio?
Motorcycle insurance in Ohio is not only essential but also a legal obligation. The state requires all riders to have a minimum level of insurance coverage to legally operate their bikes on public streets. This law ensures that there is financial responsibility for damages or injuries if an accident occurs.
Ohio’s minimum insurance coverage mandates liability insurance, covering bodily injury and property damage inflicted on others in an accident. The law stipulates at least $25,000 for injury or death to one person, $50,000 for injury or death to multiple individuals, and $25,000 for property damage. This basic coverage, though, does not include the rider’s injuries or damage to their motorcycle.
Riders seeking broader protection frequently opt for extra coverages like collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage handles damages to your motorcycle from accidents, and comprehensive coverage deals with incidents like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is especially important in Ohio, where many drivers and riders may not carry sufficient insurance.
While minimum insurance requirements are mandated by law, it’s prudent for riders to consider their individual needs, including the value of their motorcycle, riding frequency, and financial situation. Failing to have the necessary insurance can result in fines, license suspension, and potentially having your motorcycle impounded.
How To Get A Motorcycle Insurance Quote
Getting a quote for motorcycle insurance is an easy process that consists of a few steps:
Gather Your Personal Information: Ensure you have your personal information on hand before starting. This includes your full name, address, date of birth, and driver’s license number, along with details about any other riders who may use the motorcycle.
Collect Your Motorcycle’s Details: Gather specific information about your motorcycle, such as its make, model, year, engine size, and vehicle identification number (VIN). If there are any modifications or special safety features, have those details available since they can affect your quote.
Determine Your Insurance Needs: Determine the type of coverage you need by deciding on liability limits and considering if you want additional coverage such as comprehensive, collision, or uninsured motorist insurance.
Research Insurance Providers: Find insurance companies offering motorcycle insurance. Assess their reputation, customer service feedback, and financial stability.
Get Quotes: You can ask for quotes for motorcycle insurance through online platforms, phone calls, or face-to-face meetings. Provide the details you’ve gathered to the insurance company. Using online forms is a quick and convenient way to receive multiple quotes at once. (Using services like Insuranceopedia can help by providing several quotes, simplifying your selection process.)
Compare Quotes: When you have several quotes, evaluate them not just by price but also by coverage options, deductibles, and any exclusions or limitations. Make sure you’re comparing similar coverages across different quotes.
Ask About Discounts: Find out if you qualify for any discounts, including those for safe driving, having multiple policies, or taking motorcycle safety courses.
Review Quotes and Select a Policy: Look over all the details and pick the policy that gives you the best balance of cost and coverage.
Provide Additional Information and Make Your Purchase: Once you’ve picked a provider, you may need to provide more information or documentation. Go over the policy details, make the initial payment, and you’ll get your proof of insurance.
Once you’ve picked a provider, you may need to provide more details or paperwork. Check the policy details, make your initial payment, and receive your proof of insurance.
Our Methodology
My evaluation of the top motorcycle insurance in Ohio was based on impartial data from AM Best for financial health and J.D. Powers for customer satisfaction. I also looked at consumer reviews and used my background as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
How much is motorcycle insurance in Ohio?
The typical monthly expense for full coverage motorcycle insurance in Ohio is $27.
Who is the cheapest motorcycle insurance company in Ohio?
In Ohio, the cheapest motorcycle insurance is available through Harley Davidson, costing $18 per month. Sentry Insurance Company handles the coverage and customer service.
Do you need motorcycle insurance in Ohio?
Motorcycle insurance is legally required for anyone riding a motorcycle in Ohio.
Sources
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