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New York’s motorcycle insurance requirements are a bit more comprehensive than other states’, which can mean increased rates. To help you find the best cheap motorcycle insurance in New York, our review team has taken a closer look at how the nation’s best motorcycle insurance companies perform in the Empire State.

While we’ve reached out for local quotes (see below), your own rates for New York motorcycle insurance may vary. The only way to find the cheapest option for you is to compare personalized quotes. Use the tool below to get a quote from several of our top recommended providers.


In this article:

5 Best Motorcycle Insurance Companies In New York

Coverage, affordability, and customer service are all important factors to consider when comparing your motorcycle insurance options. While national providers generally offer low rates and good service, these can vary from region to region.

To determine our list of the best cheap motorcycle insurance companies in New York, we considered regional satisfaction scores, local rates, and customer reviews specific to the state.

Best Cheap Motorcycle Insurance:
New York
RideApart Rating Customer Service Affordability Coverage
1. Geico Motorcycle Insurance 4.5 4.0 5.0 4.5
2. Nationwide Motorcycle Insurance 4.0 3.5 3.0 4.0
3. State Farm Motorcycle Insurance 4.5 4.5 4.0 4.0
4. Progressive Motorcycle Insurance 4.5 3.5 4.5 4.5
5. Dairyland Motorcycle Insurance 4.0 3.5 4.0 4.0

*You may notice that some motorcycle insurance companies are ranked above those with higher star ratings. This is because our star ratings take into account nationwide factors, while this ranking looks specifically at which insurance providers are best for motorcycle insurance in New York.


#1 Geico: Best Overall Motorcycle Insurance In New York

Geico is our top choice for motorcycle insurance in New York. Not only does the provider stand out by offering some of the lowest insurance rates in the area, but it also scores well in the region when it comes to customer service. Geico ranked second overall in the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM for New York with 837 out of 1,000 points. Geico also boasts an A+ rating from the Better Business Bureau (BBB).

When we reached out for a New York motorcycle insurance quote from the provider, we received the lowest offer for minimum-coverage insurance and a competitively low offer for full coverage motorcycle insurance. Plus, you can rest easy knowing that Geico will pay out claims, as the company has an AM Best financial strength score of A++, the highest possible rating.

To learn more about this insurer, read our full Geico motorcycle insurance review.

#2 Nationwide: Cheapest Motorcycle Insurance Rates In New York

While Nationwide did not score highest for affordability in our roundup of the best motorcycle insurers nationally, it did offer some of the lowest quotes for minimum-coverage motorcycle insurance in New York. Keep in mind, however, that your own insurance rates may vary.

If you are a low-risk rider (over 25 and with no crashes on your record), you’ll likely find cheap rates with Nationwide in most states, including New York. Not only is Nationwide motorcycle insurance inexpensive, but the insurer also offers a number of quality coverage options and add-ons, including coverage for custom parts and equipment as well as roadside assistance plans.

Learn more by reading our full Nationwide motorcycle insurance review.

#3 State Farm: Best Customer Service In New York

Like Geico, State Farm is one of our top-rated motorcycle insurance providers nationally. The company stands out because of its high level of customer service, extensive coverage options, and competitive pricing.

In the J.D. Power Auto Insurance Satisfaction Study for New York, State Farm ranked first with an overall score of 851 out of 1,000. State Farm is sold through local agents, so the customer service quality can vary from location to location. 

To learn more, read our full State Farm motorcycle insurance review.

#4 Progressive: Best Coverage In New York

Progressive offers some of the best cheap motorcycle insurance in New York and many other states across the country. Perhaps more importantly, this coverage is backed by a reliable claims department. Progressive has an A+ rating from the Better Business Bureau (BBB) and an A+ financial strength rating from AM Best.

Our Progressive motorcycle insurance quotes were not the lowest for minimum- or full-coverage motorcycle insurance in New York, but they were competitive. Considering Progressive’s money-saving features like accident forgiveness insurance and a disappearing deductible that are included with all policies, the insurer is a good choice for low-cost coverage options, and it may be the cheapest in the long run—especially for young motorcyclists or those with crashes on their driving record.

To learn more, read our full Progressive motorcycle insurance review.

#5 Dairyland: Best for High-Risk Riders In New York

Dairyland partners with Sentry to provide motorcycle insurance coverage for riders, and it specializes in insuring high-risk motorcyclists. Both companies have an A+ rating from the BBB and a long history of meeting customer claim obligations.

While motorcycle insurance providers specializing in high-risk riders can be more expensive, this is not necessarily the case with Dairyland. The insurer did not offer the cheapest insurance rates in our cost research, but its prices were similar to competitors’ and on par with the top motorcycle insurance companies in New York.

Learn more by reading our complete Dairyland motorcycle insurance review.

