The Best Cheap Motorcycle Insurance in Nevada
To legally ride a motorcycle in Nevada, you must have insurance, but not every motorcycle insurance provider offers the same price. We discovered that the cheapest annual motorcycle insurance rate in Nevada was $502.
We identified some of the best motorcycle insurance companies for riders in Nevada after collecting over 100 quotes from across the state. To get a free insurance quote for a company near you, use our quote box tool, or continue reading our analysis of the top companies in Nevada.
Best motorcycle insurance for most people: Nationwide
Nationwide provides the best motorcycle insurance in Nevada for the majority of riders, with a variety of endorsements that many riders will find useful. Nationwide is also one of the state's most affordable motorcycle insurance providers.
Nationwide's standard motorcycle insurance policy includes $3,000 in custom parts coverage, with the option to increase to $30,000. Although Progressive's policies include custom parts protection, Progressive is more expensive than Nationwide. If your bike is less than ten years old, you can also purchase original equipment manufacturer (OEM) parts coverage through Nationwide.
The average cost of motorcycle insurance from Nationwide is $576 per year, which is approximately 11% less than the $644 average cost of coverage in Nevada. You may also be able to reduce your premium by qualifying for Nationwide's motorcycle discounts, which include rate reductions if you:
- Nationwide offers multi-vehicle insurance.
- Possess a home
- Completing a safety course successfully
- Fit your motorcycle with anti-theft or theft-recovery devices.
- Have anti-lock brakes on your motorcycle.
- Please pay your bill in full.
- Be a member of one of Nationwide's many affinity groups.
Most affordable motorcycle insurance: Geico
Geico offers the cheapest motorcycle insurance in Nevada, with coverage costing an average of $502 per year. This rate is approximately 22% less than the average cost of motorcycle insurance in Nevada, and more than $200 less than the national cost of motorcycle insurance.
Geico offers the fewest opportunities to lower your premiums through discounts, despite being cheaper on average than the other motorcycle insurance providers we surveyed. Nonetheless, you may be able to reduce the cost of your motorcycle insurance by:
- Having more than one Geico policy
- Being a rider over the age of 65
- Completing a course in safety or accident prevention
- Changing or renewing your motorcycle insurance policy
Even though it provides the most affordable coverage in Nevada, Geico is still a good option for motorcycle riders looking for more than just the cheapest option. As an add-on to your policy, Geico provides roadside assistance coverage. You can also purchase accessory protection and increase your liability limits to up to $250,000 per cycle.
Best motorcycle insurance for complete coverage: Progressive
Progressive offers the best motorcycle insurance for riders who want to maximize the protection of their bike. Progressive's standard motorcycle insurance policy includes replacement cost coverage and $3,000 in custom parts protection at no extra cost.
Furthermore, you could supplement your motorcycle insurance with a variety of Progressive endorsements, such as:
- Coverage for original equipment manufacturer (OEM) parts
- Total loss coverage for motorcycles that are less than a year old or two years old at the time of renewal.
- If you break down, you will receive roadside assistance, including $500 for food and other expenses.
- Increased injury protection If you are injured while riding your bike, you will be compensated $250 per week for up to two years.
- If you are killed in an accident, your family may receive up to $25,000 in compensation.
The average cost of motorcycle insurance from Progresive is $598 per year, which is approximately 7% less than the average price of coverage in Nevada. Although Progressive is slightly more expensive than other providers in the state, it offers the most discounts of the companies we surveyed, including discounts for making automatic payments, being a safe driver, and simply having a motorcycle license.
How we chose the best motorcycle insurance in Nevada
To judge the best motorcycle insurance company in Nevada, we assessed each company's:
- Affordability: The price that typical Nevada customers may pay for motorcycle insurance.
- Coverage options: How do companies' coverage and endorsements compare to others?
- Customer service: Does an insurer consistently meet the needs of its policyholders?
The best motorcycle insurance companies should be affordable enough that you can think about upgrading your policy; however, a standard policy should provide adequate protection without requiring you to purchase add-ons. The best motorcycle insurance companies should also have a track record of responding to claims in a fair and timely manner.
Affordability: comparing motorcycle insurance prices in Nevada
The cost of motorcycle insurance is frequently a deciding factor for people looking for coverage. With this in mind, we gathered rate information by requesting quotes from addresses throughout Nevada in order to calculate the state's average cost of motorcycle insurance.
We calculated that the average cost of motorcycle insurance in Nevada is $644 per year, which is about $60 less than the national average.
Insurer | Average cost | % difference from statewide average |
Geico | $502 | -22% |
Nationwide | $576 | -11% |
Progressive | $598 | -7% |
Dairyland | $898 | 39% |
When shopping for motorcycle insurance, the rate you're quoted is determined by a few factors unique to your situation, such as the type of motorcycle you want to insure, the amount of coverage you want to purchase, and your driving history.
For a 45-year-old married male homeowner with 20 years of riding experience, we requested motorcycle insurance quotes. Our sample profile asked for insurance on a 2019 Harley-Davidson FLHX Street Glide. We purchased more coverage than Nevada required, including insurance for the bike itself as well as liability protection.
- Bodily injury liability coverage: $100,000 per person/$300,000 per accident
- Property damage liability coverage: $50,000 per accident
- Collision coverage: Included/$500 deductible
- Comprehensive coverage: Included/$500 deductible
- All other coverages: Not included
Coverage options: evaluating motorcycle insurance policies and benefits
All of the insurers we've recommended provide more than enough coverage to meet Nevada's legally mandated minimums, as well as additional endorsements that can be purchased to customize your motorcycle insurance.
