Car and motorcycle insurance bundling discounts

A simple way to save money on two policies you already need.

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Bundling your car and motorcycle policies could save you up to 25% while conveniently keeping your insurance needs all in one place. This works best for discount-seekers who need standard coverage on both vehicles.

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

Best for bikes: 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.

Compare companies with bundling discounts

Name Product Roadside assistance Accident forgiveness Available states
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.
All 50 states
This well-advertised insurer lives up to its reputation with discounts, low rates and no-fuss coverage for bikes.
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.
Included free
All 50 states
Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts.

Compare up to 4 providers

How do I get a car and motorcycle insurance bundling discount?

You could qualify for this discount if you need both car and motorcycle insurance. It works best for drivers looking to lower insurance costs, as well as those who don’t prefer a specialty insurance company.

To get the vehicle bundling discount:

  1. If you already have an insurance company, start by checking whether it offers bundling for car and motorcycle insurance.
  2. If you don’t have another type of insurance, start an application with the company of your choice.
  3. Ask your insurance agent to add on the other vehicle, or provide the necessary vehicle information yourself when applying online.
  4. Confirm that you’ve earned the bundling discount.

How much can I save by bundling car and motorcycle insurance?

Bundling vehicle policies, in general, could save you up to 25% on your annual premium. Savings will vary by company, so compare providers to find the best deal on both vehicles.

Since the average car insurance premium is $1,440, that savings comes out to over $200 per year. Average motorcycle insurance rates are around $200-$800, so you could save another $80 on motorcycle coverage.

Case study: Adding a new bike to a car insurance policy

Andy already has car insurance with a company that costs a little more but is known for its excellent claims service. Andy needs to insure his brand new motorcycle as well and would like to stick with his current company.

He currently pays $1,575 per year for car insurance. After getting an online quote for motorcycles, he finds that his company normally charges $400 per year for his bike but will offer a bundling discount on both policies.

He adds the motorcycle onto his existing car insurance policy through the online customer portal and receives a 20% discount. Andy’s final savings is $395 per year.

Is bundling car and motorcycle insurance worth it?

Bundling car and motorcycle insurance may help you save money on a standard policy. But in some cases, you may find it more beneficial to go with two separate companies.

Car and motorcycle insurance may not be worth bundling if you:

  • Save more money separately. You might save more money with separate companies because of pricing differences or type of coverage needed. For example, a specialized motorcycle company may offer lower rates on custom bikes than your current insurance, which may view custom bikes as a higher risk.
  • Need expert customer service. A classic car insurer may provide expert advice on your insurance needs versus a standard provider carrying both car and motorcycle insurance.
  • Need a customized policy. Standard insurance companies may not cater to your specific insurance needs, such as motorcycle racing or classic bike parades.

Bottom line

Bundling your car and motorcycle insurance policies can provide an easy way to save money on your premium. However, you may have insurance needs not covered by insurance companies who offer both car and motorcycle policies.

Compare insurance providers to find the right option for your situation.

Get cheap bike coverage

Compare motorcycle insurance near you.

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