Cheapest and Best Motorcycle Insurance in Washington 2024

It can be tough to find the best motorcycle insurance in Washington. But don’t worry; you’re exactly where you need to be to handle this. In our experience, the top provider offers a great mix of comprehensive coverage and excellent customer service.

After 15 years in the insurance sector, I understand the dangers of skimping on motorcycle insurance. It’s not only about legal compliance; it’s about protecting your investment.

Our guide is crafted from years of knowledge to help you avoid pitfalls and select the most dependable and cost-effective options for your motorcycle.

Cheapest Motorcycle Insurance In Washington For Minimum Liability Coverage

We discovered that the lowest minimum coverage rates in Washington are provided by USAA (Progressive) at $8 per month.

The phrase “cheapest minimum coverage for motorcycle insurance in Washington” refers to the most economical insurance options that meet the state’s legal requirements for motorcycle riders. These typically cover basic liability for injuries and damages caused by the rider in an accident.

Insurance rates in this category are heavily impacted by driving history. Riders with clean records typically benefit from lower premiums, seen as lower risk by insurers. Conversely, those with a history of accidents or violations usually face higher rates, as insurers consider them more prone to future incidents.

If you have an accident, it can significantly impact your insurance rate as it indicates a higher likelihood of the insurance company facing expensive claims. This evaluation of risk directly determines the cost of minimum coverage insurance in Washington.

Cheapest Motorcycle Insurance In Washington For Full Coverage

After conducting detailed research, we found that Harley Davidson (Sentry) provides the cheapest full coverage motorcycle insurance in Washington, with a monthly premium of $18.

The category “cheapest full coverage for motorcycle insurance in Washington” refers to the most budget-friendly choices for insurance policies that exceed the state’s minimum liability standards. Full coverage usually comprises comprehensive and collision insurance, providing broad protection against various events like accidents, theft, vandalism, and natural disasters.

In this category, insurance rates are significantly impacted by a rider’s driving history. Maintaining a clean record often results in lower premiums as insurers view these riders as less risky.

Similarly, a record of accidents or traffic violations often leads to higher rates since insurers perceive these riders as posing a higher risk. In particular, involvement in an accident can notably increase your rate as it heightens the insurer’s expectation of future claims.

Average Cost Of Motorcycle Insurance In Washington

The mean monthly premium for full coverage motorcycle insurance in Washington is $24.

Average Cost Of Motorcycle Insurance In Washington – By City

Your place of residence in Washington will affect your motorcycle insurance premiums. Riders in large cities usually incur higher rates compared to those in rural areas due to the higher number of accidents in urban zip codes.

These are the ten Washington cities with the lowest motorcycle insurance rates:

Do You Need Motorcycle Insurance In Washington?

In Washington, having motorcycle insurance is mandatory by law. The state insists that all motorcyclists carry at least the minimum coverage to legally operate their vehicles on public roads, ensuring financial responsibility for any injuries or damages caused in an accident.

In Washington, the minimum insurance coverage includes liability insurance, which covers bodily injury and property damage you may cause to others in an accident. The law requires at least $25,000 for injury/death to one person, $50,000 for injury/death to multiple people, and $10,000 for property damage. This basic coverage does not protect the rider’s own injuries or damages to their motorcycle.

Riders seeking more comprehensive protection often consider adding coverages like collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage pays for accident-related motorcycle damages, while comprehensive covers non-collision incidents such as theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is particularly necessary in Washington due to the number of underinsured drivers.

Though the law requires minimum insurance, it’s prudent for riders to assess their needs considering their motorcycle’s value, riding frequency, and financial situation. Not carrying the required insurance can result in penalties such as fines, suspension of your license, and impoundment of your motorcycle.

How To Get A Motorcycle Insurance Quote

Obtaining a motorcycle insurance quote is a direct process involving a few key steps:

Gather Your Personal Information: Prior to beginning, have your personal information at hand, including your full name, address, date of birth, and driver’s license number. Additionally, gather details about any other riders who may use the motorcycle.

Collect Your Motorcycle’s Details: Before starting, gather detailed 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 on hand, as they can impact the quote you receive.

Determine Your Insurance Needs: Consider the type of coverage you need, including deciding on liability limits and whether you want additional coverage such as comprehensive, collision, or uninsured motorist coverage.

Research Insurance Providers: Research insurance providers that specialize in motorcycle coverage, examining their reputation, customer service ratings, and financial reliability.

Get Quotes: Obtain quotes online, by phone, or in person. Provide your gathered information to the insurance provider. Using online forms is a fast and easy way to get multiple quotes. (Insuranceopedia offers multiple quotes to simplify your selection process.)

Compare Quotes: Once you have multiple quotes, evaluate them by considering price, coverage options, deductibles, and any exclusions or limitations. Ensure you’re comparing similar coverages across all the quotes.

Ask About Discounts: Inquire with the insurance company about any discounts you may qualify for, including those for safe driving, multiple policies, or motorcycle safety courses.

Review Quotes and Select a Policy: Review all the information and decide on the policy that strikes the best balance between price and coverage for your needs.

Provide Additional Information and Make Your Purchase: Once you’ve chosen a provider, you might need to give extra information or documentation. Review the policy details, make your first payment, and get your proof of insurance.

Bear in mind, the cheapest quote may not be the ideal choice. Look at the value of the coverage you’re getting for the price.