Cheapest and Best Motorcycle Insurance in Oregon 2024
Harley-Davidson (Sentry Insurance) is the most cost-effective option for those focused on affordability, with a monthly premium of $29.
Choosing the right motorcycle insurance in Oregon can be a challenge. Fortunately, you’re where you need to be to sort through the options. The best provider we’ve found combines comprehensive coverage with top-notch customer service.
After more than 15 years in the insurance industry, I’ve seen the problems that arise when people skimp on motorcycle insurance. It’s not just about legalities; it’s about protecting your valuable investment.
Our guide uses years of experience to help you dodge common issues and find the most reliable and budget-friendly options for your bike.
Best Motorcycle Insurance In Oregon 2024
Compare The Best Motorcycle Insurance Companies In Oregon
| 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
To find the best motorcycle insurance in Oregon, I considered unbiased ratings from AM Best for financial stability and J.D. Powers for customer satisfaction. Additionally, I reviewed consumer feedback and drew on my background as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best Motorcycle Insurance Companies in Oregon
Best Overall
Key Statistics
Why We Like Them
⇅In Oregon, Harley Davidson is the premier choice for motorcycle insurance, thanks to robust policies and outstanding service from Sentry Insurance. This partnership offers a special benefit.
Harley Davidson’s insurance policies are underwritten by Sentry, a trusted insurer, guaranteeing dependability and financial solidity. Sentry’s A+ rating from AM Best signifies their competence in meeting policyholder needs.
Harley Davidson’s insurance, underpinned by Sentry’s expertise, is tailored for Oregon’s varied and challenging riding conditions. These policies offer wide-ranging coverage and customer-focused services, making them a prudent investment for motorcyclists.
With Harley Davidson’s tailored insurance solutions and Sentry’s proven success, it stands out as the top motorcycle insurance choice in the state.
Benefits & Drawbacks
⇅- Customized coverage options for motorcyclists
- Backed by Sentry Insurance, known for financial stability and reliability
- Offers discounts and rewards for safe riders and H.O.G. members ✓
- Some riders may not prefer third-party insurer coverage
- Coverage is particularly beneficial for Harley Davidson owners
- Limited availability in certain regions ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅GEICO is a top choice for bundling insurance in Oregon, especially when adding motorcycle insurance. Their competitive pricing on various insurance products makes them a go-to for Oregon motorcyclists wanting to combine their policies.
GEICO distinguishes itself by seamlessly integrating motorcycle, auto, and home insurance policies into one package, simplifying management and often providing substantial savings for policyholders.
GEICO stands out for its affordability and user-friendly experience. Their digital tools, like an extensive website and a highly-rated mobile app, make policy management easy. Additionally, GEICO’s customer service is consistently highly rated, providing prompt assistance.
Oregon motorcyclists enjoy easy access to policy information and smooth claims processing. GEICO’s affordability, convenience, and reliable customer service make it a prime choice for bundling insurance in Oregon.
Benefits & Drawbacks
⇅- Competitive pricing and several discount options available
- User-friendly online tools and a mobile app facilitate easy policy management
- Efficient claims processing with a strong reputation for customer service ✓
- Coverage options might be less specialized for motorcycles compared to providers focused only on motorcycle insurance
- Some customers mention inconsistencies in customer service experiences
- Policy customization options may be more limited compared to specialized motorcycle insurance providers. ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅For military members, USAA stands as the best motorcycle insurance provider, offering specialized services and a trusted partnership. Understanding the specific needs of the military community, USAA has chosen Progressive, an A+ (Superior) rated company, to handle coverage and claims. This strategic alliance leverages Progressive’s strong motorcycle insurance record and USAA’s dedication to military personnel and their families.
Through its partnership with Progressive, USAA offers members specialized motorcycle insurance backed by financial stability and expertise. Additionally, USAA’s highest customer service rating from J.D. Powers underscores its dedication to excellence and customer satisfaction.
