Advertiser Disclosure

The best cheap motorcycle insurance providers in Maryland offer competitive pricing, extensive coverage options, and high-quality claims service. Hitting the road without motorcycle insurance in Maryland can result in a fine, license suspension, or even jail time, so it’s important to find the right insurance coverage.

While our review team has ranked the best motorcycle insurance companies nationally based on the criteria mentioned above, insurance cost and service can vary from state to state. Price also varies from rider to rider, so while our recommendations are a good starting point, the only way to find the cheapest coverage for you is to reach out for individualized quotes.

 

In this article:

5 Best Motorcycle Insurance Companies In Maryland

To determine the best cheap motorcycle insurance companies in Maryland, we considered local quotes and regional satisfaction scores. Our recommendations are also based on national reputation, coverage options, and claims servicing. Our top choice for Maryland motorcycle insurance is Geico.

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

#1 Geico: Best Cheap Motorcycle Insurance In Maryland

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

Geico offers the lowest minimum coverage motorcycle insurance in a lot of states and for many types of riders. When we reached out for motorcycle insurance quotes specific to Maryland, we fielded the cheapest offer from Geico at just over $100 per year.

In addition to having the cheapest motorcycle insurance rates in Maryland, Geico also has well-regarded customer service and a strong claims process. In the J.D. Power 2021 U.S. Auto Insurance StudySM for the Mid-Atlantic region (including Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania, Virginia, and West Virginia), Geico placed fifth overall with 835 out of 1,000 possible points.

Geico also has extensive coverage options with high policy limits. Motorcyclists can purchase the following types of insurance products through Geico:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments
  • Uninsured/underinsured motorist coverage
  • Accessories coverage
  • Towing and labor coverage

Learn more by reading our full Geico motorcycle insurance review.


#2 Allstate: Cheap Full Coverage Motorcycle Insurance In Maryland

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

Allstate offers low-cost motorcycle insurance coverage for minimum and full coverage policies. In our quote research, Allstate was one of the cheapest motorcycle insurance providers in Maryland for low-risk riders looking for full coverage policies. Of course, your own rates may vary depending on your driving history, policy needs, motorcycle, and more.

You can save money with Allstate if you switch from another provider, complete a motorcycle safety course, or belong to a motorcycle rider organization like Harley Owners Group (H.O.G.).

Allstate offers the following coverage in addition to standard motorcycle insurance policies:

  • Equipment coverage: All motorcycle insurance policies include up to $1,000 worth of equipment coverage, which can be increased up to $30,000.
  • Towing and labor: This add-on coverage option provides reimbursement for towing and labor costs if your motorcycle breaks down or you get in an accident.
  • Rental reimbursement: This insurance option covers rental costs if your bike is stolen or in the shop for repairs after an accident.
  • Motorcycle and off-road vehicle transport trailer coverage: This covers damage and loss of your trailer and motorcycle resulting from a collision or rollover.
  • 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 package provides death and dismemberment coverage as well as cash benefits to your family in the event of a fatal accident.
  • New motorcycle extended protection coverage: This pays for a new bike if yours is totaled in an accident.
  • First accident waiver: If you are an eligible rider, your insurance premium will not increase after your first accident. This applies to all policies at no additional cost.

Find out more by reading our full Allstate motorcycle insurance review.


#3 State Farm: Best Local Service In Maryland

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

While State Farm quotes are not readily available without contacting a local insurance agent, prices tend to be competitive, though not the lowest in most places. However, this is made up for by State Farm’s high level of customer service. In the J.D. Power U.S. Auto Insurance Study for the Mid-Atlantic region, State Farm placed third overall, with 851 points.

With State Farm, you can purchase coverage for motor scooters, classic motorbikes, mini mikes, trikes, and custom-built motorcycles. Policy limits are high, and in addition to basic coverage options, State Farm offers:

  • Sidecar coverage
  • Protective gear coverage
  • Emergency roadside assistance coverage
  • Trip interruption expenses coverage

Discover more by reading our full State Farm motorcycle insurance review.


#4 Dairyland Insurance: Best For High-Risk Riders In Maryland

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

Dairyland Insurance isn’t the cheapest motorcycle insurer in Maryland for minimum coverage, but it is one of the most affordable providers for those looking for full coverage motorcycle insurance. If you have an expensive bike and want to make sure repairs are covered after an at-fault accident, consider a policy with Dairyland.

The Wisconsin-based insurer began by specializing in car insurance coverage for high-risk drivers and has grown to offer motorcycle insurance coverage. In addition to standard motorcycle insurance coverage, Dairyland customers can also buy:

  • Roadside assistance coverage
  • Guest passenger liability coverage
  • Special equipment coverage
  • Physical damage plus coverage

Read our full Dairyland motorcycle insurance review for more information.


#5 Nationwide: Best Customer Service In Maryland

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

Nationwide is middle-of-the-pack when it comes to motorcycle insurance costs in Maryland. However, the national insurer offers excellent service, which is why we gave the company a 4.0- star rating out of 5.0 in our Nationwide motorcycle insurance review.

