Motorcycle insurance provides insurance for various aspects, such as damages caused to others, damages to your bike, and injuries. The extent of insurance may vary depending on the specific policy. Motorcycle insurance is typically required by most states. The cost of annual premiums can vary depending on factors such as the rider, motorcycle, and geographical location. These insurance rates can range from a few hundred to a few thousand dollars. So, if you currently do not have motorcycle insurance or are considering changing providers, continue reading to discover more about the best motorcycle insurance companies in Pennsylvania( PA), along with their requirements and costs.
Is Motorcycle Insurance Required in Pennsylvania?
Similar to many other states, Pennsylvania mandates that motorcyclists possess liability coverage, which provides financial protection for damages and injuries caused to others. Although the minimum required requirements can provide financial protection, it is advisable to also consider additional coverages to enhance your level of protection.
Best Motorcycle Insurance in PA
The best motorcycle insurance companies in Pennsylvania include the following:
Harley-Davidson Insurance Services is dedicated exclusively to the motorcycle insurance market. It also provides motorcycle service plans, motorcycle financing, and motorcycle parts. Harley-Davidson is highly recommended for first-time motorbike buyers due to the company’s wide range of insurance and financing choices. While Harley Davidson’s premiums are higher than those of some rivals, its coverage choices are otherwise standard fare. Pricing for basic liability coverage is competitive with the market, while more extensive policies cost more. Take advantage of deals to pay the least amount possible for your services.
Insurance premiums can be kept to a minimum with one of Harley’s many discounts. The police enforcement community, the armed forces, and skilled motorcyclists all receive special treatment. If you take the company’s driving safety course, you can save money as well. Discounts are available for both new riders and homeowners.
Progressive’s insurance includes complimentary accessory coverage, lowering deductibles with claim-free years, and a guarantee of either OEM or custom components in the case of an accident (depending on your bike). The company’s accident forgiveness policy will not affect your premiums if you are in an accident and your claim is less than $500. If you’ve been accident-free for four years, your first accident that costs more than $500 will not result in a rate increase.
Large-loss accident forgiveness is available to customers in certain states. An at-fault accident involving a claim of more than $500 will not result in a rate rise for drivers who have been accident- and violation-free for at least five years. Finally, alongside the mini and mega forgiveness plans, clients can buy additional accident forgiveness benefits. In one accident, premiums will be waived for the duration of the insurance.
Dairyland Insurance has been providing motorbike insurance to Pennsylvania residents for over 50 years. With a Dairyland policy, you may customize your motorcycle insurance by adding extras such as uninsured motorist coverage, visitor passenger liability insurance, and so on. The company also offers an initial transfer discount to new clients and a training discount to customers willing to take an authorized road safety class.
USAA provides a further reduction of Progressive’s premiums for eligible military members, veterans, and their families. Motorcycle insurance is not something the USAA provides. Instead, USAA members receive a 5% reduction off of what they would pay at Progressive, resulting in an average monthly premium of about $15. That’s much cheaper than the average premium in Pennsylvania, where Harley-Davidson is the lowest insurer. Customers who have USAA and Progressive insurance policies are generally pleased with both firms. The USAA and Progressive motorcycle insurance policies offer numerous additional savings opportunities and coverage additions.
Since no other insurer on this list will cover track riders, we had to go with Foremost as our top selection for motorcycle insurance. Track day coverage covers motorbike repairs in case of an accident while on the circuit. Foremost offers many of the same insurance policies but with an enhanced online experience and better pricing for insurance products. The company offers three levels of coverage that can be tailored to your preferences: Saver, Plus, and Elite. Coverage for protective gear like helmets and clothing varies by plan, but it’s included in all three.
Roadside assistance, including towing and trip interruption, as well as coverage for optional equipment costing more than $3,000, is included in the Plus and Elite plans. The Elite plan has a lower deductible and better rental coverage for permissive use (letting other people use your bike).
