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Motorcyclists in Vermont are required to carry liability insurance and uninsured motorist coverage. Those looking for the best cheap motorcycle insurance in Vermont should consider cost as well as claims service, reputation, and coverage options.

There is no single best motorcycle insurance company for every rider. Motorcycle insurance rates depend on several factors such as your riding experience, bike, age, and more. We recommend several of our top picks for Vermont below, but you’ll need to compare personalized quotes from multiple insurers to find the cheapest coverage. 


In this article:

5 Best Motorcycle Insurance Companies In Vermont

While Vermont is one of the cheapest states for motorcycle insurance, that doesn’t mean you shouldn’t look for a low-cost provider and secure the lowest premium possible. You’ll also want to balance cost with service, as a cheap motorcycle insurance policy does you little good if you cannot reliably file a claim.

The table below outlines our top five picks for motorcycle insurance providers in Vermont based on our provider ratings, local cost data, and customer service.

Best Cheap Motorcycle Insurance in Vermont RideApart Rating Customer Service Affordability Coverage
1. Allstate Motorcycle Insurance 4.0 4.0 3.0 4.0
2. Dairyland Motorcycle Insurance 4.0 3.5 4.0 4.0
3. Amica Mutual Motorcycle Insurance 4.0 4.5 4.0 4.0
4. Geico Motorcycle Insurance 4.5 4.0 5.0 4.5
5. State Farm Motorcycle Insurance 4.5 4.5 4.0 4.0

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

#1 Allstate: Best Overall Motorcycle Insurance Provider In Vermont

Better Business Bureau (BBB) Rating: A+
AM Best Financial Strength Rating: A+

In our cost research, Allstate offered the lowest quotes for minimum-coverage motorcycle insurance in Vermont. The provider also offered low rates for full coverage insurance that included comprehensive and collision policies with a $500 deductible.

While rates with Allstate can be expensive for some riders, those with a clean driving record can find competitive prices. In addition to standard motorcycle insurance policies, Allstate customers can also purchase the following add-ons:

  • Rental reimbursement: This covers the cost of a rental if your bike is stolen or in the shop for repairs after an accident.
  • Transport trailer coverage: This provides coverage for damage to trailers and motorcycles.
  • Guaranteed asset protection (GAP) insurance: If your bike is totaled or stolen, this coverage pays the difference between your bike’s actual cash value and the payments you still owe.
  • Rider protection package: This add-on insurance option provides death and dismemberment coverage as well as cash benefits to your family in the event of a fatal accident.
  • Equipment coverage: All policies include $1,000 worth of equipment coverage, but this can be increased up to $30,000.
  • Towing and labor: This provides reimbursement for towing and labor costs if your bike breaks down or you get in an accident. 
  • New motorcycle extended protection coverage: This coverage pays for a new bike if yours is totaled in an accident.
  • First accident waiver: Allstate guarantees that your premium will not increase after the first accident. This is included for eligible riders with all policies at no additional cost.

Learn more by reading our full Allstate motorcycle insurance review.

#2 Dairyland: Cheap Full Coverage Motorcycle Insurance In Vermont

BBB Rating: A+
AM Best Financial Strength Rating: A+

Dairyland has some of the lowest rates for full coverage motorcycle insurance in Vermont. The Wisconsin-based insurer began by specializing in car insurance for high-risk drivers, so it may be a good option for those with a recent accident or DUI on their record.

In our Dairyland motorcycle insurance review, we rated the provider 4.0 out of 5.0 stars because of its generally low rates and good industry reputation. The insurer fielded fewer than 30 BBB complaints in the past year and took the time to address the complaints it did receive.

In addition to standard motorcycle insurance coverage, Dairyland sells add-on policies for:

  • Special equipment coverage
  • Guest passenger liability coverage
  • Genuine replacement parts guarantee

#3 Amica Mutual: Best Local Service In Vermont

BBB Rating: A+
AM Best Financial Strength Rating: A+

Amica Mutual focuses on quality customer service and it succeeds in Vermont on that front. 