If you’re a low-risk rider (meaning you don’t have a recent accident or DUI on your driving record), it’s worth comparing quotes from Nationwide. High-risk riders might consider coverage elsewhere, as rates for these riders can be high with Nationwide.

Beyond the standard motorcycle insurance options, Nationwide also offers the following add-on coverage and policies:

  • Roadside assistance
  • Original equipment manufacturer (OEM) coverage
  • Custom equipment coverage ($3,000 is automatically included with comprehensive and collision policies)

Maryland Motorcycle Insurance Requirements

All Maryland riders are required to have motorcycle insurance. To legally operate on Maryland public roads, you must have liability insurance and uninsured motorist coverage at the following limits:

  • $30,000 per person bodily injury liability
  • $60,000 per accident bodily injury liability
  • $15,000 per accident property damage liability

The required coverage limits for uninsured motorist coverage are the same as those listed above for liability coverage. Maryland is an at-fault state, which means that the driver is responsible for filing a damage claim with their insurer.

Riding without insurance in Maryland can lead to steep penalties, including:

  • License plate and registration suspension
  • Penalty fees ($150 for the first 30 days, $7 for each day after that without coverage)

If you’re caught providing false insurance information, it can carry a fine of up to $1,000 and even up to a year in jail.


Cost Of Maryland Motorcycle Insurance

Maryland is one of the more expensive states for motorcycle insurance. Of course, rates vary from rider to rider based on several factors, including:

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

The coverage you choose and your deductible will also impact your final rates. To provide an idea of motorcycle insurance costs in Maryland, we reached out for several quotes from leading providers.

The sample rider we used for the quotes in the tables below is a 41-year-old single male with six years of riding experience and no recent accidents or DUIs (a low-risk rider). This type of rider is likely to see low rates. Younger riders or those with less experience may see higher rates.

The bike used for the quotes below is a 2018 Honda CB300F. This is a relatively small bike with a 286cc engine and, while not the cheapest type of motorcycle to insure, costs much less to insure than a sport bike.

Maryland Minimum Coverage Motorcycle Insurance

The quotes in the table below are for minimum coverage motorcycle insurance in Maryland, which includes liability and uninsured motorist coverage with the policy limits mentioned above.

Motorcycle Insurance Provider Monthly Cost Down Payment Annual Cost
Geico $15.84 $23.52 $105.21
Allstate $11.00 $10.00 $131.00
Nationwide $10.93 $10.93 $131.16
Progressive - - $139.00
Dairyland $17.42 $15.42 $207.04
Harley-Davidson $26.64 $24.63 $317.67
 

Maryland Full Coverage Motorcycle Insurance

For our full coverage motorcycle insurance quotes, we requested the minimum liability and uninsured motorist coverages as well as $2,000 in coverage for medical payments and collision and comprehensive policies with a $500 deductible.

Not every insurer offers the same policy limits. Progressive, Allstate, and Nationwide policies include $2,500 in medical payments.

Motorcycle Insurance Provider Monthly Cost Down Payment Annual Cost
Allstate $28.00 $30.00 $338.00
Dairyland $37.97 $35.96 $453.63
Progressive $46.29 $87.90 $597.00
Nationwide $49.78 $49.78 $597.36
Geico $79.89 $132.96 $727.05
Harley-Davidson $63.91 $61.89 $764.90
 

What To Know About Riding In Maryland

To ride a motorcycle in Maryland, you will need a motorcycle endorsement on your license. Riders must complete a state-approved Motorcycle Safety Program course. Alternatively, riders can pass a knowledge test, obtain a learner’s permit, and then schedule and pass a skills test. Riders under 18 must first complete the Maryland Motorcycle Safety Program Basic Rider Course.

Headgear and eye protection are required when riding a motorcycle at all times in Maryland. Failure to wear the proper safety equipment can result in a fine of up to $500.


Final Thoughts

The best cheap motorcycle insurance providers in Maryland based on our research are Geico, Allstate, State Farm, Dairyland, and Nationwide. Keep in mind that the best motorcycle insurance in Maryland or any state depends on your needs. Comparing rates from multiple motorcycle insurance companies allows you to find the cheapest provider for your situation.

 

FAQ: Motorcycle Insurance In Maryland

Who offers the cheapest motorcycle insurance in Maryland?

One of the cheapest motorcycle insurers in Maryland is Geico. However, Allstate may be the most affordable option if you are a low-risk rider looking for full coverage policies. Remember that the cheapest motorcycle insurer depends on your bike, driving record, gender, age, and policy needs.

How much does motorcycle insurance cost in Maryland?

Our review team reached out for several quotes for minimum coverage motorcycle insurance policies in Maryland, and costs ranged from $100 to $300 per year. Your own rates are likely to vary as motorcycle insurance costs depend on your bike as well as the type of policy you decide to purchase.

How much should I pay for motorcycle insurance?

The cost of your motorcycle insurance will depend on what coverage you wish to purchase, your bike, and details like your age and driving history. You can expect to pay anywhere between $100 and $1,000 per year for Maryland motorcycle insurance, depending on the above factors.


Methodology

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.