Pennsylvania Motorcycle Insurance Cost
The cost of motorcycle insurance in Pennsylvania varies based on several factors, including the model of the motorcycle, the individual’s riding record, and the chosen coverage limits, among others. The average cost of a full motorcycle insurance policy in Pennsylvania is $284 per year or $24 per month. This is 22% or $80 less than the national average of $364 per year. Pennsylvania riders typically pay a median of $100 per year or $8 per month for liability-only policies. This amount is $41 lower than the national average of $141. Although the cost is considerably lower compared to a full insurance policy, it’s important to note that opting for this option does not provide complete protection. In the event of an accident, there is still a potential risk involved.
The average policy rates in Pennsylvania were determined using the following coverages: $50,000/$100,000 personal injury coverage, $25,000 for damage to property coverage, and a $500 deductible for comprehensive policies. Additionally, it includes personal injury protection (PIP) coverage.
Pennsylvania Motorcycle Insurance Requirements
In the Commonwealth of Pennsylvania, every motorcycle owner is obligated to have an insurance policy. Similar to insurance for a regular vehicle, this kind of insurance provides protection for cyclists and anyone else who might be involved in an accident. Motorcyclists must be aware that it is necessary for them to have both motorcycle accident insurance and conventional auto insurance policies if they own a motorcycle as well as another type of vehicle. In Pennsylvania, the minimal limits for motorcycle insurance are as follows:
- Liability insurance for bodily harm: $15,000 per person, $30,000 per accident
- Liability coverage for property damage: $5,000
- Benefits for the first party: $5,000
Generally, it is important to note that the bare minimum level of insurance required in Pennsylvania is relatively low, and many individuals choose to have minimal coverage. We highly recommend that you consider increasing your motorcycle accident insurance. This will provide you with additional financial protection in the event of a crash, helping to cover medical costs, property damage, and personal expenses. It is also worth noting that Pennsylvania does not mandate individuals to possess uninsured motorist insurance. This type of insurance is not very expensive and provides significant benefits if you are involved in a crash with an uninsured individual or someone who lacks sufficient insurance to cover all of your costs.
Who Is the Cheapest for Motorcycle Insurance?
Progressive provides the most cheap minimum-liability motorcycle insurance. Geico offers the most affordable full-coverage motorcycle insurance. Companies consider several key factors when determining motorcycle insurance rates, including your age, duration of riding experience, and the type of motorcycle you own.
What Is the Minimum Motorcycle Insurance in PA?
In Pennsylvania, it is mandatory for motorcyclists to have the same insurance protection as drivers. This means that you must have liability insurance that provides a minimum of $15,000 in bodily injury coverage per person. The total bodily injury coverage per accident is $30,000. The cost of property damage per accident is $5,000.
Does PA Require Motorcycle Inspection?
In Pennsylvania, all motorcycles are required to undergo an annual inspection between the months of May and October. Motorcycle inspections are not conducted anywhere in the state from November to April.
Does Pennsylvania Require a Motorcycle License?
Certainly. A Class M license is required for all Pennsylvania residents who operate a motorcycle. In order to legally ride a motorcycle in Pennsylvania, all riders must be at least 16 years old. Also, to obtain a Class M learner’s permit or Class M license, you will have to follow the necessary steps and requirements.
Why Is It So Expensive to Insure a Motorcycle?
The more people there are, the more vehicles there are on the road. As a result, increased traffic leads to a greater likelihood of accidents occurring. Dense urban areas such as Los Angeles and San Francisco experience notably high accident rates, leading to significantly increased insurance rates for motorcyclists.
Are Older Motorcycles Cheaper to Insure?
While liability insurance premiums may be lower, it is possible that the cost of comprehensive and collision coverage could be higher. Additionally, elements like the make, model, and year have an impact on the price of the motorcycle. Insuring an older make and model that is hard to find may be more expensive compared to insuring a more common vehicle.
What Happens if You Get Caught Without a Motorcycle License in Pennsylvania?
Riding a motorcycle without the proper license can result in a fine of up to $200 and the suspension of your license.
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