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Best motorcycle insurance

Compare the best motorcycle insurance brands and policies.


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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.

  • Coverage and benefits: Can you get the coverage and perks you need?
  • Customer experience ratings from independent studies: Are customers happy with their experience?
  • Pricing and availability of discounts: Can you find a good deal and save by being a safe driver and more?
  • Financial strength in terms of AM Best rating: Will this company be able to pay out claims and stick around for the long term?

6 best motorcycle insurance companies

Best cheap insurance

Geico motorcycle insurance


  • Cheapest rates
  • Discounts up to 40%

Best for young drivers

Allstate motorcycle insurance


  • Cheap rates for under-25s
  • Wide coverage & benefits

Best benefits

Progressive motorcycle insurance


  • Accident forgiveness
  • OEM & custom parts

Military members

USAA motorcycle insurance


  • Flexible payments
  • Safe rider discounts

Best bundling

Amica motorcycle insurance


  • Bundle bike, home & life
  • No-drop policy after claims

Best customer support

Erie motorcycle insurance


  • $3,000 gear coverage
  • Local agent support

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How do I choose 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.

What’s the best type of motorcycle coverage?

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

What type of coverage do I need?

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.

How do I get 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.

Get quotes from the best motorcycle insurance companies

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.
Allstate motorcycle insurance
Included free
All 50 states
Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts.
Liberty Mutual motorcycle insurance
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.
Esurance motorcycle insurance
Included free
43 states
Esurance offers discounts and wide motorcycle coverage with tech-focused account management and 24/7 claims.
Farmers motorcycle insurance
Included free
All 50 states
Get personalized service, optional coverage packages and rewards for safe driving with Farmers motorcycle insurance.
The General motorcycle insurance
43 states
The General offers no-frills motorcycle insurance for drivers who have a hard time getting coverage elsewhere.

Compare up to 4 providers

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