The Best Cheap Motorcycle Insurance in Nevada

You must purchase insurance to drive a motorcycle legally in Nevada, but that doesn't mean every motorcycle insurance provider offers the same price as the next. After collecting more than 100 quotes from across Nevada, we determined some of the best motorcycle insurance companies for riders in the state.

The cheapest motorcycle insurance companies in Nevada

Cheapest motorcycle insurance companies in Nevada

Best motorcycle insurance for most people: Progressive

Progressive has the best motorcycle insurance for the majority of Nevada riders because it offers the most robust coverage and the lowest rates. A standard motorcycle insurance policy from Progressive includes replacement cost coverage and $3,000 of custom parts protection at no additional cost.

The average cost of motorcycle insurance from Progressive is $504 per year — about $217 cheaper than the average price of coverage in Nevada and $122 less than the next-cheapest option. Progressive offers a wide range of discounts, including those for making automatic payments, being a safe driver and simply having a motorcycle license.

Additionally, you could further add to your motorcycle insurance with a variety of endorsements offered by Progressive, including:

Best motorcycle insurance for customer service: Nationwide

If you're looking for a strong customer service experience for motorcycle insurance in Nevada, you should consider Nationwide. The company has affordable rates and a few key coverage options.

Nationwide has the best complaint index from the National Association of Insurance Commissioners (NAIC) among companies we surveyed. The insurer’s 0.53 rating means Nationwide gets only 53% as many complaints as would be expected for its size, indicating that customers are happy with their service. It also has an A+ rating from AM Best, which rates financial stability.

A motorcycle insurance policy from Nationwide has the option to include $3,000 of custom parts protection, with the ability to add up to $30,000 of coverage. You can also purchase original equipment manufacturer (OEM) parts coverage if your bike is less than 10 years old.

The average cost of motorcycle insurance from Nationwide is $666 per year, which is about 7% cheaper than the average $721 price of coverage in Nevada. Additionally, you may be able to lower your premium by qualifying for Nationwide's motorbike discounts, which include rate reductions if you:

Best for military families: USAA

Nevada is among the top 10 states in terms of military members per capita. Those who ride motorcycles can get a great deal with USAA. The company offers topflight customer service, although it is only available to a select group.

USAA offers coverage through Progressive but at a 5% discount. Progressive already offers the best rates we found and has the widest set of coverage options.

Only members of the military, veterans and some of their family members qualify for USAA. The insurer also doesn't have many agents, so you will likely have to deal with the company online and over the phone.

How we chose the best motorcycle insurance in Nevada

To judge the best motorcycle insurance company in Nevada, we assessed each company's:

The best motorcycle insurance companies should be affordable enough that you can consider purchasing upgrades to your policy; however, a standard policy should provide enough protection without requiring you to purchase add-ons. The best motorcycle insurance companies should also have histories of answering claims fairly and quickly.

Affordability: Comparing motorcycle insurance prices in Nevada

The cost of motorcycle insurance can often be the determining factor for people shopping for coverage. With this in mind, we gathered rate information by requesting quotes from addresses across Nevada to calculate the average cost of motorcycle insurance in the state.

The rate you're quoted when shopping for motorcycle insurance depends on a couple of elements specific to your profile, such as the type of motorcycle you want to insure, the amount of coverage you want to purchase and your driving history.

We requested motorcycle insurance quotes for a 45-year-old married male homeowner with 20 years of riding experience. Our sample profile sought to insure a 2021 Harley-Davidson FLHX Street Glide. We purchased more coverage than the amount required by Nevada, purchasing insurance for the bike itself in addition to liability protection.

Coverage options: Evaluating motorcycle insurance policies and benefits

All of the insurers we've recommended offer more than enough coverage to comply with Nevada's legally required minimums, as well as additional endorsements you can purchase to customize your motorcycle insurance.

Before settling on a motorcycle insurance provider, you should evaluate whether an insurer's standard policy contains enough coverage for your bike while granting you the freedom to raise or lower coverage limits and purchase practical endorsements as your needs morph and grow.

We've constructed the following table to easily display the policy features available with the companies we've highlighted.

Customer service: Considering insurer quality in service and claims

We accounted for two elements when comparing the service quality of motorcycle insurance companies in Nevada: the complaint index computed by the National Association of Insurance Commissioners (NAIC) and AM Best's financial strength rating (FSR).

NAIC complaint index: The National Association of Insurance Commissioners (NAIC) divides the number of complaints an insurer receives by its market share to arrive at its complaint index. The value 1.0 represents the number of complaints an insurer is expected to have, given its size. This means that the more a complaint index exceeds 1.0, the more complaints relative to its size it has received.

AM Best: AM Best gauges the ability of insurance providers to fulfill their financial obligations to their policyholders, especially if a natural disaster or economic recession were to occur. Most companies are ranked highly by AM Best, but this tool could help you distinguish which providers are more likely to present a financial risk.

Nevada motorcycle insurance: Costs by city

Based on the rates we collected for this survey, we were able to find the average cost of motorcycle insurance in many of Nevada's largest markets. We've tabulated this information below, alongside each city's difference from the state's average of $721.

The most expensive cities in Nevada for motorcycle insurance are Las Vegas and Winchester, where coverage costs an average of $993 per year. On the other hand, Carson City, where policies are about $604 per year, is the least expensive city in the state.

Nevada motorcycle insurance requirements

Nevada requires owners and operators of motorcycles to carry liability insurance. Failing to purchase motorcycle insurance can result in fines of at least $250 for a first offense, but you could be fined over $1,000 depending on how long you go without insurance.

We've displayed Nevada's motorcycle insurance requirements below:

Unlike with other automobiles in Nevada, you don't have to pass an emissions inspection to drive your motorcycle.

How do you get a motorcycle license in Nevada?

You're required to get a motorcycle or Class M license to legally operate a bike in Nevada. You can get a stand-alone Class M license or add a motorcycle endorsement to your existing license. To receive a Class M license or endorsement, you must complete a skills course or pass a written test.

While adults have the choice between obtaining a learner's permit or a regular license, they must complete the state's skills test before being allowed to ride a motorcycle if they elect not to get a learner's permit. If you're under 18, you must comply with the same driving requirements as teenagers applying for a regular license.

Methodology

For this survey, we collected 129 motorcycle insurance quotes from across Nevada. The quotes we sourced were for a 45-year-old married male homeowner with two decades of experience riding motorcycles recreationally. Our sample bike was a 2021 Harley-Davidson FLHX Street Glide. Prices will fluctuate depending on individual factors.