Best & Cheapest Motorcycle Insurance in Pennsylvania 2024
For those looking to save money, Harley-Davidson (Sentry Insurance) stands out with a low monthly premium of $22.
Finding the best motorcycle insurance in Pennsylvania can be a daunting task, but rest assured, you’re in the right spot. According to our experience, the top provider offers a perfect mix of extensive coverage and excellent customer care.
With 15 years of experience in the insurance sector, I’ve seen firsthand how failing to invest in good motorcycle insurance can have serious repercussions. It’s not only about being compliant with the law but also about protecting your investment.
Drawing on years of expertise, our guide is here to help you avoid mistakes and find the best, most economical choices for your ride.
Best Motorcycle Insurance In Pennsylvania 2024
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Compare The Best Motorcycle Insurance In Pennsylvania
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 Pennsylvania
Best Overall
Key Statistics
Why We Like Them
⇅Harley Davidson shines as the best option for motorcycle insurance in Pennsylvania, offering strong coverage and excellent service through Sentry Insurance, giving it a unique advantage.
Harley Davidson’s insurance policies are supported by Sentry, a reputable name in the industry, providing policyholders with reliability and a robust financial foundation. Sentry’s A+ rating from AM Best highlights their capability in meeting commitments.
In the diverse riding landscape of Pennsylvania, Harley Davidson’s insurance, supported by Sentry’s know-how, addresses the varied needs of motorcyclists. These policies provide comprehensive coverage and exceptional customer service, making them a wise investment.
The combination of Harley Davidson’s custom insurance solutions and Sentry’s solid track record makes it the top option for motorcycle insurance in the state.
Benefits & Drawbacks
⇅- Tailored coverage designed for motorcyclists
- Supported by Sentry Insurance, noted for financial stability and reliability
- Includes various discounts and rewards for safe riders and H.O.G. members ✓
- Some riders may not want a third-party insurer
- Coverage is more advantageous for Harley Davidson bikes
- Limited availability in some areas ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅USAA is the top motorcycle insurance option for military members, providing customized services and a reliable partnership. By recognizing the unique needs of the military community, USAA has selected Progressive, an A+ (Superior) rated company, to manage coverage and claims. This collaboration merges Progressive’s motorcycle insurance expertise with USAA’s commitment to serving military personnel and their families.
USAA’s collaboration with Progressive guarantees specialized motorcycle insurance for its members, supported by financial stability and field expertise. Furthermore, J.D. Powers’ highest customer service rating for USAA highlights its commitment to excellence and customer satisfaction.
Service members gain advantages from this partnership by receiving streamlined service, prompt claims processing, and policies that understand the unique aspects of military life. The collaboration between USAA and Progressive ensures military riders receive a dependable, all-inclusive insurance solution tailored to their circumstances.
Benefits & Drawbacks
⇅- Tailored discounts and services for military members and their families
- Progressive handles coverage and claims, known for motorcycle insurance expertise
- USAA has high customer service ratings, ensuring a supportive experience ✓
- USAA membership is limited to military members, veterans, and their families, restricting general public access
- Some policyholders may prefer direct dealings with a single insurer rather than through a partnership
- Coverage options and benefits might be more generic, as they are part of a larger, non-specialized insurance portfolio ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅For bundling insurance in Pennsylvania, GEICO is a standout choice, particularly with motorcycle insurance. Their affordable rates across different insurance types make them a popular choice for Pennsylvania motorcyclists consolidating their coverage.
What makes GEICO exceptional is its ability to seamlessly combine multiple insurance policies, such as motorcycle, auto, and home, into one comprehensive package. This simplifies management and often results in considerable savings for policyholders.
GEICO is celebrated not only for its cost-effectiveness but also for its user-friendly services. Their digital platforms, such as a comprehensive website and a top-rated mobile app, make managing policies straightforward. GEICO’s customer service also receives high marks, ensuring efficient help.
This means easy access to policy information and hassle-free claims processing for Pennsylvania motorcyclists. GEICO’s mix of affordability, convenience, and dependable customer service makes it a great choice for bundling insurance in Pennsylvania.
