Compare motorcycle insurance in Ohio

Ohio may stand out as the home of space travel, but riders can be thankful it doesn’t stand out for high-cost bike insurance. However, you might get the best insurance from regional providers who know the lay of the land.

Motorcycle insurance providers in Ohio

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Name	Product	Roadside assistance	Accident forgiveness	Available states
Progressive motorcycle insurance		Optional	Yes (earned after 3 years with no accidents and 4 years of loyalty)	All 50 states	Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.	Get quotes More Info	Compare	loading Fetching your data...
Esurance motorcycle insurance		Included free	No	43 states	Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.	Get quotes More Info	Compare	loading Fetching your data...
Allstate motorcycle insurance		Included free	Yes	All 50 states	One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual motorcycle insurance		Optional	No	All 50 states	Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.	Get quotes More Info	Compare	loading Fetching your data...
The General motorcycle insurance		Optional	No	43 states	Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.	Get quotes More Info	Compare	loading Fetching your data...

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Average motorcycle insurance in Ohio

Riders in Ohio pay an average of $38 per month or $457 per year for bike insurance, a touch below the national average of $518. Despite having a higher population than other states, and more drivers on the road — there are fewer bike accidents which could be the reason for low rates.

Minimum motorcycle insurance requirements in Ohio

Ohio has basic bike insurance requirements, similar to many other states. Those include:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injuries per accident
• $25,000 for property damage liability

You can bypass bike insurance and show proof of financial responsibility in these ways:

• Deposit $30,000 in cash or government bonds with the state treasurer and receive a Bureau of Motor Vehicles (BMV) certificate.
• Obtain a bond backed by real estate with $60,000 of equity.
• Apply for a proof of financial responsibility certificate.
• Receive a certificate of self-insurance issued by the BMV. This is only for businesses or individuals with a fleet of vehicles.

How to save on bike insurance in Ohio

Here are three easy ways to save on your bike policy:

• Complete a bike safety course. Take an approved motorcycle safety course — and you could qualify for savings.
• Choose extra safety features. Cushion your ride with airbags, antilock brakes, antitheft devices and other protection to get a discount.
• Gear up. Using a DOT-approved helmet, eyewear and other gear could keep you from filing expensive accident claims.

Bottom line

Ohio has standard insurance requirements and bike accident risk, so riders stay on the road for less. Because its premiums already trend lower than average, comparing Ohio bike insurers could be the best strategy for savings.

Frequently asked questions about Ohio motorcycle insurance

• What’s the penalty for riding without motorcycle insurance in Ohio?

  If you can’t show proof of insurance or financial responsibility, you may receive a license or registration suspension, lose your license plate, be required to pay reinstatement fees between $100 to $600 and need high-risk insurance for three to five years.

• Who has the cheapest motorcycle insurance in Ohio?

  Geico offers cheap bike premiums in this state, but your cost can differ based on your bike type, location and driving record. Esurance and Erie are also known for competitive prices.