Bundling car and motorcycle insurance could save you hundreds of dollars per year while keeping your insurance needs in a convenient location. But this option works best for discount-seekers who only need standard coverage on both vehicles.
How much can I save by bundling car and motorcycle insurance?
Bundling vehicle policies could save you up to 30% off 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 $1,300, that savings comes out to almost $400 per year. Average motorcycle insurance rates are around $700 per year, so you could save another $200 on motorcycle coverage.
Which companies have the best car and motorcycle insurance bundles?
When shopping for the best value, coverage and customer service, you can start comparing with these companies:
Amica tops our list of car insurance companies for its wide auto coverage. It just so happens to offer standard coverage and a bundling discount for adding motorcycle insurance too. What to expect with this company: Highly rated customer service. Amica is well-known for its customer satisfaction, according to J.D. Power car insurance studies. J.D. Power has consistently given Amica high ratings over multiple years in a row. Wide coverage for cars. The company offers over a dozen standard and extra coverage options like lost earnings coverage and a Platinum car insurance package. A host of discounts. Qualify for discounts easily through safety features, payment schedule and customer loyalty. Dividend payouts. You can receive dividends at the end of each policy term if you choose a dividend policy.
Out of all the companies we compared, Allstate lists the highest discount for having multiple policies. Features you'll enjoy with this well-known insurer: Up to 30% off. You could receive a discount worth up to 30% off your premiums, saving you hundreds of dollars per year. Variety of motorcycle add-ons. As a bike enthusiast, you get some free equipment protection along with the option to add equipment, accident forgiveness, transport trailer or new bike replacement coverage. Rewards program. You can get points toward gift cards or merchandise to reward a safe driving record.
Progressive overrides competitors in terms of coverage options for both cars and motorcycles, while discounting insurance for having both policies. Features you'll find here: Free perks. Progressive offers original manufacturer replacement parts, accident forgiveness and $3,000 in equipment coverage free of charge for bikes. Plus, get a full bike replacement without factoring in depreciation with comprehensive and collision coverage. Cars receive accident forgiveness and a diminishing deductible for terms without claims. Most coverage options. You can choose helpful options like coverage for ridesharing, rental reimbursement, pet injuries, custom parts or personal belongings. Many discount opportunities. If you're eligible, you could stack multiple discounts for steep savings on your premium.
Geico could also meet your needs for insuring your bike and car together, especially if you're looking for low rates on standard coverage. Well-known brand. You may trust a brand that's well-known and established in the industry better than small, specialty companies. Low overall premiums. Geico's claim to fame is its steep savings on insurance across the board with coverage that fits many drivers. Respectable discounts. Safe driving and safety features can often land you discounts of 10% or more, stacking up for high savings.
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How we picked the best car and motorcycle insurance bundles
First, we considered companies with the highest bundling discount and low standard premiums. We considered each company’s Finder star rating and balanced it with customer ratings from the Better Business Bureau and Trustpilot. Then, we factored in which companies had the widest number of coverage options for both cars and motorcycles.
Get quotes for auto and motorcycle insurance bundles
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.
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.
How do I get a car and motorcycle insurance bundle?
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:
If you already have an insurance company, start by checking whether it offers bundling for car and motorcycle insurance.
If you don’t have another type of insurance, start an application with the company of your choice.
Ask your insurance agent to add on the other vehicle, or provide the necessary vehicle information yourself when applying online.
Confirm that you’ve earned the bundling discount.
What insurance companies bundle home, auto and motorcycle insurance?
You can not only combine your vehicles on one policy but also add your home or renters insurance to the mix. Most big companies will give you discounts for bundling more than one insurance, including home or auto policies along with your motorcycle insurance. And some will even give you a discount if you get a policy through a partner company. For example, Geico offers car insurance directly but will give you a discount if you add renters insurance through its partner, Assurance.
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.
Questions about car and motorcycle insurance bundles
Georgia offers the highest average savings at 22%, while Florida provides the lowest average at 7%, according to recent Quadrant data.
Other common bundling discounts include home and auto, car and renters insurance, and multiple vehicles on the same policy.
Bundling home and auto insurance provides the best savings for policyholders in most cases, and it’s the easiest to compare since coverage types are similar. However, you should still shop around to ensure you’re getting the best deal.
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
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