New York Motorcycle Insurance Requirements

New York is a no-fault insurance state. This means that your own insurer is responsible for paying for damages after an incident, regardless of fault. In no-fault insurance states, drivers are typically required to purchase personal injury protection (PIP) coverage as well as liability insurance. This is true in New York, where all motorcyclists are required to maintain the following minimum coverage limits:

  • $25,000 for bodily injury liability and $50,000 for death for a person involved in a crash
  • $50,000 for bodily injury liability and $100,000 for death for two or more people involved in a crash
  • $10,000 property damage liability
  • $50,000 per accident personal injury protection
  • $25,000 per person uninsured motorist coverage
  • $50,000 per accident uninsured motorist coverage

In a no-fault state, your own insurer is required to cover your medical expenses, but not your property damage expenses. This means if you are at fault for a crash, you will need collision coverage if you want your insurer to cover the damages.

Cost Of New York Motorcycle Insurance

New York is one of the most expensive states for motorcycle insurance. If you are an experienced, low-risk rider, it is possible to find cheap motorcycle insurance coverage, but be aware that your rates are likely to be higher than in other states.

Motorcycle insurance policy rates also vary from person to person, and are based on the following factors:

  • Age
  • Gender
  • Riding history
  • Driving record
  • Type of bike
  • City
  • Marital status

To give you an idea of the cost of New York motorcycle insurance, we reached out for insurance policy quotes from several providers in the area. The tables below show quotes for a 30-year-old single male rider with five years of experience and no recent incidents. The bike used for quotes is a 2020 Harley-Davidson FLHX Street Glide, which has a 1,750cc engine.

Minimum Coverage
Provider Monthly Cost Down Payment Annual Cost
Geico $21.83 $21.83 $261.96
Nationwide $25.30 $25.30 $303.60
Progressive $24.73 $46.05 $318.00
Markel - - $322.00
Allstate $42.00 $47.00 $509.00
Dairyland $43.45 $41.43 $519.38
Harley-Davidson $46.60 $44.58 $557.18
State-Required Coverage Plus Comprehensive and Collision Policies ($500 Deductible)
Provider Monthly Cost Down Payment Annual Cost
Nationwide $96.38 $96.38 $1,156.56
Geico $110.67 $110.62 $1,327.99
Progressive $108.57 $208.80 $1,403.00
Dairyland $131.34 $129.29 $1,574.03
Markel - - $1,608.00
Harley-Davidson $143.39 $141.33 $1,718.62
Allstate $156.00 $186.00 $1,902.00

What To Know About Riding In New York

Motorcyclists in New York are required to have a motorcycle license. To obtain a motorcycle license in New York, you must be at least 16 years old and complete the following requirements:

  • Pass a written permit test
  • Pass a road test

Riders can waive the road test if they instead complete an approved motorcycle rider course.

All riders are required to wear a helmet under state law. Wearing a helmet is essential to your safety as a rider, as there were 136 motorcycle deaths in New York in 2017, according to the Governors Highway Safety Association.

Final Thoughts

To ride a motorcycle in New York, you’ll need to purchase liability coverage as well as personal injury protection and uninsured motorist coverage. Based on local cost and customer ratings, we think Geico is the best cheap motorcycle insurance option in New York. However, you can also find low rates and good service with Nationwide, State Farm, Progressive, and Dairyland.

Of course, these aren’t the only New York motorcycle insurance providers. The only way to find the perfect insurance policy option for your needs is to compare quotes from multiple providers, which you can do using the tool below.


FAQ: Motorcycle Insurance In New York

Who offers the cheapest motorcycle insurance rates?

There is no single cheapest motorcycle insurance provider. However, in our cost research we found that Geico offers some of the best cheap motorcycle insurance in New York.

How much is the insurance for a motorcycle in New York?

The cost of motorcycle insurance in New York is high compared to other states. Our quotes for minimum coverage insurance ranged from $21 to $46 a month, but your own rates are likely to vary depending on factors such as your age, gender, driving record, riding experience, and bike.

How do I get cheap motorcycle insurance?

The cheapest motorcycle insurance is offered to experienced riders with clean driving records. To find the lowest price insurance for you, you’ll need to compare offers from multiple insurers.

Are older motorcycles cheaper to insure?

Older motorcycles can be cheaper to insure, but not always. It depends on the particular bike. Older bikes may not be as fast or as valuable, making them safer and less expensive to cover for collision and comprehensive coverage claims. If you own a classic motorcycle, it may be more expensive to insure if the value of the bike is high.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of motorcycle insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings, nationwide availability, and customer-first business practices receive the highest scores in this category.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost: Our research team reviews motorcycle insurance quotes for a variety of drivers in every state. Companies with lower prices and many motorcycle insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts.