The Best Cheap Motorcycle Insurance in Washington
Dairyland has the best cheap motorcycle insurance for most riders in Washington, at $16 per month for full coverage.
Harley-Davidson and Progressive also offer prices that are cheaper than average, at $20 and $25 per month.
Compare Motorcycle Insurance Quotes in Washington
The best motorcycle insurance in Washington
To help you find the best cheap motorcycle insurance in Washington, ValuePenguin compared quotes from seven top companies across 32 of the largest cities in Washington.
We ranked the best motorcycle insurance companies in Washington based on customer service, cost and coverage availability.
To find the cheapest companies, our experts compared quotes for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. See the full methodology.
Cheapest motorcycle insurance in Washington
The cheapest motorcycle insurance in Washington is from Dairyland, which offers coverage for a monthly cost of $16. That makes Dairyland 44% cheaper than the average company in Washington.
The average cost of motorcycle insurance in Washington is $29 per month.
Motorcycle insurance in Washington costs about the same as in the rest of the country: The national average cost of motorcycle insurance is $33 per month.
Compare Motorcycle Insurance Quotes in Washington
Cheapest motorcycle insurance companies in Washington
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $16 | |
| Harley-Davidson | $20 | |
| Progressive | $25 | |
| Allstate | $26 | |
| Markel | $36 | |
Best motorcycle insurance for most people: Dairyland
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Editor rating
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Monthly rate
$16 ?
Pros and cons
Dairyland has the best motorcycle insurance for most people in Washington. Dairyland provides a variety of appealing coverage options, plus several easily attainable discounts.
The average price for motorcycle insurance with Dairyland is $16 per month in Washington. That's the best price statewide and 44% cheaper than the state's average rate.
Aside from industry-standard protections, Dairyland's motorcycle insurance allows you to add several types of coverage to your policy.
- Optional/special equipment coverage: You can purchase coverage for the difference in value between the optional equipment you add and the standard equipment it replaces.
- Original equipment manufacturer (OEM) parts: Dairyland's "physical damage plus" option means your bike will be repaired with parts from the original manufacturer.
- Roadside assistance: You can get service for a flat tire, dead battery or mechanical breakdown, plus tow service and a resupply of fuel, oil, fluid or water.
Additionally, there are a lot of ways to save money with Dairyland. You can be eligible for savings if you're part of any of the riding groups, including the Harley Owners Group, because Dairyland offers an affinity discount. You may also reduce your premium if you:
- Have multiple motorcycles insured by Dairyland
- Have been a customer for more than a year
- Complete a rider course
- Switch to Dairyland from another insurer
- Own a home
Dairyland's customer service reputation is one drawback to keep in mind. The company receives more than twice as many complaints as a typical insurance company, according to the National Association of Insurance Commissioners (NAIC).
Best for customer service: Harley-Davidson
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Editor rating
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Monthly rate
$20 ?
Pros and cons
Harley-Davidson is the best choice for riders in Washington who really want top-tier customer service. The company's customers tend to be satisfied with the service they receive, especially when filing a claim. It receives far fewer complaints than average and has great reviews from its customers.
Prices at Harley-Davidson are also competitive. It's the second-cheapest insurer in Washington, at $20 per month.
Riders will save about $9 per month with Harley-Davidson compared to an average company.
Coverage options and discounts from Harley-Davidson are solid, too. It has some options you won't find at other insurers, such as trip interruption and rental reimbursement. People who do motorcycle touring and bike commuters will find useful options here.
One key drawback of Harley-Davidson is that it doesn't offer other kinds of insurance, such as insurance for your car, house or apartment. This means that you may miss out on a bundle discount and that you'll have to manage your motorcycle policy separately from other policies.
Best motorcycle insurance for bundling: Progressive
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Editor rating
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Monthly rate
$25 ?
Pros and cons
Motorcycle riders who want to bundle all their insurance policies together should consider Progressive. The company offers dependable motorcycle insurance, plus car insurance, homeowners insurance and other types of policies.
