Motorcycle Insurance in Washington: The Cheapest Quotes and Best Companies

For riders in Washington who are on a budget, a limited-liability policy is an option. Although it’s more affordable, it also gives limited coverage. Liability-only, as the name implies, protects you against damages (injury or property) the other person incurs in the accident. If your bike sustains damages, these aren’t covered. This is why it may not be the best option for most riders. An alternative is getting a full coverage policy. It contains all the coverages provided by liability-only and includes added protection through collision and comprehensive insurance.

A good rider profile with 50/100/25 coverage was used to determine cheap liability-only motorcycle insurance in Washington.

MoneyGeek compared prices between several carriers. Based on this study, the companies having the cheapest motorcycle insurance in Washington on average are:

• Markel: $52 each year
• Progressive: $75 each year

Markel’s rate for motorcycle insurance in Washington is 56% cheaper than Harley-Davidson, which offers a liability-only policy for roughly $118 per year.

Beyond just having coverage for costs the other person sustains due to an accident you caused, riders also need protection for their injuries or damages to their motorcycle. A liability-only policy won’t give you this, but a full coverage one will. Collision and comprehensive coverages help with expenses concerning bike damages, regardless of whether these are from another vehicle hitting you or non-collision-related incidents such as theft or vandalism. Riders who purchased their motorcycles through bank financing will most likely need motorcycle insurance in Washington with full coverage rather than liability-only.

A 50/100/25 coverage for a good rider inclusive of a $500 deductible for comprehension and liability-only was used for this analysis.

MoneyGeek evaluated a number of carriers offering full coverage policies and found that, on average, you can purchase cheap motorcycle insurance in Washington from the following:

• Markel: $179 each year
• Dairyland: $190 each year

You can save hundreds of dollars each year by comparing rates between carriers. Compared to Nationwide, which has a similar policy costing an average of $658 a year, Markel’s is 72.8% more affordable.

Insurance providers offering motorcycle insurance in Washington base their rates on several things. Some factors affecting your quote are your age, riding experience and riding record. Details about your motorcycle, such as its year, make and model, are also factored in. MoneyGeek collected quotes from multiple motorcycle insurance companies in Washington to determine state averages.

On average, though, riders in Washington pay $288 per 12-month cycle for a full coverage policy. Monthly, this is roughly $24. It’s approximately 21% or $76 cheaper compared to the national average of $364.

The average cost of liability-only motorcycle insurance in Washington is $91 for a 12-month cycle, or roughly less than $8 a month. This is $50 cheaper per year than the national average. Although it’s considerably cheaper, it doesn’t help with expenses if your bike gets damaged in a covered accident or if you sustain any injuries.

$50,000/$100,000 coverage limits for bodily injury, a $25,000 coverage limit for property damage and a $500 deductible for comprehensive and collision coverages were used to determine Washington averages.

Comparing motorcycle insurance providers based on financial strength, cost and product and service offerings, MoneyGeek conducted a study to identify which offered the best motorcycle insurance in Washington. The methodology section of this page details how these areas impact each company’s overall score. The carrier that ranked first on MoneyGeek’s list of the best motorcycle insurance companies in Washington is Markel.

The three companies that provide the best motorcycle insurance in Washington based on MoneyGeek’s internal rating system are:

Insurers will ask for information when you request quotes online. Have the following details ready to get motorcycle insurance quotes in Washington hassle-free:

• The year your motorcycle was manufactured, its make and model
• How much riding experience you have and your riding record
• The age of each person driving the motorcycle
• Where you keep your bike
• What coverage limits you prefer (more information on this is included below)

States have different insurance requirements. It’s crucial to know the minimum coverage required in your state to ensure you’re adequately covered. Riders in Washington are required to at least have the following liability coverages:

• $25,000 per-person bodily injury liability
• $50,000 per-accident bodily injury liability
• $10,000 property damage liability

The minimum requirement for motorcycle insurance in Washington is 25/50/10 coverage. This means that for each accident that occurs, there is up to $50,000 in bodily injury coverage with a $25,000 limit for a single individual. Should there be costs from damages to property, your policy provides coverage up to $10,000.

Washington laws on motorcycle insurance only require coverage for bodily injuries and property damages. Since Washington is a tort state, having Personal Insurance Protection (PIP) is not required. If you are not at fault in an accident, the other person will have to shoulder your medical expenses. If the other driver, however, does not have enough coverage, it might put you in a difficult situation. Opting for uninsured motorist and underinsured motorist coverage may be a good idea.

Since riders need to have motorcycle insurance in Washington, it’s good to have as much information as possible regarding the requirements and your policy options. Below are the most commonly asked questions by motorcycle riders in the state.

The results of this study were derived in different ways. The best insurance company in Washington was determined by evaluating carriers using premium costs, product and service offerings and financial strength data from AM Best. Each area contributed 60%, 30% and 10%, respectively, to a carrier’s overall score. The most affordable insurance company was identified using various quotes collected from several providers. To ensure information is current and accurate, the data was sourced from Washington’s Department of Motor Vehicles and the Office of the Insurance Commissioner.