Ohio Motorcycle Insurance

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Contributor, Benzinga
October 14, 2021

All motorcycle riders in Ohio are required by law to have proof of financial coverage. The state allows several different forms of proof, but the most common and widely used is Ohio motorcycle insurance.

What is Motorcycle Insurance?

Motorcycle insurance offers financial protection against accidents, theft, damages or loss. And, it includes liability coverage if you are responsible for another person’s injuries or property damage.

You, as the insured, have the option to customize your policy to provide coverage for the total replacement cost of your bike, comprehensive coverage, medical payments, uninsured or underinsured motorist coverage and damage, loss or upgrades to your gear.  

Key Points about Ohio Motorcycle Insurance

  • Ohio has established minimum motorcycle insurance coverage amounts like $25,000 for death or bodily injury to 1 person, $50,000 for death or bodily injury to 2 or more people and $25,000 for damage and destruction of property.
  • The average cost of Ohio motorcycle insurance is different for each policy. Every rider is unique and has their own specific needs, style of bike and varying riding skill.

Best Ohio Motorcycle Insurance

Compare quotes from the providers below, or scroll down a bit further to check out Benzinga's full provider reviews.

Types of Motorcycle Insurance

Considering the type of Ohio motorcycle insurance that best fits your needs is a process that involves thorough research and an understanding of protection options aside from the minimum coverage. You need to consider collision, uninsured/underinsured, comprehensive, bodily injury and medical payment coverages. Each option is designed to offer additional protection for you and your bike should you find yourself in an accident.

Ohio Motorcycle Insurance Requirements

Ohio is an exciting state to ride a motorcycle. No matter what kind of terrain or traffic you are riding through, your bike needs to be street legal and have at the very least minimum coverage at all times. Ohio motorcycle insurance should include bodily injury liability, property damage liability, collision, uninsured/underinsured protection and medical coverage.

If you are comparing coverage with other states, protection requirements in Ohio are average. However, any accident that results in an injury could exceed the defined payout limits. For example, if you are at fault and your policy falls short, you will be responsible for all additional costs. You also want to be mindful that if the at-fault motorist is uninsured, minimum coverage may not be enough.

Motorcycle Insurance in Ohio: Provider Reviews

Having a motorcycle has many advantages, from low maintenance costs to the freedom you can ride to what might be considered unreachable destinations, but it’s imperative to sign up for Ohio motorcycle insurance. Below we discuss the best motorcycle insurance providers in Ohio.

VOOM Motorcycle Insurance
Best For
  • Low mileage riders
securely through VOOM Motorcycle Insurance's website

1. VOOM Motorcycle Insurance

Mobility insurtech VOOM and motorcycle insurer Markel have teamed up to launch a per-mile insurance offering for motorcycles.

VOOM distributes the per mile product directly to riders.

Mile-by-mile coverage is ideal for motorcycle riders who travel short distances or ride occasionally. VOOM eliminates the need for riders to pay high insurance costs when their bikes sit stagnant for weeks on end. 

Read the full VOOM Motorcycle Insurance Review here.


  • Riders can pay low monthly base rates.
  • It does not require a physical device to track mileage — riders just have to submit a photo of the odometer every month.


  • It’s only offered in select states: Arizona, Illinois, Indiana and Ohio.

AM Best rating: N/A

Allstate Motorcycle Insurance
Best For
  • Customer Service

2. Allstate Motorcycle Insurance

Allstate (NYSE: ALL) is a traditional insurance company with a range of products, including motorcycle insurance. Coverage selections include bodily injury liability, property damage liability, medical payment, personal injury, uninsured/underinsured, collision, comprehensive, towing and labor, rental reimbursement, transport trailer, gap and equipment.

Allstate is a solid choice if you are looking for comprehensive coverage with a wide range of discounts. Allstate motorcycle insurance has an overall rating of 4 out of 5 stars.


  • You have a dedicated agent.
  • Other types of coverage are available for multipolicy discounts.


  • You have to buy your policy through an agent.

AM Best rating: A+

Dairyland Motorcycle Insurance
Best For
  • Affordable coverage

3. Dairyland Motorcycle Insurance

Dairyland insurance is an auto and motorcycle insurance provider that offers policies throughout the country. It provides one of the most affordable quotes and maintains a high number of positive reviews. Dairyland offers unique coverage options like bodily injury liability, property damage liability, collision, comprehensive, guest passenger, medical expenses, optional equipment, personal injury physical damage, rental reimbursement, replacement, roadside assistance and uninsured/underinsured motorists bodily injury and property damage.

Overall, Dairyland motorcycle insurance is an excellent choice for anyone looking for the perfect balance between affordability and comprehensive motorcycle coverage. Dairyland’s overall rating is 4.5 out of 5 stars.


  • It offers affordable insurance options and very low quotes for a 1-year policy.
  • A wide range of policies and add-on protections are available.


  • Fewer discounts are available than some of its competitors offer.

AM Best rating: A+

Harley Davidson Motorcycle Insurance
Best For
  • Comprehensive coverage/Business Owners' Policy

4. Harley-Davidson Motorcycle Insurance

Harley-Davidson Insurance offers policies for nearly every type of motorcycle, and you can even get a policy that provides enhanced protections for any upgrades you have made to your bike. Its insurance offers a wide range of coverage options, including bodily injury, guest passengers, property damage, collision, comprehensive, roadside assistance, optional equipment, vacation rental, bike replacement, optional equipment, uninsured/underinsured motorist bodily injury and property damages, rental reimbursement, medical expense and personal injury.

Safety and protection are an essential part of riding a motorcycle. Deciding to invest in Harley-Davidson motorcycle insurance is a smart move if it meets all your standards and you are willing to pay a little more compared to competitors.


  • A wide range of coverage is available.
  • A generous number of discounts is available.


  • You cannot bundle auto and motorcycle insurance together.

AM Best rating: A+

Progressive | Motorcycle
Best For
  • Supplemental coverages

5. Progressive

Progressive (NYSE: PGR) is the top provider of motorcycle insurance in the nation. It offers flexible policies that can fit your needs.

When you select Progressive motorcycle insurance, you are given the option for the following coverages:

  • bodily injury
  • comprehensive
  • collision
  • medical
  • uninsured/underinsured motorists
  • carried contents
  • enhanced injury
  • total loss
  • roadside assistance
  • disappearing deductible.

In addition to its respected reputation, Progressive offers tips on getting the best rates and great customer service. You'll also find solid overall pricing and value. Therefore, you can rest assured you and your motorcycle are adequately protected.


  • You can customize your policy. 
  • Premiums are affordable.


  • Refunds can be denied for canceled policies.

AM Best rating: A+

Get Motorcycle Coverage in Ohio

Motorcycle accidents can happen at any time and often without much warning. For this reason, Ohio motorcycle insurance is valuable no matter the experience level you have on a motorcycle. Be sure to get the right coverage to protect you and your bike.

Frequently Asked Questions


Is motorcycle insurance required in Ohio?


Yes. Motorcycle insurance is required by law in Ohio. The state has a financial responsibility law that applies to anyone who operates a motor vehicle. The most commonly used way to meet state requirements is through liability coverage.



How much is motorcycle insurance in Ohio?


Overall, Ohio motorcycle insurance is cheaper on average when compared to other states. The average cost of motorcycle insurance in Ohio is around $576 per year. Across the country, you are looking at an average of $702 per year as the typical cost. Prices will vary depending on the insurance policy. All motorcycle riders in Ohio are mandated to have liability coverage.


Money-saving Motorcycle Insurance

Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support. 

You can get Harley-Davidson Insurance today with a free, quick quote.