Baltimore Motorcycle Insurance Costs and Coverage Guide

Motorcycle insurance costs in Baltimore are influenced by factors such as age, driving history, and type of bike.

In Maryland, drivers under 25 years old are considered high-risk and may face higher premiums.

Baltimore residents can expect to pay an average of $150 per month for motorcycle insurance.

The minimum liability insurance required in Maryland is $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage.

To lower premiums, riders can consider increasing their deductible or taking a motorcycle safety course.

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Motorcycle insurance is often more affordable than you think. It's a common myth that it's too expensive, but the truth is, it can be a financial lifesaver.

You might think you don't need motorcycle insurance, but the reality is, it's required by law in most states. In Maryland, for example, you'll need to have a minimum amount of liability insurance to register your motorcycle.

It's worth noting that motorcycle insurance can be a financial lifesaver in case of an accident. It can help pay for medical bills, repair or replace your bike, and even cover any damages you might cause to others.

If you're curious about the cost of motorcycle insurance, you can call us at 410-882-0077 for more information.

Comprehensive motorcycle coverage is optional unless you're financing or leasing your motorcycle, but it's a good idea to consider it as a safeguard against physical damage to your bike.

Comprehensive coverage can pay for damage to your bike from events out of your control, such as theft, vandalism, hitting an animal, fire, and weather-related issues.

Collision coverage, on the other hand, can pay for damage to your bike if it collides with another object or vehicle, regardless of who's at fault.

Here are some additional motorcycle insurance coverages you can consider:

These coverages can provide extra peace of mind and protection for you and your bike.

Finding the right motorcycle insurance policy can be a daunting task, especially in a city like Baltimore where there are many options to consider.

In Maryland, one in three insured motorcycle riders choose Progressive, which offers dependable and personalized coverage at an affordable cost.

Progressive offers a wide array of coverage options, including total loss coverage for a new bike, roadside assistance and trip interruption, and carried contents coverage.

The average annual rate for Progressive in Maryland is $634 for full coverage, 11% cheaper than the state average overall.

To make coverage even more affordable, Progressive offers a diverse set of discounts, including bundling, advance quote, safety course, motorcycle endorsement, responsible driver, discount for switching from another company, automatic payments, Harley Owners Group affiliation, and pay in full.

Here are some discounts offered by Progressive that can help lower the cost of motorcycle insurance in Maryland:

The best motorcycle insurance for most riders in Maryland is Progressive, which combines a generous package of coverage options with rates that are cheaper than average.

Progressive also has the lowest rate of complaints we found among Maryland companies surveyed, indicating it has good customer service.

Baltimore has the most expensive motorcycle insurance costs in Maryland, with an annual cost of $1,386.

The city's high insurance rates can be attributed to factors such as traffic and auto thefts, which insurers use to help set prices.

If you live in Baltimore, you can expect to pay 95% more than the state average for motorcycle insurance.

Here's a comparison of the annual costs for motorcycle insurance in some Maryland cities:

As you're considering motorcycle insurance in Baltimore, it's essential to know that the city has the highest rates in Maryland, with an annual cost of $1,386. This is significantly higher than the state average.

The cost of motorcycle insurance varies greatly depending on where you live in Maryland. In fact, nine smaller cities tied for the lowest rates, coming in at $536, which is 24.7% less than the state average.

Here's a breakdown of the cities with the most significant differences from the state average:

Keep in mind that these prices are based on a Progressive motorcycle policy with liability coverage only.

Companies look at the safety features of your motorcycle to calculate insurance costs.

The cost also depends on how often your motorcycle model is involved in crashes or thefts.

Any upgrades or after-market changes you make to your bike will impact the cost.

In Maryland, the annual cost for a Progressive motorcycle policy with liability coverage only was $164.36 in 2023.

However, many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection.

Here are the average annual costs for motorcycle insurance in Maryland from some of the cheapest companies:

Your motorcycle insurance costs can be influenced by the safety features of your bike. Companies consider factors such as crash statistics and theft rates for your motorcycle model.

Any upgrades or after-market changes you make to your bike will also impact the cost. This is because these modifications can increase the value of your bike, which in turn can raise your insurance premiums.

Your age can also affect the cost of your motorcycle insurance. Teens and new riders typically have higher insurance costs due to their lack of experience.

Geico offers the cheapest motorcycle insurance in Maryland, with rates starting at $505 per year.

This is significantly cheaper than the state average of $711 per year, making Geico a great option for those on a budget.

Progressive is another affordable option, with an average annual rate of $634 for full coverage, which is 11% cheaper than the state average.

However, Geico still comes out on top as the cheapest option.

Here's a comparison of the cheapest motorcycle insurance companies in Maryland:

Your age can significantly affect the cost of motorcycle insurance. Teens and new riders usually have higher insurance costs because they are less experienced.

If you're a new rider, whether you're young or older, you'll likely have higher rates than someone who has been riding for years. Experience matters when it comes to insurance costs.

An older person who is new to riding will also have higher rates than someone who has been riding for years.

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To ride a motorcycle in Maryland, you'll need a Class M license.

In Maryland, all motorcycle operators and passengers must wear a helmet while riding, regardless of age.

Lane splitting, also known as lane filtering, is illegal in Maryland, and two motorcycles can't split a lane.

Here are some key riding facts to keep in mind: