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.

Average motorcycle insurance rates 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.