Who Has the Cheapest Motorcycle Insurance In Missouri?

Motorcycle insurance is required to drive legally in Missouri, but it does more than just let you get on the road. It protects you and your bike, in which you've invested time and money. We collected 125 quotes from cities across the state to find the insurers that best fit your needs.

Cheapest motorcycle insurance companies in Missouri

To find the most affordable option in Missouri, we collected quotes from across the state. We found Nationwide has the cheapest motorcycle insurance rate in the state at $526 per year. Progressive's rate of $623 is the second-lowest.

Cheapest motorcycle insurance companies in Missouri

Best motorcycle insurance for most people: Progressive

Missouri's top option for motorcycle insurance is Progressive. It offers prices that are considerably lower than the state average and has the best set of extra coverage endorsements we found. Some of the extra options include:

You can also get a wide range of discounts from Progressive, including for:

Progressive has better-than-average customer service ratings, though not the best we found. The company got a 0.89 score in the National Association of Insurance Commissioners (NAIC) complaint index. That means the company got only 89% of the number of complaints expected for a company its size.

Best for customer service: Allstate

Motorcycle riders looking for the best customer service experience can look to Allstate. The company has the state's best customer service ratings we found along with some strong coverage options.

Allstate received a 0.63 rating in the NAIC complaint index. That means for its market share, it received only 63% of the expected complaint volume. A lower number of complaints means customers were likely pleased with the service they received compared to other companies.

Allstate's coverage options include protections for your trailer and accessories, plus towing, full replacement cost coverage on newer bikes and rental reimbursement. Drivers can also receive an accident waiver after four years with the company without an accident.

Those discounts are important because Allstate has higher-than-average rates. An annual policy costs $1,349 per year, on average, which is 33% more than the state average overall.

Best for low rates: Nationwide

If you're looking for the lowest price for motorcycle insurance in Missouri, Nationwide is your best bet. The company offers rates more than $100 cheaper per year than any competitor we looked at.

Riders can reduce their rates by taking advantage of a range of discounts, including:

Nationwide also boasts some of the best customer service ratings in the state. It has a 0.68 rating in the NAIC complaint index, meaning it received only about 68% of the expected number of complaints for a company its size. That points to customers being pleased with their experience compared to other companies.

The coverage offerings from Nationwide are more modest than those of some top competitors. The company does offer OEM parts coverage, custom equipment coverage and roadside assistance as well as a disappearing deductible.

Best-rated Missouri motorcycle insurers

Among motorcycle insurers in Missouri, the top customer service ratings we found came from Allstate. Customer service comes into play most prominently when you are in an accident and need things to work smoothly in a high-stress time.

The NAIC has a single industry category that combines motorcycle and car insurance. That means each company's score is based on its combined premiums.

The quality of customer service will be a key part of your experience with a motorcycle insurance company. You should factor it into your purchase decision.

Two key ways to judge a company's service are the company's AM Best financial strength rating and the complaint index issued by the NAIC.

Companies with better AM Best ratings are on better financial footing, meaning they're in a better position to pay out claims to all customers after something catastrophic. The NAIC complaint index compares a company's number of complaints to its share of the market.

Missouri motorcycle insurance cost by city

Where you live can have a large impact on your insurance rates. Areas with worse roads, more traffic or higher rates of theft can mean you'll pay more. We dug into the data to find the cheapest and most expensive cities in Missouri for motorcycle insurance.

Kansas City has the most expensive rate in Missouri at $1,318 per year. Hannibal and Poplar Bluff have the cheapest rate, at $883 per year.

Missouri motorcycle insurance requirements

Missouri drivers are required to have a minimum level of motorcycle insurance to ride on the road. The minimum limits are:

Although you do not need to have more than those limits to drive legally, we strongly suggest you carry a higher level of coverage. If you are responsible for an accident, you could be held liable for more than those limits can cover.

Methodology

We gathered motorcycle insurance quotes from five major insurers in Missouri: Progressive, Nationwide, Geico, Dairyland and Allstate. Our sample rider was a 45-year-old married man who rides a 2021 Harley-Davidson Street Glide and owns a home. We used coverage limits greater than the state minimums: