Who Has the Cheapest Motorcycle Insurance In Missouri?
Progressive has the lowest rates for motorcycle insurance in Missouri, with an average of $22 per month.
Compare Motorcycle Quotes in Missouri
Best cheap MO motorcycle insurance
ValuePenguin collected quotes from 24 of the largest cities in Missouri to help you find the best cheap motorcycle insurance in MO.
Our experts used customer service quality, rates and coverage options to rank the best motorcycle insurance companies in Missouri.
Prices are for a full coverage policy that includes higher liability limits than the state minimum, as well as collision and comprehensive coverage. See the full methodology.
Cheapest motorcycle insurance in Missouri
Progressive offers Missouri's cheapest motorcycle insurance.
Full coverage from Progressive costs an average of $22 per month. That's 46% cheaper than the state average and $14 per month cheaper than the second-cheapest option, Markel.
Compare Motorcycle Quotes in Missouri
Motorcycle insurance in Missouri costs an average of $41 per month. That's 23% more than the national average rate, which is $33 per month.
Cheapest motorcycle insurance companies in MO
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $22 | |
| Markel | $36 | |
| Geico | $41 | |
| Harley-Davidson | $42 | |
| Dairyland | $43 | |
Best for most people: Progressive
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Editor rating
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Monthly rate
$22 ?
Pros and cons
Progressive is the best option for motorcycle insurance for most Missouri riders. It has the cheapest rate in the state for full coverage, at $22 per month. That's 38% less expensive than the second-cheapest option.
Your basic Progressive policy will also include extra coverage you won't find with most other companies.
- Enhanced injury protection: If you're hurt in an accident and can't work, you can get $1,000 a month for up to two years to help pay bills and expenses.
- Original equipment manufacturer (OEM) parts: This protection will repair damage to your bike with new parts from the original manufacturer. That means you can return the bike to pre-accident condition or better.
- Roadside assistance: Available anywhere in the U.S., this includes free towing to the nearest repair shop.
You can also get a wide range of discounts from Progressive, including breaks on your rates for completing a safety course, bundling with another Progressive policy or switching from another company.
Progressive has better-than-average customer service ratings, with fewer complaints than an average company its size.
The biggest drawback of Progressive is that you can't get rental car reimbursement from the company. So if your car is in the shop, you'll have to pay for a rental yourself.
Best for touring: Markel
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Editor rating
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Monthly rate
$36 ?
Pros and cons
Markel is the best choice for Missouri riders who use their motorcycle for long trips.
That's because Markel offers trailer coverage, trip interruption protection and rental car reimbursement. Trailer coverage protects a trailer you can tow with your bike, while trip interruption pays for meals and hotel costs if you have a breakdown or accident. Rental reimbursement will pay for a rental car while your bike is in the shop after an accident. Having a rental could be important if your motorcycle is your only vehicle.
Markel also has cheap rates, averaging $36 per month for full coverage. That's $5 per month less than the Missouri state average.
The biggest downside with Markel is that its customer service does not have a good reputation. The company gets four times as many complaints as an average company its size. That means you could have more hassle and longer waits when trying to get your bike back on the road.
Best for discounts: Harley-Davidson
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Editor rating
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Monthly rate
$42 ?
Pros and cons
Missouri riders looking to take advantage of a wide range of discounts should look into Harley-Davidson.
The company offers some of the best ways to lower its monthly rate, which at $42 is around the state average in Missouri. Some of the discounts Harley offers include:
- Homeowners discount
- Multicycle discount
- Experienced rider discount
- Harley-Davidson Riding Academy discount
- Anti-theft device discount
- New bike discount
Harley also has a wide range of extra coverage options, including protection for optional equipment and rental reimbursement. The company also has motorcycle-centric coverage, so you can be sure it has expertise in bikes.
That, however, is also part of the biggest downside with Harley-Davidson: You cannot get coverage for your home or car. This limits some of the options for a bundling discount, which can be a good way to save on your monthly rates.
Average cost of motorcycle insurance in Missouri by city
Kirksville has the cheapest rates for motorcycle coverage among Missouri's larger cities, with an average of $35 per month.
Kansas City has the most expensive rates, averaging $53 per month, just ahead of St. Louis at $51 per month.
Full coverage motorcycle insurance rates in MO by city
City | Monthly cost | % from average |
|---|---|---|
| Cape Girardeau | $37 | -10% |
| Carthage | $44 | 8% |
| Columbia | $37 | -10% |
| Hannibal | $37 | -10% |
| Independence | $43 | 6% |
Companies often charge higher rates in bigger cities that have more traffic and more car thefts.
The rates in Kansas City, the state's largest city, are 50% higher than in Kirksville, a small town in the northeastern part of the state.
Missouri motorcycle insurance requirements
Missouri drivers are required to have a minimum level of motorcycle insurance to ride on the road. Those limits are often written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000
Although you do not need to have more than those limits to drive legally, it's a very good idea to carry a higher level of coverage. If you are responsible for an accident, you could be held liable for more than those limits can cover. That would leave you to pay for some of the damage yourself.
Frequently asked questions
How much is motorcycle insurance in Missouri?
Motorcycle insurance in Missouri costs an average of $41 per month, or $492 per year, for full coverage.
Do you have to carry motorcycle insurance in Missouri?
You need to have motorcycle insurance to ride in Missouri. The
Which company has the cheapest motorcycle insurance in Missouri?
Which company has the cheapest motorcycle insurance in Missouri?
Progressive offers Missouri's cheapest motorcycle insurance. The company's average rate is $22 per month, which is 46% cheaper than the state average.
Compare motorcycle insurance in Missouri vs other states
Methodology
ValuePenguin collected more than 150 motorcycle insurance quotes from 24 of Missouri's largest cities and seven major motorcycle insurance companies to find the cheapest rates in the state. Quotes are for a 45-year-old single man with a 2018 Honda CMX500 Rebel.
Rates are for full coverage, with higher liability limits than the state requires and comprehensive and collision coverage.
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident
- Property damage liability coverage: $25,000 per accident
- Uninsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection (PIP): $50,000
- Collision and comprehensive deductible: $500
The best companies were selected based on standout features, low rates 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.