Best and Cheapest Motorcycle Insurance in New Hampshire
Progressive offers the best cheap motorcycle insurance in New Hampshire at $17 per month, on average.
Compare Motorcycle Quotes in New Hampshire
Best cheap motorcycle insurance in New Hampshire
ValuePenguin collected more than 200 quotes from seven companies across 30 of the largest cities in NH to help you find the cheapest coverage in the state.
Our experts used customer service, cost and coverage availability to rate the best motorcycle insurance companies in New Hampshire.
Rates are for full coverage with higher liability limits than the state minimum, collision, and comprehensive coverage. Full methodology.
Cheapest motorcycle insurance in New Hampshire
Progressive has the cheapest motorcycle insurance in New Hampshire.
Full coverage from Progressive costs an average of $17 per month, or $199 per year. The average rate in the state is $27 per month.
Compare Motorcycle Quotes in New Hampshire
Cheap motorcycle insurance quotes in NH
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $17 | |
| Geico | $23 | |
| Nationwide | $25 | |
| Markel | $28 | |
| Allstate | $32 | |
Best motorcycle insurance for most people: Progressive
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Editor rating
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Monthly rate
$17 ?
Pros and cons
Progressive has the best motorcycle coverage for most New Hampshire riders because of its low rates and good coverage options.
At $17 per month, the company has the cheapest coverage in New Hampshire. That's $10 per month less than the state average.
A standard policy from Progressive includes extra coverages other companies usually charge more for. That includes replacement cost coverage, so you'll get a better payout when your bike is damaged or totaled, plus protection for custom parts.
- Full replacement cost means wear and tear won't factor into what the company will pay to repair or replace your bike.
- Original manufacturer parts (OEM) coverage means your insurance company will pay for parts from the original manufacturer instead of cheaper after-market parts.
- Custom parts coverage includes up to $3,000 for additions like a custom seat, C/B radio or saddlebags.
Progressive has a good reputation for customer service. The company gets 35% fewer customer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC). That's a sign that customers are typically happy with their service.
One drawback is that Progressive doesn't offer rental reimbursement after an accident and protection for your bike while you're towing it. This means if your bike is your main vehicle, Progressive might not have all the coverage you're looking for.
Best for customer service: Nationwide
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Editor rating
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Monthly rate
$25 ?
Pros and cons
If you put a premium on strong customer service, Nationwide is a good option for riders in New Hampshire. It gets less than half the complaints of an average insurance company its size, according to the NAIC.
Nationwide's low number of complaints points to customers being satisfied with their experience.
Nationwide also boasts cheaper than average rates in the state, charging $25 per month on average. Customers can also take advantage of its many discount opportunities to get even lower rates.
- Multipolicy, for drivers who also purchase home, vehicle or life insurance from Nationwide
- Multivehicle, for policyholders who also insure a vehicle, boat, all-terrain vehicle (ATV), snowmobile or scooter
- Motorcycle safety course, if you complete a safety course approved by Nationwide
- Theft-recovery device, enabling you to earn a discount on comprehensive if your motorcycle has a radio or GPS theft-recovery system
- Homeowner, for those who own a home, condo, mobile home or townhouse — even if you don't insure it with Nationwide
- Paid in full, for policyholders who pay their entire premium up front
- Anti-lock brakes, for riders who have anti-lock brakes installed
- Riding association, for members of a riding association like the Harley Owners Group
Nationwide’s biggest drawback is that it has a relatively small number of extra coverage options. However, it still offers a few key ways you can add to your policy:
- Custom equipment, which covers damage to any additional equipment you've installed on your vehicle
- Roadside assistance and trip interruption, which pays for expenses that result from an interrupted trip more than 100 miles away from your home
- Original equipment manufacturer (OEM) parts coverage, which guarantees that repairs to your motorcycle are done with equipment made by the original manufacturer
Best for daily riders: Markel
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Editor rating
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Monthly rate
$28 ?
Pros and cons
Markel is a top option for daily riders in New Hampshire because of its useful coverage add-ons.
Markel has rental reimbursement, breakdown coverage and roadside assistance. These are crucial if your motorcycle is your only way to get around.
- Roadside assistance will pay for towing at any time of the day.
- Rental reimbursement pays for rental after an accident if your motorcycle is in the shop.
Markel also offers a range of other coverage options, including trailer coverage, funeral expense coverage and protection for accessories like saddlebags and other equipment.
Markel's rates are slightly more expensive than average in New Hampshire. At $28 per month, the price is about 2% more than the state average. You can lower rates with discounts for things like being a safe driver or having anti-theft devices on your bike.
Another downside of Markel is its poor customer service. The company receives more than four times as many complaints as an average company its size, according to the NAIC.
New Hampshire motorcycle insurance cost by city
Manchester, the largest city in New Hampshire, has the most expensive motorcycle insurance in the state, at $32 per month.
Several cities, including Berlin, Conway, Hanover, Keene and Laconia have the cheapest coverage, at $25 per month. Rates tend to be higher in more densely populated places, but in smaller states, the differences between the cheapest and most expensive cities tend to be smaller.
City | Monthly cost | % from average |
|---|---|---|
| Amherst | $29 | 7% |
| Bedford | $29 | 8% |
| Berlin | $25 | -8% |
| Claremont | $26 | -4% |
| Concord | $26 | -4% |
Iowa motorcycle insurance laws
Unlike most other states, New Hampshire does not require riders to have motorcycle insurance. It’s still usually a good idea to have insurance so that you’re protected if an accident happens. If you decide to get insurance, it will need to meet the state's minimum limits, often written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
Frequently asked questions
How much is motorcycle insurance in New Hampshire?
In New Hampshire, the average cost of motorcycle insurance is $27 per month. That's the 16th-cheapest state in the country, 19% cheaper than the national average.
Do you need insurance on a motorcycle in New Hampshire?
No, you are not required to have motorcycle insurance in New Hampshire. However, if you do get coverage, you need at least $25,000 of bodily injury liability insurance per person, $50,000 per accident, and $25,000 of property damage liability.
What is the best motorcycle insurance in New Hampshire?
Progressive is the best option for motorcycle insurance in New Hampshire. The company has the lowest rates and a wide range of coverage options.
Compare motorcycle insurance in New Hampshire vs other states
Methodology
ValuePenguin found average rates by collecting motorcycle insurance quotes from seven major motorcycle insurance companies across 30 cities and towns in New Hampshire. Rates are for a 45-year-old single man with a 2018 Honda CMX500 Rebel.
Quotes are for full coverage policies. They include more liability coverage than the state requirements and 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
Top companies were selected using rates, coverage options, customer service metrics and other factors.
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.