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.
Our editorial team compared key factors in shopping for bike insurance to rank the best motorcycle insurance companies by category. We measured each company based on its coverage, benefits, customer experience, pricing, discounts and financial strength to pay out claims.
Get protection for nearly any kind of bike, including motorcycles, mopeds, scooters and trikes. Enjoy free perks designed for bikers, like repairing with original parts or replacing your bike without considering depreciation.
Plus, you won't pay extra to insure bike upgrades or accessories up to $3,000.
Get some of the most comprehensive bike coverage and save up to 50% with Allstate's discounts. Choose from a long list of coverage, including bike transport and trailer coverage, new bike replacement, family rider protection, genuine parts replacement and equipment coverage up to $30,000.
Stands out for wide coverage options
$1K in free equipment coverage, plus buy more
Free towing for riders with specific Harley models
This well-advertised brand lives up to its reputation with discounts and low rates for bikes. You won't find the widest bike coverage available, but its cheap rates and bundling are ideal to stack up savings.
Geico also covers nearly any motorcycle, including sport bikes, dirt bikes, cruisers, scooters and customized rides.
Many discounts to save you 5–20%
Low starting rates for basic policies
Insures dirt bikes, scooters, enduros and custom bikes
Hagerty's guaranteed coverage protects the full value of your bike after an accident. Policies also include coverage for your spare parts, gear, apparel and trailer. And if you're a Hagerty Drivers Club member, you'll get roadside assistance, member discounts and free access to events.
Specializes in classic, racing and DIY bikes
Pays a guaranteed value for bike damage
High customer ratings, not typical for bike insurance
Not just for Harleys, Harley-Davidson covers nearly any bike at its full replacement value. Get wide coverage options, like rental reimbursement to rent a bike while yours is in the shop or maintenance plans to cover routine service.
Plus, get discounts for taking a safe riding course, having a motorcycle license, riding a new bike or being an experienced rider.
Customer service specialized in bike insurance
Covers nearly any make, model or bike type
18+ coverage options
Harley Owners Group discount
Free roadside service
Coverage varies by state
Not available in every state
All states except AK HI DC
New car protection
When looking for the best motorcycle insurance companies, we considered a variety of factors including:
Wide list of coverage options
Free perks that offer you more coverage and savings
Unique offerings or bike-specific discounts
The types and number of bikes accepted
Cheap overall rates
Financial ratings from AM Best and the Better Business Bureau
How do I compare the best motorcycle insurance?
Keep your eye on the road for the strongest bike insurance policy your budget can carry:
1. Find companies that offer the right coverage.
Learn about your state’s required minimum coverage, and search for companies that offer what you need based on your driving habits and the type of bike you have. For example, if you take long road trips, roadside assistance, trip interruption and replacement cost could come in handy. But basic coverage might be enough for weekend rides near your home.
Terms and conditions can be difficult to untangle, but look for key features when considering whether a coverage type is right for you.
Property damage liability
Damages to someone else’s vehicle or property
Bodily injury liability
Medical bills and other related costs, if you injure someone else
Your motorcycle if it’s damaged or written off after an accident
Uninsured or underinsured coverage
You, if the person at fault doesn’t have enough coverage for your damages
Emergency travel accommodation and repairs
Hotel rooms and assistance getting home if you have an accident far from where you live
Temporary rental car while your motorcycle is off the road
New motorcycle replacement
Your motorcycle, replacing it with the same model if it’s stolen or written off
The gear you’re carrying when you crash
Your leathers and helmet if they’re damaged in an accident
Your motorcycle against theft, vandalism, extreme weather and other damage
The balance on your motorcycle loan if your ride is stolen or written off
2. Weigh in motorcycle-specific brands vs. traditional brands.
In such a competitive market, you’ll want to compare several bike insurance companies for their coverage and price point. Consider that a motorcycle-specific insurance company may offer better customer service and coverage, while a traditional insurance company might offer cheap rates and discounts for bundling with other types of insurance.
3. Find free perks.
If an insurance company offers free coverage or perks like accident forgiveness, these might save you money since you won’t pay for the extra coverage or for higher premiums after an accident.
4. Look for discounts.
See which company offers the most savings for discounts you could qualify for, such as discounts for multiple vehicles, completing a motorcycle safety course or getting your motorcycle license. Also, if your bike’s kept in secure off-street parking, you might see an extra discount.
5. Balance your out-of-pocket costs.
A higher deductible can reduce your premiums, but you’ll want to have enough in savings for repairs or a new bike. If you don’t want that responsibility, keep your deductible at a comfortable level for your wallet, and see which companies offer you the best deal for that deductible.
What’s the best motorcycle policy for me?
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 full coverage policies always the best option?
While full coverage 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 collision or comprehensive insurance.
Get quotes from the best motorcycle insurance companies
Willam Eve is the country manager for Finder's Canada operations. He has previously held the positions of group publisher of insurance for Finder Australia and lead publisher for the Finder global team. William has a Bachelor of Communications from the University of Technology Sydney, Australia. He loves the challenge of launching Finder into new markets while helping grow Finder’s global team.
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