Who Has the Cheapest Motorcycle Insurance in Mississippi?
Progressive has the best cheap motorcycle insurance in Mississippi. It costs $30 per month for full coverage.
Dairyland has the cheapest rates in Mississippi, with an average cost of $24 per month. However, it has a weak customer service reputation and fewer coverage add-ons and discounts compared to most Mississippi motorcycle insurance companies.
Compare Motorcycle Insurance Quotes in Mississippi
Best cheap MS motorcycle insurance
ValuePenguin compared quotes from seven top companies across 53 of the largest cities in Mississippi to help you find the best cheap motorcycle insurance in MS.
Our experts ranked the best motorcycle insurance companies in Mississippi based on customer service, cost and coverage availability.
To find the cheapest companies, we compared quotes for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. See our full methodology.
The cheapest motorcycle insurance companies in Mississippi
Dairyland has the cheapest motorcycle insurance in Mississippi, with an average cost of $24 per month. Both Progressive and Harley-Davidson cost $30 per month.
Compare Motorcycle Insurance Quotes in Mississippi
Motorcycle insurance in Mississippi costs an average of $48 per month, or $575 per year.
Cheapest motorcycle insurance companies in Mississippi
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $24 | |
| Progressive | $30 | |
| Harley-Davidson | $30 | |
| Allstate | $37 | |
| Markel | $46 | |
Best motorcycle insurance for most people: Progressive
-
Editor rating
-
Monthly rate
$30 ?
Pros and cons
Progressive is the best option for most Mississippi motorcycle riders because it offers a wide range of coverage options and discounts. It also has the second-cheapest average rates among big motorcycle insurance companies in Mississippi. Progressive also gets 83% fewer customer complaints compared to an average insurance company its size, according to the National Association of Insurance Commissioners (NAIC).
Progressive coverage add-ons
- Accident forgiveness
- Expanded parts coverage
- Full replacement cost coverage
- Carried contents
- Enhanced injury coverage
- Roadside assistance
- Disappearing deductible
You can lower the cost of your Progressive motorcycle policy even further by getting one or more of the following discounts.
Progressive discounts
- Advance quote: This discount rewards you for getting a quote before you need insurance.
- Multipolicy: Save money when you get more than one type of insurance through Progressive.
- Safety endorsement: Complete a qualifying safety course to get this discount.
- Safe & Steady rider: This discount is available to drivers who are at least 45 years old and have at least three years of riding experience without accidents or traffic violations.
- Responsible driver: To qualify for this discount, you can't have any accidents or traffic violations in the past three years.
- Switch discount: Switch motorcycle insurance policies to take advantage of this discount.
- Association member: Members of Harley Owners Group (H.O.G.) or United Services Automobile Association (USAA) qualify for this discount.
- Automatic payments: Get a discount when you link a credit card, debit card or bank account to your policy for automatic payments.
- Pay in full: You can qualify for this discount if you pay in full at the start of your policy.
Although Progressive offers an impressive amount of coverage add-ons, it doesn't sell rental reimbursement coverage. Consider Harley-Davidson or Dairyland if you want this coverage option.
Progressive will insure most motorcycles as long as they're street-legal.
Best for cheap rates: Dairyland
-
Editor rating
-
Monthly rate
$24 ?
Pros and cons
Dairyland motorcycle insurance costs just $24 per month in Mississippi. That's half the price of the state average. You can cut your costs even more by taking advantage of one or more of its discounts.
- Loyalty discount
- Multicycle discount
- Homeowners discount
- New customer transfer discount
- Motorcycle rider course discount
- Motorcycle group insurance discount
- Harley Owners Group (H.O.G.) membership discount
Dairyland is a good choice for daily riders because it offers strong coverage with benefits like rental reimbursement and expanded parts coverage for special equipment. Also, Dairyland's original equipment manufacturer (OEM) coverage will pay for new parts from the company that made your motorcycle.
Poor customer service is a major drawback to Dairyland. The company gets more than two and a half times as many complaints as an average insurance company its size. This means you're more likely to experience a frustrating claims process compared to a company with fewer complaints like Progressive or Harley-Davidson.
