Motorcycle Insurance in North Carolina: The Cheapest Quotes and Best Companies

What Is the Average Motorcycle Insurance Cost in North Carolina?

MoneyGeek evaluated multiple insurance companies in North Carolina to determine the average price of motorcycle insurance. The variables that affect the insurance premiums encompass the types of coverage, the model of the motorcycle, the individual’s riding history, their age, and their years of riding experience.

A full-coverage policy in North Carolina will cost you an average of $377 per year or $31 per month, which is $13 higher than the national annual average of $364, indicating a 3% increase in cost.

If you choose a liability-only motorcycle insurance policy, your premiums will be lower, at around $7 per month or $85 per year. However, this policy will not cover bodily injuries sustained in a crash, unlike an insurance-only liability policy. The average annual national rate for insurance-only liability is less than $56, while for liability-only motorcycle insurance, it is $141.

We calculated the prices for a motorcycle insurance policy in North Carolina, considering a full coverage policy with a $500 deductible and also including minimum coverage for underinsured and uninsured motorists. The insurance policy includes $25,000 coverage for property damage and $50,000/$100,000 coverage for bodily injury liability.

Car Insurance Costs by Coverage Type

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  • Mean Annual Expenditure in North Carolina.

    Average 12-Month National Cost

  • Full Coverage.




  • Liability Only.




  • The Cheapest Motorcycle Insurance in North Carolina

    The motorcycle insurance policy that includes collision and comprehensive coverage is a better and safer option for most motorcycle riders. It may be less expensive to insure a liability-only motorcycle insurance policy, but it only covers damage to property and injuries if you are at fault in an accident. It does not protect your motorcycle or your injuries if you are at fault. Therefore, the cheapest motorcycle insurance in North Carolina may not always be the best choice for the rider.

    MoneyGeek compares rates based on the profile of a low-risk rider in North Carolina with a clean driving record, opting for a liability-only policy with limits of 50/100/25.

    Cheapest Liability-Only Motorcycle Insurance Quotes in North Carolina

    Amongst the motorcycle insurance companies in North Carolina offering liability-only coverage, the following companies were found to have the lowest average rates:.

  • Countrywide: $82 annually.
  • GEICO: $82 annually.
  • The most affordable choices are 9.4% more inexpensive than the average price from Progressive. In contrast, Progressive provides the priciest motorcycle insurance provider in the state with an average cost of $90.

    Average Annual Premium for Liability Coverage

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    Cheapest Full Coverage Motorcycle Insurance Quotes in North Carolina

    If you are making payments on your motorcycle, it is best to go for a full policy coverage rather than limited liability-only coverage. Additionally, this coverage also provides protection against damages caused by fire, weather events, theft, and vandalism. It includes coverage for damages caused by collisions, regardless of whether it involves another vehicle or a structure. If you want more protection, it is best to go for a full policy coverage.

    After reviewing the profile of the policy with a $500 deductible and coverage of 25/100/50, MoneyGeek ranked the two following companies as the most affordable.

  • Harley-Davidson: $179 annually.
  • GEICO: $208 annually.
  • Harley-Davidson is significantly more affordable compared to Nationwide. Nationwide, known for being the priciest option for a comprehensive insurance plan, provided an average yearly expense of $1,043.

    Average Annual Premium for Comprehensive and Collision

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    The Best Motorcycle Insurance Companies in North Carolina

    MoneyGeek has ranked multiple insurance companies in North Carolina based on their unique scoring system, which takes into account factors such as Harley-Davidson’s financial stability, customer service, product offerings, and affordability. This allows residents of North Carolina to find the best motorcycle insurance providers that offer a balance of quality service and affordability.

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  • Exclusive benefits for retired and active military and law enforcement personnel.
  • Provides various additional coverages.
  • Online payment alternative.
  • Cons.

  • Not accessible in all states within the United States.
  • Does not provide a mobile application.
  • Eligibility requirements exist for accident forgiveness coverage.
  • Further Details Regarding Harley-Davidson.

    The annual average cost of a full-coverage policy is $179, which is $96 higher compared to the average cost of a liability-only policy from the same company, which is $83 per year. Harley-Davidson, with a score of 97.46 out of 100 points, was ranked as the top motorcycle insurance company in North Carolina.

    Harley-Davidson provides its customers with remarkable reductions and exclusive protections. The company offers coverage for custom accessories and components, safeguarding any equipment added while modifying your motorcycle. If you wish to rent a bike from a licensed dealer, the vacation rental insurance will cover the rental bike. Additionally, the company grants special discounts to both new motorcycle owners and experienced riders. Being a member of the Harley Owner’s Group also allows you to obtain a unique discount offered by the company.

    Geek Rapid Overview.


  • Provides a mobile application.
  • Remarkable insurance choices.
  • 24/7 support for claims.
  • Cons.

  • Insurance bundling is not available.
  • Unable to submit a claim through the internet.
  • Premiums are higher for comprehensive insurance policies.
  • Additional Information Regarding Dairyland.

