Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Compare motorcycle insurance in Ohio

Meet your needs with standard coverage from top regional companies.

Compare motorcycle insurers offering coverage in Ohio. Narrow down options by roadside assistance, accident forgiveness and more to get a quote.

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
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.
The AARP Auto Insurance Program from the Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA motorcycle insurance
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get a great deal online with steep discounts and some of the highest liability limits available.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.

Compare up to 4 providers

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.

More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site