Benefits & Drawbacks
⇅- Competitive pricing with a variety of discounts available
- User-friendly online tools and a mobile app make policy management easy
- Efficient claims processing and a strong customer service reputation ✓
- Coverage options might be less specialized for motorcycles than those offered by providers focused solely on motorcycle insurance
- Some customers report variability in their customer service experiences
- Policy customization options may be limited compared to niche motorcycle insurance providers ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅Allstate emerges as a top option for motorcycle insurance in Pennsylvania, particularly for its superior customer service. Renowned for its personalized approach, Allstate guarantees each policyholder gets attentive and customized support, crucial for motorcyclists with unique needs different from standard auto insurance clients.
In a state like Pennsylvania, with its diverse biking community, Allstate’s local agents offer vital on-the-ground support. Well-versed in the state’s road laws and riding culture, these agents provide insights and guidance beyond basic insurance queries. Coupled with Allstate’s robust online and mobile platforms, which offer 24/7 policy management and claims filing, their personalized service is unmatched.
Allstate’s mix of expert local agents, efficient digital resources, and a commitment to customer satisfaction makes it a standout choice for motorcycle insurance in Pennsylvania.
Benefits & Drawbacks
⇅- A wide range of coverage options and customizable policies to meet specific needs
- Personalized service from local agents who understand regional insurance requirements.
- Various discounts, including safe riding and multi-policy discounts. ✓
- Premiums can be higher than those offered by some competitors.
- Discounts and policy choices can vary significantly based on individual situations.
- Policies may be more suitable for casual riders rather than for those who ride professionally or competitively. ✘
Cheapest Minimum Liability Motorcycle Insurance In Pennsylvania
Our investigation revealed that USAA (through Progressive) offers the most budget-friendly minimum coverage rates in Pennsylvania, at $6 per month.
The category “cheapest minimum coverage for motorcycle insurance in Pennsylvania” includes the most budget-friendly policies that comply with the state’s legal requirements for motorcyclists. These policies typically offer basic liability coverage, which covers the costs of bodily injury and property damage caused to others by the rider in an accident.
Factors including driving history greatly affect insurance rates in this category. Typically, a clean driving record leads to lower premiums, as insurers regard these riders as lower risk. In contrast, a history of accidents or traffic violations results in higher rates, as insurers perceive these individuals as more likely to have future incidents.
Significantly, an accident can increase your insurance rate, as it suggests a higher likelihood of expensive claims for the insurer. This risk assessment directly impacts the cost of minimum coverage insurance in Pennsylvania.
Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
Progressive | $75 |
Geico | $79 |
Allstate | $98 |
Dairyland | $102 |
Cheapest Full Coverage Motorcycle Insurance In Pennsylvania
Extensive research indicates that Harley Davidson (Sentry) provides the most economical full coverage motorcycle insurance in Pennsylvania, available for $22 per month.
The category “cheapest full coverage for motorcycle insurance in Pennsylvania” identifies the most affordable options for insurance policies that go beyond the state’s basic liability requirements. Full coverage typically includes comprehensive and collision insurance, offering broad protection against accidents, theft, vandalism, and natural disasters.
A rider’s driving history is a significant factor in determining insurance rates in this category. Having a clean record often leads to lower premiums, as insurers perceive these riders as lower risk.
Conversely, a history of accidents or traffic violations usually results in higher rates, as insurers view these riders as higher risk. Specifically, being in an accident can significantly raise your rate as it heightens the insurer’s anticipation of future claims.
Company | Average Monthly Rate for Full Coverage |
Harley-Davidson | $22 |
Geico | $35 |
Progressive | $36 |
Allstate | $50 |
Nationwide | $52 |
Average Cost Of Motorcycle Insurance In Pennsylvania
Pennsylvania motorcyclists generally spend approximately $24 per month for full coverage motorcycle insurance.
Company | Average Monthly Rate for Full Coverage |
Harley-Davidson | $22 |
Geico | $35 |
Progressive | $36 |
Allstate | $50 |
Nationwide | $52 |
Average Cost Of Motorcycle Insurance In Pennsylvania – By City
Your city’s location in Pennsylvania will affect your motorcycle insurance rates. Riders in densely populated metro areas often pay higher rates than those in rural areas because of the increased accident risk in urban zip codes.
