Best And Cheapest Motorcycle Insurance in Maryland 2024
Harley-Davidson (Sentry Insurance) is the best option for those who prioritize affordability, with a very low monthly premium of $23.
Getting the right motorcycle insurance in Maryland can be tricky. But rest assured, you’re where you need to be to get through this. In our experience, the top insurance provider offers comprehensive coverage and excellent customer service.
Having 15 years of experience in insurance, I’ve seen how insufficient motorcycle insurance can backfire. It’s not only about complying with the law; it’s about protecting your investment.
Our guide uses years of expertise to help you avoid common pitfalls and find the most reliable and economical choices for your motorcycle.
Best Motorcycle Insurance In Maryland 2024
Compare The Best Motorcycle Insurance Companies In Maryland
| 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 |
Our Methodology
My evaluation of the best motorcycle insurance in Maryland was based on unbiased data from AM Best for financial stability and J.D. Powers for customer satisfaction. I also took into account feedback from various consumer review platforms and my experience as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best Motorcycle Insurance Companies in Maryland
Best Overall
Key Statistics
Why We Like Them
⇅As the top choice for motorcycle insurance in Maryland, Harley Davidson excels with its strong policies and outstanding service from Sentry Insurance. This collaboration provides a unique edge.
Harley Davidson’s insurance policies are underwritten by Sentry, a well-regarded name in the insurance sector, providing reliability and financial security for policyholders. Sentry’s A+ rating from AM Best underscores their ability to meet policyholder obligations effectively.
In Maryland’s diverse and demanding riding environment, Harley Davidson’s insurance, underpinned by Sentry’s expertise, caters to the varied needs of motorcyclists. These policies provide comprehensive coverage and excellent customer service, making them a smart investment.
With Harley Davidson’s specialized insurance and Sentry’s reputable service, it becomes the top motorcycle insurance choice in the state.
Benefits & Drawbacks
⇅- Customized motorcycle coverage
- Supported by Sentry Insurance, noted for financial stability and reliability
- Offers various discounts and rewards for safe riders and H.O.G. members ✓
- Some riders may not prefer third-party insurer coverage
- Coverage particularly benefits Harley Davidson bike owners
- Not available everywhere ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅GEICO offers a great solution for bundling insurance in Maryland, particularly when it comes to motorcycle insurance. Their attractive rates across different insurance types make them a popular choice for Maryland motorcyclists seeking comprehensive coverage.
What differentiates GEICO is its seamless incorporation of motorcycle, auto, and home insurance under one umbrella. This not only streamlines policy management but also often leads to substantial savings for policyholders.
GEICO stands out for its cost-effectiveness and user-friendly services. Their digital tools, like a comprehensive website and a highly-rated mobile app, simplify policy management. Furthermore, GEICO’s customer service is consistently top-rated, ensuring prompt assistance for policyholders.
Maryland motorcyclists enjoy easy access to policy details and hassle-free claims processing with GEICO. Its affordability, convenience, and excellent customer service make it the top choice for bundling insurance in Maryland.
Benefits & Drawbacks
⇅- Offers competitive pricing and various discounts
- User-friendly online tools and a mobile app make policy management easy
- Efficient claims processing with a strong reputation for customer service ✓
- Coverage options might not be as specialized for motorcycles compared to providers focusing only on motorcycle insurance
- Some customers mention variability in customer service experiences
- Policy customization options may be limited compared to specialized motorcycle insurance providers ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅USAA is the premier choice for motorcycle insurance among military members, delivering personalized services and a reliable partnership. Recognizing the distinct requirements of the military community, USAA has partnered with Progressive, an A+ (Superior) rated company, for coverage and claims processing. This partnership combines Progressive’s excellent motorcycle insurance services with USAA’s commitment to military members and their families.
The partnership with Progressive means USAA members get specialized motorcycle insurance that is financially stable and expertly managed. Moreover, USAA’s top customer service rating from J.D. Powers showcases its commitment to excellence and customer satisfaction.
