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Best motorcycle insurance

Best motorcycle insurance

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Hitting the road on your bike? Make sure you’re covered by a strong policy.

The likes of Harley-Davidson, Ducati and Triumph stir up high-octane dreams, but motorcycles are generally riskier than their standard four-wheel counterparts. Before you hit the open road, get up to speed with the strongest motorcycle protection you’re eligible for.

What’s the best type of motorcycle insurance?

What’s right for a rider depends on how much you can afford and the value of your bike. Carefully consider three types of coverage when shopping for a policy:

  • Bodily injury liability. Most states require minimum coverage for damages or injuries that result from an accident you’re at fault for.
  • Collision damage. Covers the costs to repair or replace your motorcycle when it is damaged in an accident.
  • Comprehensive. Protects against damage caused by theft, fire, vandalism, severe weather and similar incidences.

If you’ve recently gotten your license and use a cheap bike to get around, liability insurance might be all you need. But if you’re zipping around on a high-powered machine, you may need more comprehensive protection.

  • A variety of coverage and add-ons.
  • Many discounts available.
  • Rewards responsible riders.

Our top pick: Progressive motorcycle insurance

Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.

  • Low starting rates.
  • Many free perks and cheap add-ons.
  • Vintage and antique bike coverage.
Promoted

Compare the best motorcycle insurance providers

Name Product Roadside assistance New car protection Available states
Optional
Yes, cars under 3 years old & 15,000 miles
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 2 years old
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies
Optional
No
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.

Compare up to 4 providers

What should my motorcycle insurance policy cover?

Your motorcycle insurance policy can cover you for legal liability at a minimum. But if you’re willing to pay for a more comprehensive policy, you can extend that protection to nearly any situation involving you, your bike, your passengers and others on the road.

Terms and conditions can be difficult to untangle, but look for key features when considering whether a policy is right for you.

CoverageWhat’s covered?
Property damage liabilityDamages to someone else’s vehicle or property
Bodily injury liabilityMedical bills and other related costs, if you injure someone else
CollisionYour motorcycle if it’s damaged or written off after an accident
Uninsured or underinsured coverageYou, if the person at fault doesn’t have enough coverage for your damages
Emergency travel accommodation and repairsHotel rooms and assistance getting home if you have an accident far from where you live
Rental carTemporary rental car while your motorcycle is off the road
New motorcycle replacementYour motorcycle, replacing it with the same model if it’s stolen or written off
Personal propertyThe gear you’re carrying when you crash
Riding gearYour leathers and helmet if they’re damaged in an accident
Comprehensive coverageYour motorcycle against theft, vandalism, extreme weather and other damage
Gap coverageThe balance on your motorcycle loan if your ride is stolen or written off

How do I choose the right motorcycle insurance policy?

The type of bike you ride affects the coverage and amount of insurance you’ll need. You might want to protect a new, full-powered bike with more comprehensive coverage than, say, a cheap moped or used 20-year-old scooter.

Think too about how you use gear typically associated with riding a bike. For instance, coverage for a replacement helmet is important for everyone. But if you don’t carry your gear with you on your bike, then you might not need it.

Consider liability coverage if:

  • Your bike is close to the end of its life.
  • Your bike is not worth repairing or replacing.
  • You need the bare minimum level of coverage.
  • You’re on a tight budget.

Consider collision coverage if:

  • You ride a relatively nice bike.
  • You can’t afford to pay the cost of repairs out of pocket.
  • You plan on riding this bike for the foreseeable future.
  • You’re willing to pay extra for more protection.

Consider comprehensive coverage if:

  • You ride an expensive bike.
  • You can’t afford to repair or replace your bike out of pocket.
  • Your bike is at risk of weather damage, vandalism or theft.
  • You want full protection and are willing to pay for it.

Are comprehensive policies always the best option?

While comprehensive insurance covers a lot of what can go wrong with your motorcycle, it isn’t necessarily the best value for all situations.

To avoid overinsuring your bike, consider what it’s worth and how you use it. For example, a 10-year-old 300cc bike might not need comprehensive insurance, as you could end up paying more to insure the bike than it’s actually worth. And a dirt bike that you put on a trailer and take to the farm might not need comprehensive insurance.

Tips for getting the best deal on motorcycle insurance

Keep your eye on the road to savings when shopping around for the strongest policy your budget can carry:

  1. Consider your bike. The newer and more expensive your motorcycle, the more it can cost to insure.
  2. Adjust your deductible. A higher deductible can reduce your premiums. But you’ll want to be sure you have enough in savings to cover it after an accident.
  3. Maintain a clean driving record. Heed speed limits and traffic signs to keep your record clean for the lowest premiums.
  4. Store your bike safely. If your bike’s kept in secure off-street parking and only driven to and from work, you might see a low premium.
  5. Get the right coverage. Learn about your state’s required minimums and coverage limits, and purchase only what you need.
  6. Look for discounts. Many savings that apply to cars also apply to motorcycles, like multivehicle, safe driver and other discounts.
  7. Shop around. In such a competitive market, compare insurers for the right coverage at the best price you’re eligible for.

Find the cheapest rates

Compare the best car insurance companies near you.

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