Dairyland Motorcycle Insurance
Dairyland motorcycle insurance allows you to customize the coverage you need for the price you want!
Written by Drew Waterstreet
Reviewed by Kathleen Flear
With a great selection of customizable coverages and affordable monthly premiums, Dairyland is one of the best choices for
motorcycle insurance
on the market!From custom Harleys to vintage Indians, Dairyland has been providing exceptional insurance services for motorcycles of all kinds since 1966. Follow along as we explain their coverage options, pricing information, and much more—let’s ride!
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes Dairyland offer motorcycle insurance?
Yes, Dairyland offers excellent insurance plans for your motorcycle, dirt bike, moped, or scooter—really anything that cruises on two wheels (plus trikes, of course).
You can get a
quick quote online
, or call 800-334-0090 to speak with an insurance agent. They also have an intuitive mobile app
that gives you self-service access to your Dairyland motorcycle insurance policy.Want a sneak peek? Follow along as we describe all the coverages available with a Dairyland motorcycle insurance policy and what your quote may look like.
Cost
Dairyland advertises that they offer motorcycle insurance for as low as $6 per month, for a liability-only policy.
However, it’s more likely that you’ll pay somewhere in the range of $15 to $50 per month, especially if you opt-in to one or more of Dairyland’s custom coverages (more on this next).
Your premium rate also depends on your likelihood of filing an insurance claim and how much it would cost to repair/replace your motorcycle. As a result, insurance providers will consider your age, riding experience, motorcycle model, and accident history when calculating your official quote.
Coverage options
All states (except Florida) require you to carry a minimum amount of motorcycle insurance to operate your bike on public roads. Make sure to confirm the necessary coverage limits with your local DMV, but the most common minimum motorcycle insurance policy is a 25/50/20 plan—here’s what that entails:
- $50,000 of bodily injury per accident
However, a liability-only policy only makes you street legal. If you want to actually provide protection for your motorcycle, you’ll want to consider customizing your policy with some (or all) of Dairyland’s custom coverage options:
Coverage | Description | Do I need it? |
|---|---|---|
Bodily injury liability coverage & property damage liability coverage | When you're at fault in an accident, these coverages will pay for the medical and property expenses incurred by the victims. | Required by law in all states except Florida. Check with your DMV for coverage limits. |
Reimburses you for repairs to your motorcycle that stem from a collision with another motorcycle, vehicle, or stationary object. | Optional, but recommended if you want to protect your sweet two-wheeled ride! | |
Reimburses you for repairs that stem from a damage-causing event that is out of your control, like vandalism, hitting an animal, or severe weather. | Optional, but recommended if you want to protect your bike from all of life’s surprises—especially if you live in an area that has high crime rates or is susceptible to inclement weather. | |
Physical damage plus | Ensures your motorcycle will be repaired with genuine original manufacturer replacement parts. | Optional, but recommended if you don’t want your mechanic using cheap aftermarket parts. |
Supplements your health insurance to pay for medical expenses resulting from an accident for you and your passengers. It can also provide non-medical assistance, like lost wages while you’re recovering. | Optional, but recommended—especially if you don’t have health insurance. | |
Optional/special equipment | Protects the difference between the custom equipment’s value and the standard equipment it replaces. | Optional, but recommended if your motorcycle is highly customized. |
Guest passenger | Provides medical coverage for your guest passengers. | Optional, but recommended if you frequently have ride-along guests. |
Provides reimbursed access to a rental while your motorcycle is at the mechanic after a claimable accident. | Optional, and probably not necessary if you have something else to drive while your bike is being brought back to life. | |
If your bike is three years old or newer and is a total loss after an accident, this coverage pays for a new bike—including your optional equipment. | Optional, but recommended if you have an expensive bike with a high depreciation rate. | |
Offers 24/7 emergency roadside labor and towing services. | Optional, but recommended if you're not very mechanically savvy. | |
Provides you with additional insurance coverage if the at-fault driver doesn’t have the state-required liability insurance. | Required in some states but typically optional. If you choose to opt out, you’ll be trusting your fellow riders/drivers to follow liability insurance laws. |
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How to save on Dairyland motorcycle insurance
Dairyland offers a wide range of discounts that can help you lower your (already affordable) motorcycle insurance premiums—check them out:
- Multi-cycle discount: If you own a gang of motorcycles, you can save on your total costs by insuring them all with Dairyland.
- Home ownership: If you own your home (or condo, townhouse, mobile home, or modular home), you can save on motorcycle insurance by reporting how your bike is securely parked and stored.
- H.O.G. member: Members of the Harley Owners Group get a special motorcycle insurance discount.
- Loyalty discount: Are you a repeat customer? Have you previously been a customer for more than a year? If you said yes to both of these questions, you might qualify for a customer appreciation discount.
- Rider group: See if your motorcycle club or riding group qualifies for exclusively low insurance rates with Dairyland.
- Rider course: Dairyland offers lower rates to bikers who have voluntarily passed a motorcycle safety course in the last five years.
- Transfer discount: Dairyland offers special rates to motorcycle owners who transfer their coverage from another insurance provider.
MORE: Essential tips for motorcycle winter storage
The cheapest motorcycle insurance companies
While it’s unlikely you’ll actually be quoted at the $6/month premium that Dairyland advertises, their coverage plans are still some of the most affordable on the market.
Progressive
and Geico
are really the only two insurance companies that give them a run for their money (pun intended).However, there’s also good value in purchasing an insurance policy directly from Harley-Davidson if that’s the brand of bike you ride. And Markel Insurance should also be on your radar if you own a high-value motorcycle.
MORE: 10 ways to get cheap car insurance that’s actually good
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Is Dairyland the best motorcycle insurance?
They are definitely in the conversation! While they might not have the brand recognition of GEICO and Progressive, their customizable policies and affordable premiums make them just as competitive.
Is it cheaper to insure a motorcycle than a car?
Generally speaking, motorcycle insurance is cheaper than car insurance. But it will depend on the value of your bike, how often you take it out for joy rides, and a variety of other factors about you as the owner.
