Cheapest and Best Motorcycle Insurance in North Carolina November, 2024

Finding suitable motorcycle insurance in North Carolina can be tricky, but you’ve come to the right place. Based on our experience, the best provider combines extensive coverage with outstanding customer service.

Having spent more than 15 years in the insurance industry, I’ve witnessed how cutting corners on motorcycle insurance can lead to serious issues. It’s not only a legal requirement but also essential for safeguarding your investment.

Our guide leverages years of experience to help you steer clear of pitfalls and find the most reliable and affordable options for your motorcycle.

Cheapest Motorcycle Insurance In North Carolina For Minimum Liability Coverage

Our research shows that USAA (through Progressive) offers the most affordable minimum coverage rates in North Carolina, with a monthly cost of just $6.

The “cheapest minimum coverage for motorcycle insurance in North Carolina” category refers to the most affordable policies that comply with the state’s minimum legal requirements for motorcyclists. These policies generally include basic liability coverage, which covers expenses for bodily injury and property damage that the rider may cause to others in an accident.

Factors like driving history play a major role in determining insurance rates in this category. Riders with a clean driving record generally enjoy lower premiums, as insurers see them as less risky. On the other hand, those with a history of accidents or traffic violations often face higher rates, as insurers deem them more likely to be involved in future incidents.

Notably, an accident can significantly raise your insurance rate, as it indicates a higher risk of expensive claims for the insurer. This risk assessment directly affects the cost of minimum coverage insurance in North Carolina.

Cheapest Motorcycle Insurance For Full Coverage

Our extensive research revealed that Harley-Davidson (Sentry) offers the most affordable full coverage motorcycle insurance in North Carolina, priced at $31 per month.

The “cheapest full coverage for motorcycle insurance in North Carolina” category refers to the most budget-friendly insurance options that exceed the state’s minimum liability requirements. Full coverage usually includes comprehensive and collision insurance, offering extensive protection against events like accidents, theft, vandalism, and natural disasters.

Insurance rates in this category are significantly impacted by a rider’s driving history. A clean record typically results in lower premiums, as insurers perceive these riders as lower risk.

On the flip side, a history of accidents or traffic violations frequently leads to higher rates because these riders are seen as higher risk. More specifically, being in an accident can notably raise your rate as it increases the insurer’s perception of future claim likelihood.

Average Cost Of Motorcycle Insurance In North Carolina

The typical monthly expense for full coverage motorcycle insurance in North Carolina amounts to $36.

Average Cost Of Motorcycle Insurance In North Carolina – By City

Your motorcycle insurance rates in North Carolina will vary depending on your city. For instance, riders in large metropolitan areas face higher rates compared to those in rural areas due to the higher accident rates in densely populated zip codes.

These ten cities offer the lowest motorcycle insurance rates in North Carolina:

Do You Need Motorcycle Insurance In North Carolina?

In North Carolina, having motorcycle insurance isn’t just important—it’s required by law. The state mandates that all motorcyclists carry at least the minimum insurance coverage to legally ride on public roads. This regulation ensures financial accountability for any damages or injuries in the event of an accident.

In North Carolina, the minimum insurance coverage includes liability insurance, which pays for bodily injury and property damage you may cause to others in an accident.

The law specifically requires at least $30,000 for injury or death to one person, $60,000 for injury or death to multiple people, and $25,000 for property damage. However, this basic coverage does not cover the rider’s own injuries or motorcycle damages.

For more extensive protection, riders often look into additional coverages like collision, comprehensive, and uninsured/underinsured motorist coverage. Collision insurance covers damage to your motorcycle from accidents, while comprehensive insurance handles non-collision incidents such as theft, vandalism, or natural disasters.

Uninsured/underinsured motorist coverage is crucial in North Carolina due to the high number of drivers and riders who might lack adequate insurance.

Although the law sets minimum insurance requirements, riders should assess their specific needs based on factors such as the value of their motorcycle, how often they ride, and their personal financial situation.

Additionally, not carrying the required insurance can lead to penalties like fines, license suspension, and even motorcycle impoundment.

How To Get A Motorcycle Insurance Quote

Obtaining a motorcycle insurance quote is simple and involves several steps:

Gather Your Personal Information: Before beginning, make sure you have your personal information ready, such as your full name, address, date of birth, and driver’s license number. Also, gather details about any additional riders who may use the motorcycle.

Collect Your Motorcycle’s Details: You will need detailed information about your motorcycle, including the make, model, year, engine size, and vehicle identification number (VIN). Be sure to have details on any modifications or safety features, as these can impact your quote.

Determine Your Insurance Needs: Think about the type of coverage you need, including liability limits and whether you want additional options like comprehensive, collision, or uninsured motorist coverage.

Research Insurance Providers: Research insurance companies that provide motorcycle insurance. Review their reputation, customer service ratings, and financial stability.

Get Quotes: You have the option to request motorcycle insurance quotes through different channels: online, by phone, or in person. Simply share the information you’ve collected with the insurance provider. Utilizing online forms can swiftly provide you with multiple quotes simultaneously, offering convenience. (Services like Insuranceopedia can assist by providing multiple quotes, making your decision-making process smoother.)

Compare Quotes: After obtaining multiple quotes, compare them based not only on price but also on coverage options, deductibles, and any exclusions or limitations. Ensure you’re comparing similar coverage types across different quotes.

Ask About Discounts: Ask about any discounts you might be eligible for, such as those for safe driving, bundling multiple policies, or completing motorcycle safety courses.

Review Quotes and Select a Policy: Evaluate all the information and choose the policy that provides the best mix of price and coverage for your needs.

Provide Additional Information and Make Your Purchase: After choosing a provider, you might need to submit additional information or documents. Review the policy details, make your first payment, and receive your proof of insurance.

After choosing a provider, you might need to submit extra information or documents. Review the policy details, make the first payment, and get your proof of insurance.