Discover the top 4 motorcycle insurance companies offering the best bike coverage. Find the perfect insurer to meet your needs today!
We evaluated and selected the best motorbike insurance providers based on factors like availability, savings, stability, and coverage.
You likely need insurance to protect the kind of motorcycle you have in your garage. You should get coverage on your bike in almost all states since it can help you in many ways.
Whether you're a seasoned rider or a first-time owner, having enough insurance is a crucial component of your motorbike setup. Although there are other optional coverages available, including as comprehensive and collision coverage, standard motorcycle insurance policies contain bodily injury liability coverage and property damage liability coverage, which compensate for any damages you may cause to others.
Best motorcycle insurance
Best for various types of motorcycles: State Farm
Best for availability: Progressive
Best for bundling: Geico
Best for discounts: Harley-Davidson Insurance
Ideal for different kinds of motorbikes
State Farm Motorcycle Insurance
Price
Getting a quote is the most accurate way to determine your expenses.
Policy highlights
provides coverage for a range of vehicles with two or three wheels that are authorized for use on public roads. Roadside assistance coverage, as well as coverage for protective gear like helmets and clothes, are provided by comprehensive collision insurance.
App accessible
Yes.
Pros
Assistance from one of the biggest US auto insurance
high marks for financial stability and client service
Cons:
Quotes unavailable on the Internet
Motorcycle insurance from State Farm
Available throughout the country, State Farm provides a wide range of additional insurance products, such as life, small business, home, and vehicle insurance, to enable bundling. It has an excellent customer satisfaction rating for vehicle claims, an A- rating from the Better Business Bureau, and a strong financial strength rating from AM Best.
States available
Not disclosed
Discounts available
Not disclosed
Other factors to consider
You’ll need to contact an agent to get a quote.
To whom is this intended? One of the biggest insurers in the country, State Farm is easily accessible and provides a range of coverage choices for motorcyclists of all stripes.
Outstanding features: You can combine your policies and save money by choosing from a range of additional coverages that State Farm provides for your house, car, and other kinds of vehicles. Roadside assistance coverage is another benefit of some motorbike insurance plans.
Ideal for accessibility
Progressive Motorcycle Insurance
Price
Getting a quote is the most accurate way to determine your expenses.
Policy highlights
OEM parts are covered as standard in Progressive motorcycle insurance policies, and full replacement cost coverage is available for parts. Coverage for items carried on your bike, including phones and camping gear, is an optional feature.
App accessible
Yes.
Pros
Many options to customize your policy
A variety of discounts are available
Cons
Not available in Massachusetts
Progressive motorcycle insurance
For its availability and range of policies, Progressive is highly respected. Full replacement cost without depreciation for parts and original equipment manufacturer (OEM) parts coverage are two of the many amazing features offered by Progressive's motorbike insurance policies. There are also a variety of simple reductions available.
States available
49, not available in Massachusetts
Discounts available
11, including discounts for motorcycle endorsements and association memberships
Other factors to consider
Progressive offers coverage for a wide variety of motorcycles, including vintage motorcycles, scooters and mopeds, and custom bikes.
What is the intended recipient? Progressive offers coverage for vintage motorcycles, sport bikes, cruisers, and more. Progressive's motorbike insurance provides flexibility and cost with a large range of vehicles covered and numerous savings options.
Benefits that stand out: Progressive provides 11 distinct discounts, which include ones for combining insurance policies, finishing a safety course, driving responsibly, paying in full, making on-time payments, and even moving or switching from another provider. Progressive additionally provides disappearing deductibles and forgiveness for both minor and major accidents.
Ideal for assembling
Geico motorcycle insurance
Cost
Requesting a quote is the best approach to determine your costs.
highlights in policy
Geico has impressive ratings for both consumer satisfaction with auto claims and financial stability. It is available in all 50 states and covers bikes of various sizes and forms.
Available app
Yes
Pros
Highly rated for financial strength
Covers a wide variety of motorcycles
Cons
Limited additional coverage options
Geico motorcycle insurance
In terms of client satisfaction, Geico is competitive and has an AM Best financial strength grade of A++. Cruisers, touring bikes, sport bikes, and custom motorbikes are among the many types of bikes that are insured. In addition to providing ATV and scooter insurance, Geico also offers a variety of specialist coverages for motorcycles, including coverage for accessories and helmets.
States available
50
Discounts available
7
Other factors to consider
Geico offers other insurance policies like homeowners insurance, renters insurance, and auto insurance to bundle your coverage and save.
For whom is this intended? For individuals who wish to combine their motorbike and auto insurance plans and also possess a car, Geico can be a suitable choice. It was among CNBC Select's best recommendations for auto insurance and might provide savings for clients by allowing them to manage their policies together.
Notable features: Geico provides motorbike insurance in all 50 states and gives seven distinct types of discounts.
Ideal for price reductions
Harley-Davidson motorcycle insurance
Price
Getting a quote is the most accurate way to determine your expenses.
Policy highlights
In the motorcycle community, Harley-Davidson is a well-known brand that provides insurance. The brand, which is available in 48 states, provides coverage for a variety of motorbikes, such as sports bikes, cruisers, and trikes.
App accessible
Yes.
Pros
13 discounts available
Cons
No other types of insurance sold
Insurance for Harley-Davidson motorcycles
The Sentry Insurance Group underwrites Harley-Davidson insurance, which provides coverage for a range of motorcycles, regardless of brand or model, and offers numerous cost-saving options. Additionally, Harley-Davidson pledges to only use original replacement parts for repairs.
states that are accessible
48, not accessible in Washington, DC, Alaska, or Hawaii
There are discounts available.
13. includes rebates for members of the Harley Owners Group, discounts for prompt payments, and discounts for law enforcement and the military
Additional things to think about
Since Harley-Davidson does not provide any additional insurance, you will need to handle other matters, such as managing your auto insurance policy, on your own.
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