This partnership benefits military members with efficient service, rapid claims handling, and policies that cater to the complexities of military life. The synergy between USAA and Progressive provides military riders with a trustworthy and comprehensive insurance solution tailored to their unique needs.
Benefits & Drawbacks
⇅- Military members and their families receive tailored services and discounts
- Progressive, renowned for motorcycle insurance expertise, handles coverage and claims
- USAA, known for exceptional customer service, offers a responsive and supportive experience ✓
- USAA membership is exclusive to military members, veterans, and their families, excluding the general public
- Some policyholders might prefer working directly with one insurer rather than through a partnership
- Coverage options and benefits may be more generic since they are part of a broader, non-specialized insurance portfolio ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅For those seeking motorcycle insurance in Maryland, Allstate is a leading choice thanks to its excellent customer service. Known for its individualized approach, Allstate provides each motorcyclist with tailored and attentive support, catering to the unique needs that differ from typical auto insurance customers.
Maryland’s diverse biking community greatly benefits from Allstate’s local agents. These agents understand the nuances of the state’s road laws and biking culture, providing more than just insurance advice. Moreover, Allstate’s online and mobile tools offer 24/7 access to policy management and claims.
The blend of skilled local agents, effective digital tools, and a focus on customer satisfaction makes Allstate a top choice for motorcycle insurance in Maryland.
Benefits & Drawbacks
⇅- Extensive coverage options with customizable policies tailored to individual needs.
- Access to local agents who provide personalized service and understand regional insurance needs.
- Offers multiple discounts, including safe riding and multi-policy discounts. ✓
- Premiums can be higher than those of some competitors.
- Discounts and policy options vary significantly depending on individual circumstances.
- Policies may be more suited for casual riders rather than professional or competitive ones. ✘
Cheapest Motorcycle Insurance In Maryland For Minimum Liability Insurance
Based on our analysis, USAA (Progressive) has the cheapest minimum coverage rates in Maryland, costing $8 a month.
“Cheapest minimum coverage for motorcycle insurance in Maryland” refers to the least expensive policies that meet the state’s legal standards for motorcycle riders. These policies usually include basic liability coverage for bodily injury and property damage caused by the rider in an accident.
Driving history is a major factor in determining insurance rates in this category. Riders with a spotless record usually pay lower premiums, seen as low-risk by insurers. However, a history of accidents or traffic violations can increase rates, as insurers deem these riders more likely to have future incidents. If you’re in an accident, it can significantly affect your insurance rate as it indicates a higher risk of the insurance company facing expensive claims. This risk assessment directly determines the price of minimum coverage insurance in Maryland.
| Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
| Progressive | $97 |
| Geico | $122 |
| Allstate | $136 |
| Dairyland | $198 |
Cheapest Motorcycle Insurance In Maryland For Full Coverage
Based on our extensive research, Harley-Davidson (Sentry) emerged as the provider of the most inexpensive full coverage motorcycle insurance in Maryland, with a monthly fee of $23.
“Cheapest full coverage for motorcycle insurance in Maryland” refers to the most budget-friendly selections for insurance policies that exceed the state’s minimum liability standards. Full coverage typically consists of comprehensive and collision insurance, offering broad protection against incidents such as accidents, theft, vandalism, and natural disasters.
In this category, insurance rates are greatly influenced by a rider’s driving history. Riders with clean records tend to have lower premiums as insurers see them as less risky.
On the contrary, riders with a history of accidents or traffic violations often experience higher insurance premiums because insurers view them as higher risk. Being involved in an accident can substantially increase your rate as it raises concerns about future claims.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $23 |
| Geico | $26 |
| Progressive | $31 |
| Allstate | $34 |
| Nationwide | $39 |
Average Cost Of Motorcycle Insurance In Maryland
Maryland motorcyclists typically allocate $31 per month for full coverage motorcycle insurance.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $23 |
| Geico | $26 |
| Progressive | $31 |
| Allstate | $34 |
| Nationwide | $39 |
Average Cost Of Motorcycle Insurance In Maryland – By City
Where you live within Maryland will impact your motorcycle insurance rates. Riders in large metropolitan areas often pay higher premiums than those in rural areas because of the increased incidence of accidents in urban zip codes.
