Veteran, vintage & classic motorcycle insurance | finder.com
Veteran, vintage and classic motorcycle insurance

Compare classic motorcycle insurance

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Get coverage for classic, vintage and veteran bikes.

Classic motorcycles need special insurance, which means paying a premium price. Find a great deal on bike insurance for your classic ride.

  • 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 motorcycle insurance and get coverage

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
Optional
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.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, 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 24 states.
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.
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.

Compare up to 4 providers

When does a motorcycle become a classic?

Bikes that are more than 15 to 20 years old are typically considered classics, but definitions can vary between insurers. For example, one might only offer classic bike insurance for motorcycles that are at least 25 years old, while another might offer it for rides that are at least 15 years old but only used recreationally or for special occasions.

However, bikes that are not quite 20 years old may be viewed as a “modern classic” or “future classic” bike and still be insured under classic motorbike insurance. Remember to do your research to find the insurers that are willing to cover you and your classic bike.

What makes classic, vintage and veteran motorcycle insurance different?

Some of the features that apply to standard motorcycle insurance might not be available with classic bike coverage. For example, you might not be able to get a rental car while your bike is out of commission. Naturally, you won’t find a new replacement option if your bike is totaled, either.

Things that make a vintage bike policy unique include:

  • Comprehensive coverage. You generally cannot get lower levels of coverage, such as liability only insurance, with a vintage bike policy. This generally protects your bike against all accident damage, theft, vandalism, fire, flooding and more.
  • Agreed value. Because of differences in valuation and the impossibility of applying the usual rules of depreciation to vintage motorcycles, coverage for classic bikes is usually based on an agreed value.
  • Lay-up and low usage. Lay-up coverage is for bikes that stay in the garage and aren’t ridden. If you ride your bike, but not often, low usage coverage is what you want.
  • Modifications coverage. If you increase the value of your bike by making modifications, that can be factored into the agreed value in case something happens to it.
  • Choice of repairer. This option may be more likely to be available with classic bike coverage.
  • Salvage rights. In the event of a total loss, where a vehicle is written off, standard vehicle insurance policies will typically give the insurer salvage rights. However, classic motorcycle insurance policies will often let you retain salvage rights. It may be important to check for this in particular.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

What options should I look for in a motorcycle policy?

Consider how often you ride and how far you tend to ride per year, and look for a policy that matches your usage. If you have distinct lay-up periods (such as never riding it in the winter) or usually only ride it once or twice a month, then it can be well worth specifically looking for lay-up options or limited-use discounts.

Other particularly useful benefits and options to look for motorcycle insurance include:

  • Riding gear coverage. Helmets and other riding gear can be expensive. Motorcycle insurance will often cover riding gear separately from other belongings and have a higher limit.
  • Emergency accommodation. This can be useful if you’re riding a long way from home.
  • Emergency repairs. This can cover you for a set amount of unauthorized emergency repairs, such as for minor breakdowns.
  • Storage and towing. Cover for the cost of safely transporting and storing your bike if it’s damaged.
  • Roadside assistance. Some insurers will offer a roadside assistance network with comprehensive coverage. Knowing who to call in the event of an accident or breakdown can be important.
  • Passenger and sidecar coverage. If you’ll be carrying passengers at all, it’s worth checking how they might be covered.

Exclusions to be aware of

Some of the main exclusions to watch out for include:

  • Wear and tear, rust, corrosion or deterioration
  • Riding a non-roadworthy or non-street legal bike
  • Faulty or unapproved repairs
  • Tire damage caused by road punctures
  • Racing

Classic motorcycle insurance rates

While the average cost of standard bike insurance is around $500 to $1,000, you might be paying closer to $1,000 to $2,000 to insure your classic bike. Your premiums are generally affected by the following factors.

  • Age and gender. Riders under 25 can expect higher premiums. Some insurers will also offer lower premiums for women, who are statistically at lower risk of accidents than men.
  • The value of your bike. The agreed value at which you’ve insured your motorcycle directly affects premiums, especially if you have comprehensive coverage.
  • Your riding history. If you have a history of accidents or tickets, expect a higher premium.
  • How you use your vehicle. If you have limited-use discounts, specific lay-up periods or generally only ride occasionally, you can often get lower premiums.
  • Your deductible. You can decrease your premium by agreeing to pay a higher deductible. While it can be tempting to drive your premium down as low as possible, don’t agree to a deductible you can’t afford to pay if your bike gets damaged.
  • Where your vehicle is kept when not in use. You can get lower premiums by keeping your motorcycle in an enclosed and secure place when not in use.

Bottom line

They don’t make them like they used to. A vintage bike in good condition is a hard thing to come by, so keep your motorcycle safe with a comprehensive insurance policy tailored to a classic motorcycle.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Frequently asked questions

Picture: Shutterstock

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site