Who Has The Cheapest Motorcycle Insurance In West Virginia?
Dairyland is the cheapest motorcycle insurance company in West Virginia, at $18 per month for full coverage.
Compare Motorcycle Insurance Quotes in West Virginia
Best cheap motorcycle insurance in West Virginia
Motorcycle insurance is the most common way to meet West Virginia's financial responsibility laws. But it's more than just a legal requirement. Insurance also protects you financially, both as a rider and bike owner. ValuePenguin gathered more than 200 quotes from across the state to find the top insurance companies in West Virginia.
Our experts rated the best motorcycle insurance companies in West Virginia based on cost, customer service and coverage availability.
ValuePenguin compared quotes for a full coverage policy with collision and comprehensive coverage, plus higher liability limits than the state minimum, to find the cheapest companies. See the full methodology.
Cheapest motorcycle insurance in West Virginia
The cheapest motorcycle insurance company in West Virginia is Dairyland, at $18 per month, or $221 per year, for full coverage.
That's 43% less than the West Virginia state average and $4 per month cheaper than the second-cheapest company, Harley-Davidson.
Compare Motorcycle Insurance Quotes in West Virginia
The average cost of motorcycle insurance in West Virginia is $32 per month, or $388 per year, for full coverage. That's $1 per month less than the national average of $33.
Cheap full coverage motorcycle insurance quotes in West Virginia
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $18 | |
| Harley-Davidson | $22 | |
| Progressive | $23 | |
| Geico | $24 | |
| Allstate | $27 | |
Best motorcycle insurance for most people: Progressive
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Editor rating
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Monthly rate
$23 ?
Pros and cons
The best motorcycle insurance company for most riders in West Virginia is Progressive, based on its cheap rates, useful coverage options and reliable customer service.
Motorcycle insurance from Progressive costs $23 per month. That's about 30% cheaper than the state average, but $5 more expensive per month than the cheapest option, Dairyland.
Many people will also be able to bring their prices down even more with discounts. You can get discounts for taking a safety course and bundling auto and home insurance together, among others.
Coverage options from Progressive are outstanding, too. It offers generous coverage for your gear, as well as optional replacement cost coverage.
- Full replacement cost: After an accident, Progressive will return your bike to pre-accident condition or better.
- Original equipment manufacturer (OEM) parts replacement: If you have OEM or custom parts on your motorcycle, Progressive will fix your bike with the same or better parts. This coverage comes standard when you get comprehensive and collision coverage.
- Accessories and custom parts and equipment (CPE): Progressive includes $3,000 to cover upgrades, custom parts and your bike accessories. Riders have the option to add up to $30,000 of additional coverage.
However, Progressive doesn't offer rental reimbursement coverage. This coverage pays for a rental vehicle while your bike is in the shop after an accident. Progressive may not be the best choice if your motorcycle is your only vehicle and you can't afford to rent a car after an accident.
Best for motorcycle commuters: Harley-Davidson
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Editor rating
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Monthly rate
$22 ?
Pros and cons
Harley-Davidson Insurance is the best option in West Virginia for riders who depend on their motorcycle for daily commuting, especially if they don't own a car.
It offers lots of coverage options not available at all insurers that are particularly useful if you depend on your bike to get around, go on motorcycle tours or rent a motorcycle while you're on vacation.
- Rental reimbursement: Covers the cost of a rental bike while yours is in the shop after a crash.
- Trip interruption: Pays for a hotel or transportation costs if your bike is damaged while you are far from home.
- Vacation rental: Protects rental motorcycles with the same coverage as your own personal bike.
Customers tend to be happy with Harley-Davidson Insurance, too. It has very few complaints through the National Association of Insurance Commissioners (NAIC), so you're likely to have a good experience while buying your policy and filing a claim, should you need to.
The main drawback to Harley-Davidson Insurance is that it does not sell any other kind of insurance. If you own a car, you'll need to get a separate policy for it, and Harley doesn't sell home or renters insurance, either. Managing multiple policies might be a hassle, and you're passing up on an insurance bundle discount, too — which is one of the best ways to save on insurance.
Best for low rates: Dairyland
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Editor rating
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Monthly rate
$18 ?
Pros and cons
Dairyland is the most affordable motorcycle insurance company in West Virginia, at about $18 per month for full coverage.
That's 43% less than the average rate statewide, and 14% cheaper than the second-cheapest option, Harley-Davidson.
Dairyland also has lots of useful coverage options that will appeal to motorcycle riders.
- Rental reimbursement coverage pays for a rental vehicle while your bike is in the repair shop after an accident.
- Roadside assistance provides services like towing, a tire change or fuel and oil delivery if your motorcycle breaks down on the side of the road.
However, Dairyland gets a lot of negative reviews from its customers. The company gets 60% more customer complaints than an average insurance company its size, according to the NAIC. The main reasons for complaints were poor settlements and delays after a claim.
Additionally, Dairyland doesn't sell home or renters insurance. It's not a good choice if you prefer to get all of your insurance policies from one company.
West Virginia motorcycle insurance cost by city
Morgantown, Wayne and Williamson have West Virginia's most expensive motorcycle rate, at $36 per month for full coverage.
The city with the cheapest rate is Shepherdstown. Full coverage motorcycle insurance there costs an average of $29 per month.
Cities with well-maintained roads and low crime rates tend to have cheaper motorcycle insurance rates, while narrow streets can lead to higher rates.
Full coverage motorcycle insurance rates by West Virginia city
City | Monthly cost | % from average |
|---|---|---|
| Beckley | $32 | -1% |
| Bluefield | $32 | 0% |
| Charleston | $35 | 7% |
| Charles Town | $31 | -4% |
| Clarksburg | $33 | 1% |
West Virginia motorcycle insurance laws
Motorcyclists in West Virginia need to have motorcycle insurance in order to ride legally. That means you must be able to show you can afford any damage or injuries if you cause an accident.
Riders who get motorcycle insurance need a minimum amount of liability insurance, sometimes written as 25/50/10.
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
Although you only need to have the minimum limits, most riders should get more coverage if they can afford it. That's because the required liability coverage doesn't protect your bike. If you can't afford to fix or replace your motorcycle after an accident, you should consider adding collision and comprehensive coverage.
Compare motorcycle insurance in West Virginia vs other states
Methodology
ValuePenguin collected motorcycle insurance quotes across 36 of the largest cities in West Virginia from six major motorcycle insurance companies that operate in 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, including higher liability limits than the state requirement and 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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