Prices at Progressive are slightly cheaper than average. The company offers coverage at $25 per month, which is $4 less than the statewide average. But you may be able to get a lower rate by qualifying for a bundle discount, among other options.
Coverage at Progressive is impressive, especially for a company that doesn't specialize in motorcycle insurance. With a standard policy, you automatically get replacement cost coverage and $3,000 of protection for repairing your customizations, equipment and accessories. You can purchase up to $30,000 of additional coverage, too.
You also receive manufacturer-made parts coverage with a standard Progressive motorcycle insurance policy. This coverage can be used to repair any of your bike's custom parts that may have gotten damaged. If you need additional coverage, you can add several other types of protection with Progressive:
- Total loss coverage for a new bike
- Roadside assistance and trip interruption
- Carried contents and accessories coverage
- Disappearing deductible for up to 25% each year you remain claim-free — all the way to $0
- Enhanced injury protection up to $250 per week you can't work
What are Washington's motorcycle insurance laws?
Whether you live in Washington or are just riding through, it’s important to have an understanding of the state’s laws for motorcyclists. If you don’t comply with local gear, insurance and licensing regulations, you may face fines or other penalties.
Washington's motorcycle license requirements
Washington requires its motorcyclists to have an endorsement on their regular driving license if their bike can go faster than 30 miles per hour or if their engine is more powerful than 50cc. You're required to have a three-wheel endorsement if your bike has a stabilizing conversion kit or a sidecar, or if it's a trike.
In order to obtain a two-wheel motorcycle endorsement, you must successfully complete a motorcycle safety course and a riding and skills test at a state-approved training school. You can also take the tests separately, as long as you provide evidence of completion to a licensing office within 180 days. You have to be at least 16 to apply for an endorsement.
Helmet laws in Washington
You're required to wear a motorcycle helmet while driving or riding a motorcycle on roads in Washington. Helmets must be approved by the state's Department of Transportation to be legal on any public roads. Washington also requires that its motorcycle riders wear eye protection, such as goggles or a face shield, unless their bike has a windshield.
Motorcycle insurance requirements in Washington
Washington requires owners of all vehicles, including motorcycles, to purchase insurance coverage. The minimum insurance requirements are the same as for cars, but you should purchase enough insurance to cover your losses — even if it means buying more than the legally required amount of coverage.
Coverage type | Required minimum insurance |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $10,000 |
Motorcycle insurance costs: City-by-city breakdown
Seattle is the most expensive city in Washington for motorcycle insurance, at $33 per month.
That's 23% more expensive than the state average. Meanwhile, Pasco residents pay the least among major cities, at $27 per month.
The cost of motorcycle insurance changes based on where you live. You might pay more if you live in an area with high rates of motorcycle theft or poorly maintained roads that cause a lot of accidents.
City | Monthly cost | % from average |
|---|---|---|
| Bainbridge Island | $29 | -2% |
| Battle Ground | $30 | 4% |
| Bellevue | $31 | 7% |
| Bellingham | $30 | 1% |
| Bonney Lake | $33 | 11% |
Frequently asked questions
Do you need insurance on a motorcycle in Washington state?
Motorcycle drivers are required to carry liability insurance in the state of Washington. The minimum requirements are $25,000/$50,000 for injury and death to other people and $10,000 for damage to other people's property.
How much is motorcycle insurance in Washington?
In Washington, the average cost of full coverage motorcycle insurance is $29 per month. However, it's possible to find more affordable coverage by comparing quotes from multiple insurers.
Is lane splitting legal in the state of Washington?
Lane splitting is expressly forbidden by state law in Washington. Nationally, only California allows lane splitting — through a law change passed in 2016. This remains a controversial issue, and there have been multiple attempts in Washington to legalize lane splitting by motorcycles. So far, none have succeeded.
Compare motorcycle insurance in Washington vs other states
Methodology
To find the best cheap motorcycle insurance in Washington, ValuePenguin collected 238 quotes from 32 cities 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
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