Who Has the Cheapest Motorcycle Insurance in Rhode Island?
Dairyland has the best cheap motorcycle insurance in Rhode Island, at $22 per month for full coverage.
Harley-Davidson, however, is a better choice for most people. Although Harley-Davidson is slightly more expensive, its wide range of discounts, customizable coverage and strong customer satisfaction reputation make it the best choice for motorcycle insurance in Rhode Island.
Compare Motorcycle Insurance Quotes in Rhode Island
Best cheap RI motorcycle insurance
ValuePenguin used quotes from seven top companies across 26 of the largest cities in Rhode Island to help you find the best cheap motorcycle insurance in RI.
Our experts ranked the best motorcycle insurance companies in Rhode Island 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 the full methodology.
The cheapest motorcycle insurance companies in Rhode Island
In Rhode Island, Dairyland sells the cheapest motorcycle insurance, with an average cost of $22 per month. That's 35% cheaper than the RI state average of $34 per month.
Compare Motorcycle Insurance Quotes in Rhode Island
Cheapest motorcycle insurance companies in Rhode Island
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $22 | |
| Progressive | $23 | |
| Harley-Davidson | $27 | |
| Markel | $34 | |
| Geico | $42 | |
Best motorcycle insurance for most people: Harley-Davidson
-
Editor rating
-
Monthly rate
$27 ?
Pros and cons
Harley-Davidson has the best motorcycle insurance for most people in Rhode Island.
Harley-Davidson discounts
Harley-Davidson has a wide range of discounts that can lower your monthly rate.
- New bike
- Motorcycle endorsement
- Bundled protection
- Loyalty (renewal)
- Multicycle
- Experienced rider
- Homeowners
- Pay on time
- Accident-free renewal
- Anti-theft device
- Military/law enforcement
- Harley Owners Group (H.O.G.) member
- H-D Riding Academy course completion
On average, a Harley-Davidson policy in Rhode Island costs $27 per month, which is the third-lowest rate in the state. It's also comfortably below the state average of $34 per month.
Harley-Davidson gets significantly fewer complaints from its customers compared to an average insurance company of the same size, according to the National Association of Insurance Commissioners (NAIC).
This signals a high satisfaction rate among Harley-Davidson customers.
Unlike many other major motorcycle insurance companies, Harley-Davidson doesn't offer an auto-motorcycle bundling discount. If you already have an auto insurance policy through a different company, you may get a better deal by bundling your motorcycle and auto policies together.
Best for cheap coverage: Dairyland
-
Editor rating
-
Monthly rate
$22 ?
Pros and cons
Dairyland stands out for selling the cheapest motorcycle insurance in Rhode Island. You can save 35%, or $12 per month, compared to the state average with Dairyland.
In addition to its already low rates, Dairyland offers its customers a range of different discounts that can lower your costs even more.
- 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
You can also customize your Dairyland motorcycle coverage with optional coverage features, such as roadside assistance and total loss replacement. Dairyland will also pay to repair improvements or upgrades that you made to your motorcycle if you buy extra coverage.
Dairyland gets over two and a half times as many complaints as an average insurance company its size. That makes it a poor motorcycle insurance company in Rhode Island for customer satisfaction.
If speedy claim service and customer satisfaction are high priorities for you, it might make more sense to go with a higher-priced alternative like Harley-Davidson or Progressive.
Best for customizable coverage: Progressive
-
Editor rating
-
Monthly rate
$23 ?
Pros and cons
Progressive offers more coverage than most motorcycle insurance companies with its basic policies. In addition, it has some of the most expansive motorcycle insurance coverage options available in Rhode Island. These include options that let you get the full cost of your motorcycle if it's damaged in an accident and coverage for parts not included under an ordinary policy.
Progressive also lets you protect your personal belongings such as cellphones and watches with carried contents coverage. In addition, Progressive offers roadside assistance, enhanced injury coverage and accident forgiveness.
