Finding Cheap Motorcycle Insurance in Las Vegas

Las Vegas is a popular destination for motorcycle enthusiasts, with its year-round riding weather and scenic desert landscapes. However, Nevada also has some of the highest motorcycle insurance rates in the nation. The minimum liability coverage is 15/30/10, but experts recommend getting more protection.

Finding cheap motorcycle insurance in Las Vegas can be a challenge, but it’s not impossible. Here’s what you need to know about getting the best rate.

Average Cost of Motorcycle Insurance in Las Vegas

The average annual cost of minimum liability motorcycle insurance in Nevada is $519, compared to the national average of $388. For full coverage, Nevada riders pay approximately $1,592 per year.

Rates vary considerably depending on factors like:

• Your age
• Driving record
• Type of motorcycle
• Selected coverage limits
• Insurance company

For example, a 30-year-old Las Vegas rider could pay anywhere from $300 to $1,500 or more per year for the state minimum coverage. Those with accidents or tickets will be on the higher end.

What Affects Motorcycle Insurance Costs

Insurance companies look at several factors when determining your premiums:

Rider age – Young riders under 25 are considered high-risk and charged the most. Rates start decreasing around age 30.

Driving history – A clean record with no accidents, claims or traffic violations will earn you the lowest rates. Even one ticket can increase your costs significantly.

Motorcycle type – Sport bikes, custom choppers and high-performance motors cost more to insure than standard styles. Anti-theft devices can lower premiums.

Coverage limits – Higher liability and collision/comprehensive limits add more premium costs but also provide better protection. Minimums may not be enough.

Credit score – Nevada allows insurers to use credit-based insurance scores to set rates. Maintaining good credit can help lower your premiums.

Insurance company – Each insurer uses its own formulas to calculate premiums, so it pays to compare quotes.

How to Get Cheap Motorcycle Insurance in Las Vegas

Follow these tips to find the most affordable motorcycle insurance in the Las Vegas area:

• Shop around – Get quotes from at least four insurers to compare rates. Local agents and online comparison sites can provide fast quotes.

• Ask for discounts – Inquire about discounts for safety courses, anti-theft devices, multi-bike policies, bundling with other insurance policies, and more.

• Raise deductibles – Using higher deductibles for collision and comprehensive coverage lowers premium costs. Just be sure you can afford the out-of-pocket expense if you have a claim.

• Drop unnecessary coverage – Do you need collision and comprehensive on an old bike? Removing unneeded coverage can save substantially.

• Improve your driving record – Avoid tickets and claims to keep insurance costs in check. Traffic school can help remove minor violations.

• Take a safety course – Completing an approved motorcycle safety course can earn you a nice discount.

• Maintain good credit – Pay bills on time and limit credit applications to keep your credit score high.

• Purchase the right amount of coverage – Don’t pay for more than you need, but make sure you have adequate protection.

Top Motorcycle Insurers in Las Vegas

Here are some of the top insurers providing cheap motorcycle insurance quotes in the Las Vegas area:

Geico

• Discount for MSF safety course completion
• Usage-based program available to save based on mileage
• Bundling discounts with other Geico policies
• Rates start around $400 annually for minimum coverage

Progressive

• Numerous discounts like multi-policy, responsible rider, loyalty
• Start rates as low as $216 yearly for state minimums
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