In the J.D. Power 2021 U.S. Auto Insurance Study℠ for the New England region (including Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont), Amica Mutual came in first place overall, scoring 867 out of 1,000 possible points.

Amica Mutual does not offer much additional coverage beyond standard motorcycle insurance policies (liability coverage, comprehensive coverage, collision coverage, uninsured motorist coverage, and medical payments). However, motorcyclists can take advantage of several discounts that the company provides.

#4 Geico: Best Personalized Coverage In Vermont

BBB Rating: A+
AM Best Financial Strength Rating: A++

While it didn’t rank quite as highly as Amica Mutual, Geico also performed well in the J.D. Power U.S. Auto Insurance Study for New England. The insurer came in third place with a score of 841 out of 1,000. While Geico did not offer the lowest rates for Vermont riders among the insurers we surveyed, policy costs were competitive for minimum and full coverage policies.

Geico offers standard motorcycle insurance coverage and high coverage limits for expensive bikes. The company’s excellent financial positioning means it can meet customer claims obligations and insure expensive bikes. Other motorcycle insurance policy options from Geico include:

  • Accessories coverage
  • Helmet coverage
  • Towing and labor coverage

Learn more by reading our full Geico motorcycle insurance review.

#5 State Farm: Best Local Agents In Vermont

BBB Rating: Not rated
AM Best Financial Strength Rating: A++

By operating through a network of local, independent agents, State Farm can tailor its customer experience regionally, allowing local professionals to match customers with the best policy options for their city and state. This also means that State Farm service can vary depending on your agent.

In the J.D. Power U.S. Auto Insurance Study for New England, State Farm placed second overall with 855 out of 1,00 possible points.

Like Geico, State Farm is a large insurer offering every standard motorcycle insurance option and high policy limits. Other State Farm motorcycle insurance coverage options include:

  • Trip interruption expenses
  • Emergency roadside assistance coverage
  • Protection for sidecars and protective gear

You can insure any type of bike with State Farm, including classic motorbikes, scooters, mini bikes, trikes, and custom-built motorcycles. Learn more by reading our full State Farm motorcycle insurance review.

Vermont Motorcycle Insurance Requirements

Vermont motorcyclists are required to have both liability motorcycle insurance and uninsured motorist coverage. State minimum policy limits are as follows:

  • $25,000 per person bodily injury liability
  • $50,000 per accident bodily injury liability
  • $10,000 per accident property damage liability
  • $50,000 per person bodily injury uninsured motorist coverage
  • $100,000 per accident bodily injury uninsured motorist coverage
  • $10,000 per accident property damage uninsured motorist coverage

Vermont is an at-fault insurance state. If you cause an accident, your liability insurance policy covers the cost of damages for the other driver. Uninsured motorist coverage is used to pay for damages to your vehicle and medical expenses after an accident where the other driver is at fault but does not have insurance coverage.

If you are caught riding without insurance in Vermont, you will be required to pay a fine and receive points on your license, increasing the cost of motorcycle insurance in the future. If you are fined for riding uninsured, you will also be required to file proof of financial responsibility with the Vermont Department of Motor Vehicles.

Cost Of Vermont Insurance

Vermont is one of the cheapest states for motorcycle insurance in the country. However, your rates will vary from city to city. Insurers will also set rates based on the coverage level you choose and factors such as:

  • Age
  • Gender
  • Marital status
  • Bike
  • Riding experience
  • Driving history

We reached out for several sample motorcycle insurance quotes from major providers in the area to give you an idea of cost and compare providers’ rates. Keep in mind that your own rates and cheapest providers may differ depending on the cost factors mentioned above.

The quotes in the tables below were given for a 41-year old rider with six years of motorcycle experience. The bike covered is a 2018 Honda CB300F, which has a 286cc engine. This type of bike is relatively inexpensive to insure, and you are likely to find higher rates with a larger bike or a sports bike. Touring-style bikes are typically the cheapest to insure.

Vermont Minimum Coverage Motorcycle Insurance

The minimum coverage policy quoted in the table below includes the Vermont state-minimum required motorcycle insurance with no add-ons.