Before choosing a motorcycle insurance provider, consider whether an insurer's standard policy provides adequate coverage for your bike while allowing you to increase or decrease coverage limits and purchase useful endorsements as your needs change and grow.
We've created the table below to make it easy to see the policy features offered by the companies we've highlighted. Dairyland motorcycle insurance is also included in our table, as we obtained quotes from them while compiling our rate information.
Insurance provider | Maximum liability limit | Replacement cost coverage | OEM parts replacement | Custom parts | Roadside assistance | Rental reimbursement |
Progressive | $250,000/$500,000 | X† | X | X† | X | - |
Geico | $250,000/$500,000 | - | - | - | X | - |
Dairyland | $100,000/$300,000 | X | X | X | X | X |
Nationwide | $500,000/$500,000 | - | X | X† | X | - |
† - indicates that coverage is included with the purchase of a standard motorcycle insurance policy
Customer service: considering insurer quality in service and claims
When comparing the customer service quality of motorcycle insurance companies in Nevada, we took three factors into account: the Complaint Index calculated by the National Association of Insurance Commissioners (NAIC), the scores awarded to each insurer on J.D. Power's U.S. Auto Insurance Study of companies in the Southwest, and A.M. Best's Financial Strength Rating (FSR).
Company | J.D. Power (out of 13) | A.M. Best |
State Farm | 3rd | A++ |
Geico | 8th | A++ |
Progressive | 11th | A+ |
Allstate | 4th | A+ |
Farmers | 10th | A |
USAA | 2nd | A++ |
Liberty Mutual | 9th | A |
CSAA | 7th | A |
American Family Insurance | 5th | A |
Travelers | 12th | A++ |
Nationwide (SNL P&C Group) | 13th | A+ |
Dairyland | Not rated | A+ |
NAIC Complaint Index: The National Association of Insurance Commissioners (NAIC) Complaint Index is calculated by dividing the number of complaints received by an insurer by its market share. Given the size of the insurer, the value 1.0 represents the expected number of complaints. This means that the more a Complaint Index exceeds 1.0, the more complaints it has received in relation to its size.
J.D. Power study results: J.D. Power's consumer intelligence analysts studied 13 auto insurance companies in the southwestern United States. Companies were ranked based on consumer feedback about the services provided by each insurer, such as features, price, and claims satisfaction.
A.M. Best: A.M. Best assesses insurance companies' ability to meet their financial obligations to policyholders, particularly in the event of a natural disaster or economic downturn. A.M. Best ranks the majority of companies highly, but this tool can help you determine which providers are more likely to pose a financial risk.
Nevada motorcycle insurance: costs by city
We were able to determine the average cost of motorcycle insurance in many of Nevada's largest markets based on the rates we collected for this survey. We've tallied this data below, along with each city's deviation from the state average of $644.
The most expensive city in Nevada for motorcycle insurance, according to our research, is Winchester, where coverage costs an average of $909 per year. Carson City, on the other hand, is the least expensive city in the state, with policies costing about $522 per year.
City (organized by population) | Average price | % difference from average |
Las Vegas | $809 | 26% |
Henderson | $830 | 29% |
Reno | $607 | -6% |
Paradise | $793 | 23% |
Sunrise Manor | $772 | 20% |
Sparks | $607 | -6% |
Carson City | $522 | -19% |
Whitney | $826 | 28% |
Pahrump | $628 | -3% |
Winchester | $909 | 41% |
Sun Valley | $612 | -5% |
Fernley | $551 | -14% |
Elko | $560 | -13% |
Mesquite | $612 | -5% |
Spanish Springs | $605 | -6% |
Boulder City | $773 | 20% |
Spring Creek | $560 | -13% |
Dayton | $605 | -6% |
Incline Village | $567 | -12% |
Fallon | $608 | -6% |
Winnemucca | $527 | -18% |
Laughlin | $773 | 20% |
Moapa Valley | $679 | 5% |
Gardnerville | $555 | -14% |
Ely | $563 | -13% |
Yerington | $560 | -13% |
Battle Mountain | $560 | -13% |
Tonopah | $566 | -12% |
Lovelock | $562 | -13% |
Caliente | $611 | -5% |
Nevada motorcycle insurance requirements
Owners and operators of motorcycles on Nevada roadways, like drivers of conventional automobiles, are required to carry liability insurance. Failure to purchase motorcycle insurance can result in a $250 fine for a first offence, but you could be fined more than $1,000 depending on how long your insurance is lapsed.
Below is a list of Nevada's motorcycle insurance requirements:
Coverage type | Legally required minimum |
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $20,000 |
Unlike other vehicles in Nevada, you do not need to pass an emissions inspection to drive a motorcycle.
How do you get a motorcycle license in Nevada?
To legally operate a motorcycle in Nevada, you must obtain a motorcycle or Class M license. You can obtain a Class M license on its own or add a motorcycle endorsement to your existing license. You must complete a skills course or pass a written test to obtain a Class M license or endorsement.
Adults have the option of obtaining a learner's permit or a regular license, but if they do not obtain a learner's permit, they must pass the state's skills test before riding a motorcycle. If you are under the age of 18, you must meet the same driving requirements as a teenager applying for a regular license.
Methodology
We gathered 120 motorcycle insurance quotes from Nevada residents for this survey. The quotes we obtained were for a 45-year-old male homeowner who is married and has been riding motorcycles recreationally for two decades. A 2019 Harley-Davidson FLHX Street Glide served as our test vehicle. Prices will vary depending on a variety of factors.