In addition, Progressive has the second cheapest rates in Rhode Island. On average, a Progressive policy costs just $1 per month more than a Dairyland plan. You can lower your monthly rate further by taking advantage of a wide set of motorcycle insurance discounts.
Progressive also gets significantly fewer customer complaints than Dairyland when adjusted for company size. That makes Progressive a good choice for price-conscious consumers who don't want to sacrifice customer service for a low rate.
Rhode Island motorcycle insurance: Costs by city
Pascoag has the cheapest motorcycle insurance among Rhode Island's larger cities. It costs $31 per month or 10% less than the state average.
Central Falls, Pawtucket and Providence have the most expensive rates in Rhode Island, with an average monthly cost of $39.
Statewide, motorcycle insurance costs only differ by $8 per month. That means where you live won't greatly impact your insurance costs, in part because the state is so small.
Price differences between cities and neighborhoods are caused by factors like theft, traffic and accidents.
Average motorcycle insurance cost in RI by city
City | Monthly cost | % from average |
|---|---|---|
| Barrington | $38 | 10% |
| Bristol | $33 | -4% |
| Central Falls | $39 | 13% |
| Cranston | $38 | 9% |
| Cumberland | $37 | 7% |
Rhode Island motorcycle insurance requirements
In Rhode Island, you must have at least $25,000 worth of bodily injury liability coverage per person and $50,000 per accident to legally ride your motorcycle on public roads. You also need at least $25,000 worth of property damage coverage.
You might see this written as 25/50/25 coverage.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
It's a good idea to buy more than the minimum level of state-mandated coverage. That's because you have to pay for anything above what your insurance will cover.
For example, if you cause $35,000 worth of damage to a car and your insurance only pays $25,000 per accident, then you would be responsible for the remaining $10,000. But, if you had a policy that covered up to $50,000 in damage, then you would only have to pay your deductible.
In addition to paying for higher liability limits, you should also consider buying comprehensive and collision coverage, also known as full coverage, which pays for damage to your motorcycle.
Rhode Island motorcycle license rules
Rhode Island requires that you get a special permit before you can ride a motorcycle. After 30 days, you can convert it to a motorcycle endorsement on your driver's license. The permit lasts for 18 months, meaning you have 17 months to convert it.
You also have to complete a motorcycle safety course through the Community College of Rhode Island to get your motorcycle endorsement.
It's possible to transfer an out-of-state motorcycle endorsement in Rhode Island.
Rhode Island requires you to get different licenses for two- and three-wheeled vehicles. If you would like to operate both a motorcycle and a three-wheeler, then you must complete two separate courses.
In Rhode Island, you do not need a special endorsement, license or permit to operate a scooter or moped.
Frequently asked questions
Who has the best motorcycle insurance in Rhode Island?
Harley-Davidson has the best motorcycle insurance in Rhode Island because of its cheap rates and high levels of customer satisfaction. A Harley-Davidson full coverage policy is $27 per month, which is $7 per month cheaper than the Rhode Island state average.
You can lower your monthly rate even further if you qualify for one of Harley-Davidson's many motorcycle insurance discounts.
How do you lower the cost of motorcycle insurance?
Many companies offer discounts that let you lower the cost of motorcycle insurance. Common discounts include homeowners, multiline, safety course completion, loyalty and Harley Owners Group (H.O.G.) membership.
Does Rhode Island require motorcycle insurance?
Yes, you must have insurance before you can legally ride a motorcycle in Rhode Island. Rhode Island requires that you have at least 25/50/25 minimum liability coverage. {"content":"$25,000 per person for injuries, $50,000 for total injury cost per accident and $25,000 per accident for property damage","icon":"","label":"","triggerText":"25\/50\/25 minimum liability coverage."}
It's a good idea to opt for full coverage instead of the state minimum limits since it will pay for damage to your bike and give you more protection if someone is hurt in the crash.
Compare motorcycle insurance in Rhode Island vs other states
Methodology
To find the best cheap motorcycle insurance in Rhode Island, 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 RI 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.