The Best Cheap Motorcycle Insurance in Nevada
Dairyland has the best cheap motorcycle insurance in Nevada, at $20 per month. That's about half the state average.
Compare Motorcycle Insurance Quotes in Nevada
Best cheap motorcycle insurance in Nevada
To identify Nevada's best cheap motorcycle insurance, ValuePenguin collected quotes from 30 large Nevada cities and seven top companies.
The best motorcycle insurance companies in Nevada were picked using a combination of cost, coverage options and customer service.
Rates are for a full coverage policy with higher liability limits than the state minimum plus comprehensive and collision coverage. Those rates were used to find the cheapest companies in NV. Full methodology.
Cheapest motorcycle insurance in Nevada
Dairyland offers Nevada's cheapest motorcycle insurance. It costs $20 per month for a full coverage policy, which is around half the cost of the state average.
Compare Motorcycle Insurance Quotes in Nevada
The average cost of Nevada motorcycle insurance is $39 per month for full coverage.
Motorcycle insurance in Nevada is 17% more expensive than the national average for motorcycle insurance, which is $33 per month.
Cheapest motorcycle insurance in Nevada
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $20 | |
| Harley-Davidson | $29 | |
| Progressive | $30 | |
| Allstate | $30 | |
| Markel | $34 | |
Best motorcycle insurance for most people: Harley-Davidson
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Editor rating
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Monthly rate
$29 ?
Pros and cons
Harley-Davidson is the best motorcycle insurance company for most riders in Nevada.
With an average rate of $29 per month, Harley-Davidson is $10 cheaper per month than the state average. You can also lower rates even more with Harley-Davidson's long list of discounts.
You can also add some helpful coverages, such as rental reimbursement or replacement cost coverage.
Rental reimbursement will pay for another vehicle if your bike is in the shop. Replacement cost coverage means your insurance payouts won't factor in wear and tear.
Harley-Davidson receives relatively few complaints for its coverage, so it likely has a good customer experience. The biggest downside of the company is that it doesn't offer other types of insurance. You'll have to buy coverage for your car and home from another company.
Best for low rates in NV: Dairyland
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Editor rating
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Monthly rate
$20 ?
Pros and cons
Dairyland has the cheapest rates in Nevada.
The average price of a policy is $20 per month, which is around half the state average and $9 per month less expensive than the second-cheapest company.
Dairyland offers rental reimbursement and roadside assistance, which can be valuable if your bike is your main vehicle.
- Rental reimbursement pays for a rental vehicle for up to 30 days when your bike is in the shop.
- Roadside assistance comes with service for battery issues, a flat tire or mechanical problems, as well as 24/7 towing.
One drawback of Dairyland is its customer service. Customers tend to make more complaints than average, which means there can be issues with the company's service, including with the claims process.
Best for complete coverage: Progressive
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Editor rating
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Monthly rate
$30 ?
Pros and cons
Progressive has the best motorcycle insurance for Nevada riders who want to add more coverage to their policies. A standard motorcycle insurance policy from Progressive includes replacement cost coverage and $3,000 of custom parts protection at no additional cost.
Additionally, you could further add to your motorcycle insurance with a variety of extras offered by Progressive, including:
- Original equipment manufacturer (OEM) parts coverage
- Total loss protection for motorcycles less than 1 year old, or 2 years old upon renewal
- Roadside assistance, including $500 for food and other expenses if you break down
- Enhanced injury protection that pays $250 per week for up to two years if you're injured on your bike
- Up to $25,000 to your family if you're killed as the result of an accident
However, you cannot get rental reimbursements.
The average cost of motorcycle insurance from Progressive is $30 per month. Progressive offers a wide range of discounts, including those for making automatic payments, being a safe driver and simply having a motorcycle license.
Nevada motorcycle insurance: Costs by city
The most expensive cities in Nevada for motorcycle insurance are Las Vegas, Whitney and Winchester, where coverage costs an average of $49 per month.
On the other hand, Carson City and Incline Village are the least expensive cities in the state for motorcycle insurance, at $35 per month.
Full coverage motorcycle insurance rates in NV by city
City | Monthly cost | % from average |
|---|---|---|
| Battle Mountain | $36 | -9% |
| Boulder City | $42 | 8% |
| Caliente | $37 | -6% |
| Carson City | $35 | -10% |
| Dayton | $37 | -6% |
Nevada motorcycle insurance requirements
Nevada requires owners and operators of motorcycles to carry liability insurance. Failing to purchase motorcycle insurance can result in fines of at least $250 for a first offense, but you could be fined over $1,000 depending on how long you go without insurance.
Nevada's motorcycle insurance requirements match its car insurance requirements.
Coverage type | Legally required minimum |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $20,000 |
Unlike with other automobiles in Nevada, you don't have to pass an emissions inspection to drive your motorcycle.
Compare motorcycle insurance in Nevada vs other states
Methodology
We collected more than 200 quotes from seven top insurance companies across 30 of the largest cities throughout Nevada to find the best cheap motorcycle insurance in the state. Quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy with higher liability limits than the state requires, as well as 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
ValuePenguin experts consider several factors to rate Nevada's best motorcycle insurance companies.
- Cost: The rates a typical shopper may pay for motorcycle insurance in Nevada.
- Coverage options: Which coverages each company offers.
- Customer service: How well companies are matching the expectations of customers relative to each other.
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.