Best motorcycle insurance for touring: Harley-Davidson
-
Editor rating
-
Monthly rate
$30 ?
Pros and cons
Harley-Davidson is the best option for Mississippi riders who regularly go on long road trips. That's because Harley-Davidson offers rental reimbursement, trip interruption and vacation rental coverage.
A Harley-Davidson motorcycle policy costs $30 per month on average, making it one of the cheapest options among large Mississippi motorcycle insurance companies. In addition to its low rates, Harley-Davidson offers many discounts including military, law enforcement, H.O.G. membership, motorcycle endorsement, multicycle, homeowners, multicycle and more.
Harley-Davidson gets significantly fewer complaints compared to an average motorcycle insurance company of the same size. This suggests most Harley-Davidson customers are happy with their coverage.
Harley-Davidson doesn't offer an auto-motorcycle bundling discount. If you already have an auto policy through another motorcycle insurance company, such as Progressive or Allstate, you may get a better deal by bundling all of your vehicle insurance with one company.
Mississippi motorcycle insurance: Costs by city
Columbus, Hernando, Holly Springs, Horn Lake and Southaven have the cheapest motorcycle insurance in MS, at $42 per month.
Gulfport, Bay St. Louis, Biloxi and Pass Christian have the most expensive motorcycle insurance among Mississippi's larger cities, with an average rate of $60 per month.
Depending on where you live in Mississippi, motorcycle insurance can differ by $18 per month. Factors like crime, weather and traffic can contribute to price differences between cities.
Average motorcycle insurance cost in MS by city
City | Monthly cost | % from average |
|---|---|---|
| Aberdeen | $47 | -1% |
| Ackerman | $48 | 1% |
| Batesville | $44 | -8% |
| Bay St. Louis | $60 | 25% |
| Belzoni | $49 | 2% |
Mississippi motorcycle insurance requirements
In Mississippi, you must have a minimum level of coverage before you can ride a motorcycle.
In Mississippi, you must have bodily injury liability limits of at least $25,000 per person and $50,000 per accident. The minimum property damage liability limit in Mississippi is $25,000 per accident. These limits are often written as 25/50/25.
Bodily injury liability pays for any injuries that you cause to other people. Property damage liability pays for damage that you cause to property owned by other people.
Keep in mind that liability coverage only pays for damage done to others. To protect yourself, it's a good idea to buy comprehensive and collision coverage. Collision coverage will pay for damage done to your motorcycle by an accident, while comprehensive will pay for damage caused by virtually anything else, such as extreme weather, a break-in or a falling tree branch.
Motorcycle license requirements in Mississippi
You need a driver's license with a motorcycle endorsement to drive a motorcycle in Mississippi. To get a motorcycle endorsement, typically you must pass both a written knowledge test and a road test.
You don't need to take the road test if you've taken a motorcycle safety class endorsed by the American Association of Motor Vehicle Administrators (AAMVA). However, you must still take the written knowledge test.
You can get a Mississippi motorcycle endorsement if you already have a valid motorcycle endorsement from another state.
The minimum age to get a motorcycle learner's permit is 15 in Mississippi.
Frequently asked questions
Who has the best motorcycle insurance in Mississippi?
Progressive has the best motorcycle insurance for most riders in Mississippi. It offers cheap rates, strong customer service and many coverage options.
How much is motorcycle insurance in Mississippi?
The average cost of motorcycle insurance in Mississippi is $48 per month for a full coverage policy. However, the cheapest motorcycle insurance in Mississippi costs just half that amount. You can buy a full coverage policy from Dairyland for $24 per month on average.
Is motorcycle insurance required in Mississippi?
Yes, you must have at least $25,000 of bodily injury coverage per person, $50,000 per accident and $25,000 of property damage liability, called 25/50/25 coverage, before legally driving a motorcycle in Mississippi. It's recommended that you go beyond the minimum coverage requirements to better protect yourself in the event of an accident.
Compare motorcycle insurance in Mississippi vs other states
Methodology
To find the best cheap motorcycle insurance in Mississippi, ValuePenguin collected more than 200 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with 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
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
The best companies in MS were chosen based on their monthly rates, coverage options and customer service.
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.