    If you want to purchase liability-only motorcycle insurance coverage, the average cost per year is $83. Dairyland is the second-best company in North Carolina, with an average cost of $303 per year for full-coverage insurance.

    If you have passed a motorcycle safety course with the Motorcycle Safety Foundation in the past five years, you will be eligible for a rider course discount. Dairyland offers a loyalty discount as a relief for customers who have been with them for more than a year and want to upgrade their bikes. The company provides discounts on prices when you insure multiple motorcycles with them. Dairyland has a unique coverage for all types of motorcycles, including dirt bikes, regardless of the manufacturer and model.

    Geek Rapid Overview.


  • Provides a mobile application.
  • Various payment options are available.
  • The website is accessible in both English and Spanish.
  • Cons.

  • Poor ratings in product offerings and services quality.
  • Not suitable for every state.
  • There are no special offers for new passengers.
  • Additional Information Regarding GEICO.

    GEICO, the third-ranking motorcycle insurer in North Carolina, possesses a MoneyGeek score of 88.9. In terms of GEICO, opting for a liability-only plan will amount to an average of $82 per year. The company provides an average quote of $208 annually for a comprehensive coverage policy.

    Besides the regular coverages, GEICO provides its clients with unique coverages such as coverage for accessories and roadside aid. By including an extra motorcycle or car to your motorcycle insurance policy, you can cut costs. Additionally, the company decreases the rates for mature and experienced riders, as well as individuals who successfully finish a motorcycle safety course from either the Motorcycle Safety Foundation or Military Safety Course. Moreover, individuals currently employed as Motorcycle Safety Foundation instructors can enjoy up to a 20% discount on rates.

    How to Get a Motorcycle Insurance Quote in North Carolina

    Obtaining a motorcycle insurance quote online in North Carolina is a simple task. The majority of insurance companies offer online quotes after collecting all the necessary information from you or even more.

  • The bike’s location will be specified by the ZIP code and address in North Carolina.
  • If you have relocated within the last six months, please provide your previous address.
  • Your birthdate.
  • Vehicle brand, type, and production year.
  • Your level of experience in riding.
  • Your driving history.
  • How Much Motorcycle Insurance Coverage Do You Need in North Carolina?

    It is crucial to be aware of the minimum coverage mandates in your state prior to buying an insurance plan. North Carolina’s motorcycle insurance laws and regulations necessitate all riders to have an insurance policy that includes the following minimum coverage.

  • $30,000 per-individual physical harm obligation.
  • $60,000 per-incident bodily harm liability.
  • $25,000 liability for damages to property.
  • Coverage for motorists without insurance.
  • Coverage for motorists who have insufficient insurance.
  • How Much Insurance Coverage Is Required in North Carolina?

    If you are responsible for the accident, your insurance company will provide you with these liability limits. The coverage for property damage is set at $25,000, while there is a limit of $30,000 per person for covering injuries resulting from the accident. The overall coverage for all injured parties in the accident can go up to $60,000. In North Carolina, it is mandatory for all motorcycles to have a minimum liability-only allowance of 30/60/25 as part of their insurance policy.

    Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in North Carolina?

    North Carolina requires motorist coverage for bodily injury and property damage in addition to coverage for all motor vehicles. If you want to have medical bills and loss of income covered regardless of who is at fault for the accident, you can add personal injury protection (PIP) to your existing policy. However, these coverages only apply if you want coverage for expenses other than medical bills and loss of income.

    MoneyGeek’s expert tip.

    If you can afford it, I recommend adding coverage, but North Carolina’s law doesn’t require PIP coverage. We recommend that your coverage policy matches the above-mentioned coverage and also includes Uninsured Motorist Coverage, as North Carolina requires it. MoneyGeek recommends a full coverage policy with at least 100/300/100 or preferably 50/100/25 coverage, as it may result in a small incremental cost increase for a large increase in coverage, which is most beneficial for riders in North Carolina.

    Frequently Asked Questions About Motorcycle Insurance in North Carolina

    We have answered some common questions here about how much motorcycle insurance costs in North Carolina and which company offers the cheapest motorcycle insurance policy. Several factors come into play.


    MoneyGeek collected accurate and current information from the state DMVs in North Carolina to guarantee the latest license regulations and insurance coverage prerequisites. The top motorcycle insurance companies in North Carolina were determined by considering financial stability metrics from AM Best (10% weighting), product offerings and service quality (30% weighting), and policy cost in North Carolina (60% weighting). Our users have the flexibility to identify the most affordable provider in North Carolina by comparing different coverage amounts and driver profiles, as MoneyGeek gathered motorcycle insurance quotes directly from insurance providers.

    Information on Mark Fitzpatrick.

    Mark Fitzpatrick headshot

    Fitzpatrick Mark, a senior content director at MoneyGeek with over five years of experience, has been quoted in several publications on insurance topics, including Mashable and NBC News. He can create personalized content and conduct original research, analyzing the insurance market for every buyer.

    Mark, who holds a bachelor’s degree from Boston College and a master’s degree in International Relations and Economics from Johns Hopkins University, is passionate about using his knowledge of insurance and economics to bring transparency and help others feel confident in their financial moves.