Military personnel benefit from this alliance through efficient service, responsive claims handling, and policies that cater to the complexities of military life. The cooperation between USAA and Progressive provides military riders with a reliable, comprehensive insurance solution tailored to their distinct needs
Benefits & Drawbacks
⇅- Military members and their families receive tailored services and discounts
- Progressive handles coverage and claims, known for motorcycle insurance expertise
- USAA is highly rated for customer service, ensuring a supportive experience ✓
- USAA membership is exclusive to military members, veterans, and their families, restricting general public access
- Some policyholders may prefer dealing directly with a single insurer rather than through a partnership
- Coverage options and benefits could be more generic, as they are part of a broader, non-specialized portfolio ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅For motorcycle insurance in Oregon, Allstate is a standout choice due to its exceptional customer service. Allstate’s personalized approach ensures each policyholder receives tailored and attentive care, which is vital for motorcyclists with specific needs and concerns that differ from standard auto insurance clients.
Oregon’s extensive biking community benefits greatly from Allstate’s local agents, who provide invaluable support. These agents, knowledgeable about the state’s road laws and riding culture, offer insights beyond standard insurance queries. Additionally, Allstate’s robust online and mobile platforms provide convenient 24/7 access to policy management and claims filing, complementing their personal touch.
The combination of skilled local agents, effective digital platforms, and a strong commitment to customer satisfaction makes Allstate a leading option for motorcycle insurance in Oregon.
Benefits & Drawbacks
⇅- Diverse coverage options and customizable policies to fit individual needs.
- Access to local agents who offer personalized service and understand regional insurance nuances.
- Multiple discounts available, such as for safe riding and bundling policies. ✓
- Premiums may be on the higher side compared to other providers.
- Discounts and policy options vary widely depending on personal circumstances.
- Some riders may find the policy options more fitting for casual use rather than professional or competitive riding. ✘
Cheapest Minimum Liability Motorcycle Insurance In Oregon
We discovered that USAA (using Progressive) has the lowest monthly rates for minimum coverage in Oregon, priced at $10.
The “cheapest minimum coverage for motorcycle insurance in Oregon” refers to the least expensive insurance policies that satisfy the state’s minimum legal requirements for riders. These policies generally include basic liability coverage, which covers bodily injury and property damage expenses that the rider might cause to others in an accident.
Insurance rates in this category are heavily influenced by factors such as driving history. Riders with a clean record usually benefit from lower premiums because they are seen as lower risk by insurers. Conversely, those with a history of accidents or traffic violations face higher rates, as insurers view them as more likely to be involved in future incidents.
An accident can notably raise your insurance rate, suggesting a higher risk of costly claims for the insurance company. This risk evaluation directly affects the price of minimum coverage insurance in Oregon.
| Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
| Progressive | $132 |
| Geico | $150 |
| Allstate | $165 |
| Dairyland | $178 |
Cheapest Full Coverage Motorcycle Insurance In Oregon
Our comprehensive research showed that Harley Davidson (Sentry) offers the best deal on full coverage motorcycle insurance in Oregon, with a monthly rate of $29.
“Cheapest full coverage for motorcycle insurance in Oregon” refers to the most cost-effective insurance policies that exceed the state’s minimal liability standards. Full coverage usually includes both comprehensive and collision insurance, providing extensive protection against various risks such as accidents, theft, vandalism, and natural disasters.
In this category, insurance rates are heavily influenced by a rider’s driving history. A clean record typically results in lower premiums because insurers view these riders as less risky.
Conversely, a track record of accidents or traffic violations often leads to higher rates since these riders are deemed higher risk. Specifically, being involved in an accident can significantly boost your rate due to the insurer’s heightened perception of future claim probabilities.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $29 |
| Geico | $35 |
| Progressive | $42 |
| Allstate | $50 |
| Nationwide | $58 |
Average Cost Of Motorcycle Insurance In Oregon
The average monthly rate for full coverage motorcycle insurance in Oregon stands at $30.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $29 |
| Geico | $35 |
| Progressive | $42 |
| Allstate | $50 |
| Nationwide | $58 |
Average Cost Of Motorcycle Insurance In Oregon – By City
Where you live in Oregon impacts your motorcycle insurance rates. Riders in large metropolitan areas typically face higher premiums than those in rural areas due to the higher accident rates in more populated zip codes.