Here are ten cities in Maryland with the lowest rates for motorcycle insurance:
| City | Average Monthly Rate |
|---|---|
| Frederick | $65 |
| Hagerstown | $67 |
| Cumberland | $69 |
| Gaithersburg | $71 |
| Rockville | $73 |
| Bowie | $75 |
| Salisbury | $77 |
| Annapolis | $79 |
| Laurel | $81 |
| Westminster | $83 |
Do You Need Motorcycle Insurance In Maryland?
Motorcycle insurance is legally required in Maryland. The state mandates that all motorcycle riders must have at least the minimum level of insurance coverage to legally ride on public roads, ensuring financial responsibility for any damages or injuries caused in an accident.
The minimum required insurance coverage in Maryland includes liability insurance for bodily injury and property damage you may cause to others in an accident. The state mandates a minimum of $30,000 for injury/death to one person, $60,000 for injury/death to more than one person, and $15,000 for property damage. This coverage does not include the rider’s own injuries or motorcycle damage.
Riders often seek broader protection through additional coverages like collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage handles damages to your motorcycle in accidents, while comprehensive covers events such as theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is crucial in Maryland due to the prevalence of underinsured drivers.
The law sets minimum insurance requirements, but riders are wise to assess their own needs, factoring in the value of their motorcycle, riding frequency, and personal financial situation. Not having the required insurance can lead to fines, suspension of your license, and even impoundment of your motorcycle.
How To Get A Motorcycle Insurance Quote
The process for obtaining a motorcycle insurance quote is straightforward and involves a few steps:
Gather Your Personal Information: To begin, have your personal information ready. This means having your full name, address, date of birth, and driver’s license number, as well as details about any other riders who will use the motorcycle.
Collect Your Motorcycle’s Details: Before you begin, make sure you have specific information about your motorcycle, including the make, model, year, engine size, and vehicle identification number (VIN). If you’ve made any modifications or have specific safety features, ensure you have those details prepared, as they can affect your quote.
Determine Your Insurance Needs: When choosing coverage, consider liability limits and whether you want additional options such as comprehensive, collision, or uninsured motorist coverage.
Research Insurance Providers: Evaluate insurance providers offering motorcycle policies, considering their reputation, customer service track record, and financial robustness.
Get Quotes: Requesting quotes can be done online, by phone, or in person. Provide your gathered information to the insurance provider. Online forms offer a quick and convenient way to obtain multiple quotes. (Insuranceopedia can streamline your selection by offering multiple quotes.)
Compare Quotes: With multiple quotes in hand, compare them based on price, coverage options, deductibles, and any exclusions or limitations. Make sure you’re comparing similar coverages across the different quotes.
Ask About Discounts: Inquire about possible discounts you could be eligible for, like those for safe driving, holding multiple policies, or completing motorcycle safety courses.
Review Quotes and Select a Policy: Analyze all the information and choose the policy that offers the best mix of price and coverage for your needs.
Provide Additional Information and Make Your Purchase: After selecting a provider, you may need to give more information or documents. Review the policy details, make your first payment, and receive your proof of insurance.
Don’t forget that the lowest quote isn’t always the best. Assess the value of the coverage for the price you’re paying.
FAQs
How much is motorcycle insurance in Maryland?
The average cost per month for full coverage motorcycle insurance in Maryland is $31.
Who is the cheapest motorcycle insurance company in Maryland?
Harley Davidson’s motorcycle insurance, at $32 per month, is the cheapest in Maryland, provided and serviced by Sentry Insurance Company.
Do you need motorcycle insurance in Maryland?
Anyone operating a motorcycle in Maryland is mandated by law to carry insurance.