Motorcycle Insurance Provider Monthly Cost Down Payment Annual Cost
Allstate $10.00 $14.00 $124.00
Markel - - $125.00
Dairyland - - $137.68
Nationwide $11.69 $11.69 $140.28
Geico $17.29 $17.29 $147.48
Progressive $27.00 $14.91 $154.00
Harley-Davidson $16.81 $14.81 $199.72

Vermont Full Coverage Motorcycle Insurance

For our cost research, a full coverage policy included the state minimum liability and uninsured motorist coverage as well as $2,000 coverage for medical payments and comprehensive and collision policies with a $500 deductible.

Not every insurer listed below offered $2,000 medical payments policies. The quoted policies for Progressive, Allstate, Nationwide, and Markel included $2,500 medical payments coverage.

Motorcycle Insurance Provider Monthly Cost Down Payment Annual Cost
Dairyland - - $204.76
Allstate $18.00 $31.00 $229.00
Harley-Davidson $26.41 $24.40 $314.91
Geico $38.09 $38.08 $397.09
Progressive $68.40 $36.24 $467.00
Nationwide $42.92 $42.92 $515.04
Markel - - $519.00

Dairyland and Markel did not offer monthly payment options in their online quote tool, though these may be available. Most insurers offer discounts for pay-in-full policies, so a monthly insurance plan with Dairyland or Markel will likely cost more than the quote listed above.

What To Know About Riding In Vermont

All Vermont riders are required to have a motorcycle endorsement on their license before operating on public roads. You can obtain a motorcycle endorsement by passing a knowledge exam and a skills test.

You can get a motorcycle learner’s permit in Vermont if you are 16 or older. Riders have the option to complete a four-hour Vermont Motorcycle Awareness Program (VMAP) instead of the motorcycle learner permit test.

Those who have a learners permit and not a full endorsement are subject to the following restrictions:

  • Daylight hours only
  • No passengers
  • Vermont only
  • Valid for 120 days, renewable twice

The state also offers the Vermont Rider Education Program (VREP), which trains unlicensed motorcyclists.

All motorcyclists are required to wear a helmet while riding. Be aware that many moose and deer share Vermont roadways and can be a serious safety concern for motorists. A full-speed collision with a stationary adult moose is likely to result in rider death.

Final Thoughts

Based on regional satisfaction surveys and our quote research, we think Allstate, Dairyland, Amica, Geico, and State Farm are the best cheap motorcycle insurers in the Green Mountain State. Those who intend on motorcycling in Vermont are required to have a motorcycle license and liability and uninsured motorist insurance coverage.

If you’re trying to find the best cheap motorcycle insurance in Vermont, you’ll need to compare quotes yourself as insurance costs are highly individualized. Our recommendations are a good starting point, but the only way to find your cheapest option is to compare rates for yourself.


FAQ: Motorcycle Insurance In Vermont

Who offers the cheapest motorcycle insurance in Vermont?

Our research found that Allstate, Markel, Dairyland, and Geico are the cheapest motorcycle insurance options in Vermont. However, there is no single cheapest insurer in any state. Costs depend on several factors, including your age, gender, riding experience, and driving history.

Is motorcycle insurance required in Vermont?

Both liability coverage and uninsured motorist motorcycle insurance are required in Vermont. All riders must maintain the following minimum coverage limits:

  • $25,000 per person bodily injury liability
  • $50,000 per accident bodily injury liability
  • $10,000 per accident property damage liability
  • $50,000 per person bodily injury uninsured motorist coverage
  • $100,000 per accident bodily injury uninsured motorist coverage
  • $10,000 per accident property damage uninsured motorist coverage

How do I get cheap motorcycle insurance?

If you’re trying to find cheap motorcycle insurance, you’ll need to shop around and compare rates from several providers. You can generally lower your insurance costs by choosing a touring bike, joining a motorcycle owner’s association, or completing a state-approved motorcycle safety course.

Who offers the best motorcycle insurance?

We think the best motorcycle insurance providers in Vermont are Allstate, Dairyland, Amica Mutual, Geico, and State Farm. The best insurer overall depends on your particular bike and your needs.


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.