Here are the ten cities with the lowest motorcycle insurance rates in Oregon:
| Rank | City | Average Monthly Rate |
|---|---|---|
| 1 | Eugene | $60 |
| 2 | Salem | $62 |
| 3 | Beaverton | $65 |
| 4 | Medford | $67 |
| 5 | Bend | $70 |
| 6 | Hillsboro | $72 |
| 7 | Gresham | $75 |
| 8 | Springfield | $78 |
| 9 | Corvallis | $80 |
| 10 | Portland | $85 |
Do You Need Motorcycle Insurance In Oregon?
Motorcycle insurance in Oregon is compulsory, not just recommended. The state requires all riders to carry at least the minimum level of insurance to legally use public roads. This law is designed to ensure financial responsibility for any damages or injuries in case of an accident.
Oregon law requires a minimum level of insurance coverage that includes liability insurance for bodily injury and property damage caused to others in an accident. This includes at least $25,000 for injury or death to one person, $50,000 for injury or death to multiple people, and $20,000 for property damage. This basic coverage, however, does not protect the rider’s own injuries or motorcycle damage.
Riders aiming for broader protection usually add coverages like collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage pays for accident-related motorcycle damages, and comprehensive insurance covers non-collision events like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is particularly important in Oregon, where many drivers and riders may not have enough insurance.
Though the law dictates minimum insurance requirements, riders should consider their personal needs, including their motorcycle’s value, how often they ride, and their financial situation. Failure to maintain the required insurance can result in fines, license suspension, and even having the motorcycle impounded.
How To Get A Motorcycle Insurance Quote
Securing a motorcycle insurance quote is a hassle-free process involving several steps:
Gather Your Personal Information: Prepare your personal information before starting, including your full name, address, date of birth, and driver’s license number. Don’t forget to have details about any additional riders who may use the motorcycle.
Collect Your Motorcycle’s Details: You’ll need to provide specific information about your motorcycle, such as the make, model, year, engine size, and VIN. Additionally, note any modifications or safety features, as these can affect the insurance quote.
Determine Your Insurance Needs: Evaluate what type of coverage you need, including your desired liability limits and whether you want to add comprehensive, collision, or uninsured motorist coverage.
Research Insurance Providers: Look into insurance companies that offer motorcycle insurance. Evaluate their reputation, customer service track record, and financial stability.
Get Quotes: You can seek motorcycle insurance quotes using online platforms, phone inquiries, or in-person meetings. Simply relay the information you’ve gathered to the insurance company. Online forms can swiftly generate multiple quotes, offering convenience. (Utilizing services like Insuranceopedia can offer multiple quotes, making it easier to compare options.)
Compare Quotes: With several quotes in hand, compare them based on price, coverage options, deductibles, and any exclusions or limitations. Be sure you’re comparing similar coverages across different quotes.
Ask About Discounts: Inquire about discounts you may qualify for, including those for safe driving, holding multiple policies, or taking motorcycle safety courses.
Review Quotes and Select a Policy: Assess all the details and choose the policy that strikes the best balance between price and coverage for your needs.
Provide Additional Information and Make Your Purchase: After selecting a provider, you might need to supply extra information or documents. Review the policy details, pay the initial premium, and receive your proof of insurance.
After selecting a provider, you may need to give extra information or documents. Review the policy, make the first payment, and receive your proof of insurance.
FAQs
How much is motorcycle insurance in Oregon?
The average price for full coverage motorcycle insurance in Oregon is $30 per month.
Who is the cheapest motorcycle insurance company in Oregon?
For the lowest motorcycle insurance rates in Oregon, Harley Davidson offers policies at $29 per month, with coverage and services provided by Sentry Insurance Company.
Do you need motorcycle insurance in Oregon?
In Oregon, it’s mandatory for motorcycle riders to have insurance.