These ten cities have the lowest motorcycle insurance rates in Pennsylvania:
Rank | City | Average Monthly Rate |
---|---|---|
1 | Reading | $55 |
2 | Allentown | $58 |
3 | Scranton | $60 |
4 | Erie | $62 |
5 | Bethlehem | $65 |
6 | Harrisburg | $67 |
7 | Lancaster | $70 |
8 | York | $72 |
9 | Pittsburgh | $75 |
10 | Philadelphia | $78 |
Do You Need Motorcycle Insurance In Pennsylvania?
In Pennsylvania, carrying motorcycle insurance is a legal requirement. The state mandates that all motorcycle riders have a minimum level of coverage to legally ride on public roads. This law ensures that there is financial responsibility for damages or injuries in the event of an accident.
The state of Pennsylvania mandates minimum insurance coverage that includes liability insurance for bodily injury and property damage to others in an accident. The required amounts are $15,000 for injury or death to one person, $30,000 for injury or death to multiple people, and $5,000 for property damage. This basic coverage does not cover the rider’s own injuries or their motorcycle’s damages.
For more comprehensive protection, riders often include additional coverages like collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage handles damage to your motorcycle in accidents, and comprehensive insurance covers theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is crucial in Pennsylvania due to the prevalence of inadequately insured drivers and riders.
While legal minimum insurance requirements exist, it’s advisable for riders to assess their specific needs, considering factors like motorcycle value, riding frequency, and financial situation. Not having the required insurance can lead to penalties such as fines, license suspension, and the impoundment of the motorcycle.
How To Get A Motorcycle Insurance Quote
The steps to get a motorcycle insurance quote are straightforward:
Gather Your Personal Information: Have your personal information prepared before starting. This includes your full name, address, date of birth, and driver’s license number, as well as details about any additional riders who may use the motorcycle.
Collect Your Motorcycle’s Details: Be prepared with specific details about your motorcycle, like the make, model, year, engine size, and vehicle identification number (VIN). Also, have information on any modifications or safety features, as they can impact your quote.
Determine Your Insurance Needs: Decide on the type of coverage you need, including liability limits, and consider if you want to include additional options like comprehensive, collision, or uninsured motorist coverage.
Research Insurance Providers: Investigate insurance companies providing motorcycle insurance. Examine their reputation, customer service reviews, and financial soundness.
Get Quotes: When requesting motorcycle insurance quotes, you can choose between online submissions, phone calls, or personal visits. Provide the necessary information to the insurance provider. Using online forms can efficiently gather multiple quotes, saving time. (Utilizing resources like Insuranceopedia can provide multiple quotes, simplifying your decision-making process.)
Compare Quotes: After collecting multiple quotes, compare them not just by price but also by coverage options, deductibles, and exclusions or limitations. Make sure you’re comparing similar coverage types across different quotes.
Ask About Discounts: Ask the insurance provider about possible discounts for safe driving, multiple policies, or completing motorcycle safety courses.
Review Quotes and Select a Policy: Examine all the information and select the policy that delivers the best blend of price and coverage for your needs.
Provide Additional Information and Make Your Purchase: Once you’ve chosen a provider, you may need to give additional details or documents. Look over the policy, make the first payment, and you’ll get your proof of insurance.
Once you’ve chosen a provider, more details or paperwork may be required. Look over the policy details, make your initial payment, and get your proof of insurance.
Our Methodology
My evaluation of top motorcycle insurance providers in Pennsylvania included impartial data from AM Best for financial strength and J.D. Powers for customer satisfaction. I also considered consumer reviews and my own experience 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 Pennsylvania?
In Pennsylvania, full coverage motorcycle insurance usually costs $24 a month.
Who is the cheapest motorcycle insurance company in Pennsylvania?
Harley Davidson provides the least expensive motorcycle insurance in Pennsylvania at $22 monthly, with Sentry Insurance Company managing the coverage and customer service.
Do you need motorcycle insurance in Pennsylvania?
The law mandates that all motorcycle operators in Pennsylvania must have insurance.