Who Has The Cheapest Motorcycle Insurance in Delaware?
Harley-Davidson has the cheapest motorcycle insurance rates in Delaware, at $23 per month.
Compare Motorcycle Insurance Quotes in Delaware
Best cheap motorcycle insurance in Delaware
To find the best cheap motorcycle insurance in Delaware, ValuePenguin reviewed quotes for seven insurance companies in 25 of the state's largest cities. Our experts also analyzed each company's coverage options and customer service.
The rates gathered are for a full coverage policy. The liability limits are higher than the state minimum, and the policy also includes comprehensive and collision coverage. Full methodology.
Cheapest motorcycle insurance in Delaware
Harley-Davidson sells the cheapest motorcycle insurance in Delaware.
Harley-Davidson's policies cost $23 per month, which is about 38% cheaper than the state average of $37. It also offers impressive coverage and good customer service.
Compare Motorcycle Insurance Quotes in Delaware
Dairyland is also a cheap choice, but it has worse customer satisfaction than Harley-Davidson, so it's not the best option for most people. If finding cheap motorcycle insurance is your priority, get quotes from a few companies and look for discounts that can lower your rate.
Cheapest motorcycle insurance companies in Delaware
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson | $23 | |
| Dairyland | $25 | |
| Progressive | $27 | |
| Markel | $34 | |
| Allstate | $41 | |
Best motorcycle insurance for most people: Harley-Davidson
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Editor rating
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Monthly rate
$23 ?
Pros and cons
Harley-Davidson's low rates and good coverage options make it the best cheap motorcycle insurance in Delaware.
A policy from Harley-Davison costs an average of $23 per month, which is the cheapest in the state. And the company offers plenty of extra coverage options to help you tailor your policy to your specific needs.
If your motorcycle is your only vehicle, for example, you could add rental coverage, which pays for you to rent a motorcycle if yours is damaged in an accident. Harley-Davidson also offers trip interruption coverage, which pays for things like food and lodging if you're on a trip when your bike is damaged and you're far from home.
Harley-Davidson also has a wide range of discounts that you can use to lower your monthly rate. You might save if you insure more than one motorcycle, don't have any motorcycle claims on your record or if your bike has anti-theft features. But Harley-Davidson doesn't sell auto or home insurance, so you can't bundle your motorcycle policy with your other insurance.
In Delaware, Harley-Davidson sells motorcycle insurance through a company called Sentry Select. The company has excellent customer satisfaction, which is important if you make changes to your policy often or need to file a claim.
Best for added coverage: Progressive
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Editor rating
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Monthly rate
$27 ?
Pros and cons
Progressive automatically includes several extra coverages that other companies charge for.
If getting a well-rounded policy is your main priority, Progressive is a good option. The company still has cheap rates, at $27 per month on average, and its basic policy includes more coverage than other companies.
- Original parts: Progressive automatically includes coverage to repair your damaged motorcycle with original parts from your manufacturer. Most motorcycle insurance policies use parts made by other companies unless you pay extra.
- Replacement cost for parts: On top of that, Progressive automatically pays you the full cost of your damaged motorcycle parts. Other companies usually pay lower amounts based on how old your parts are and how much wear and tear is on them.
- Custom parts and accessories coverage: A Progressive policy automatically covers up to $3,000 in custom parts and accessories, like a custom helmet or saddlebags. You can buy extra coverage up to $30,000.
But Progressive doesn't sell rental bike coverage, so it's not a good choice if your motorcycle is your only vehicle. Harley-Davidson would be a better option in that situation.
Progressive also has good customer service, with about 35% fewer complaints than expected for a company its size. That means that most customers are happy with Progressive's level of service.
Best for military members: USAA
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Editor rating
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Monthly rate
$26 ?
Pros and cons
USAA has cheap rates for motorcycle insurance and excellent customer satisfaction.
But it's only available to military members, veterans and some family members. If you qualify, though, you can get a cheap policy with good coverage. USAA also has 24-hour claims service and is highly rated by J.D. Power for auto insurance claims satisfaction. Motorcycle insurance is a different thing, but USAA's claims representatives are known for providing good service.
USAA sells motorcycle insurance through a partnership with Progressive and offers a 5% discount on Progressive's normal rates. USAA also has savings for taking a safety course, insuring more than one motorcycle or ATV, and being a responsible driver.
USAA is known for its high customer satisfaction. If you buy a motorcycle policy through USAA, your coverage will actually come from Progressive. That means you may work with both USAA and Progressive when you have a motorcycle policy. Progressive has high customer satisfaction for its motorcycle policies, and USAA also has fewer complaints than expected.
Delaware motorcycle insurance costs by city
Riders in Elsmere and Wilmington pay the highest motorcycle insurance rates in Delaware.
Dover, despite being the second-largest city by population, has fairly average rates. Smaller cities like Bridgeville and Lewes have some of the lowest rates. That might be because, in less populated areas, you're less likely to get into an accident.
City | Monthly cost | % from average |
|---|---|---|
| Bridgeville | $34 | -7% |
| Camden | $35 | -4% |
| Claymont | $39 | 8% |
| Clayton | $36 | 0% |
| Delaware City | $39 | 6% |
Delaware motorcycle insurance requirements
To ride your motorcycle legally, you have to have an insurance policy with at least enough coverage to satisfy Delaware's insurance laws. These limits are usually written as 25/50/10.
Coverage | Limits |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $10,000 |
| Personal injury protection (per person)* | $15,000 |
| Personal injury protection (per accident)* | $30,000 |
*PIP coverage can be very expensive for motorcycles, so many insurers will allow you to carry $15,000 with a $15,000 deductible — essentially allowing you to waive the coverage.
You won't be able to buy an insurance policy with limits lower than these. But it often makes sense to buy higher limits. The more coverage you have, the less you have to pay out of your own pocket if you get into an accident.
Frequently asked questions
Who has the best motorcycle insurance in Delaware?
Harley-Davidson sells the best and cheapest motorcycle insurance in Delaware. A policy costs $23 per month on average, and the company has numerous extra coverage options that you can add to build a stronger policy.
How much is motorcycle insurance in Delaware?
Motorcycle insurance costs $37 per month, on average, in Delaware. You might be able to get a cheaper policy from Harley-Davidson, Dairyland, Progressive or Markel.
Do you need motorcycle insurance in Delaware?
Yes, Delaware requires that you have a policy with at least 25/50/10 coverage. That means $25,000 in bodily injury per person, $50,000 bodily injury per accident and $10,000 in property damage coverage. You also have to have at least $15,000 per person and $30,000 per accident in personal injury protection coverage.
Compare motorcycle insurance in Delaware vs other states
Methodology
ValuePenguin collected 181 quotes from 26 ZIP codes across Delaware. The quotes are for a 45-year-old single man with a 2018 Honda CMX500 Rebel.
Rates are for full coverage. This means that the liability limits are higher than the state minimum requirement, and the policies include comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Personal injury protection: $15,000 per person and $30,000 per accident
- Comprehensive and collision deductible: $500
Other sources include J.D. Power and the National Association of Insurance Commissioners (NAIC).
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.