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Compare custom bike insurance

Protect your custom mods if they get damaged in an accident.

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Whether you’re getting a revved-up gearbox, dressing up your style or turning your bike into a full-blown café racer, you might want extra protection for those expensive customizations. But beware that keeping mods a secret from your insurance company could backfire on you later, since mods aren’t typically covered by insurance by default.

What kind of custom bike coverage do I need?

While every specially made bike needs insurance to be street legal, you might want to protect yourself from paying for all your mods out of pocket if you’re in an accident. Helpful coverage to consider:

  • Custom or modified parts. Coverage for your decked-out bike beyond the factory features.
  • Replacement cost. This add-on shields you from losing cash to depreciation if your two-wheeled steed gets totaled and needs replacement.
  • Agreed value. A step above replacement cost, opt for a policy that pays out on the agreed upon value of your custom bike, a perfect choice for specialty modifications.
  • Original manufacturer parts. OEM parts guarantees top quality parts from the original make, rather than a knock-off.
  • Accessories. This coverage can protect your saddlebags, eyewear, leathers or other accessories you use for your ride.

Do different kinds of custom bikes have different insurance requirements?

No. Although custom motorcycles can vary by make, model and size, they all fall under the same state laws.

However, you can choose from a variety of insurance coverage options based on what’s important to you. For example, you might want to cover your chopper with replacement cost, OEM and modified parts coverage to keep the bike — and its extra chrome — in mint condition. But a cruiser with a switched-out engine might only need modified parts coverage.

How can I get cheap custom bike insurance?

Because custom bikes tend to cost more, you might expect your motorcycle policy to transcend standard $200 to $500 premiums. Yet you’re likely to find savvy savings with a few simple tips:

  • Safety features. Installing safety devices that could land you discounts, including airbags, antilock brakes or antitheft devices.
  • New bike discounts. Cruise into this easy discount when you choose a brand new bike.
  • Defensive riding courses. Insurers love rewarding riders who know the safety rules and stick by them.
  • Garage storage. You might qualify for savings by tightening access to your bike.
    Seasonal policies. National or specialty bike insurers often offer lay-up policies that give you a break on insurance when your bike is garaged for the off season.
  • Higher deductibles. While you might need extra coverage to shield you from expensive damage, you could go with a higher deductible to offset the insurance cost.

How do I get custom bike insurance?

Check with your insurer to see its policy for covering custom bikes. Not every motorcycle insurer covers custom bikes, and others restrict coverage. For example, Progressive offers coverage for modified bikes, unless they’re made from a kit, rebuilt, replaced a frame or have a state-assigned VIN. And some customizations might be eligible for liability-only coverage.

Types of companies where you might find custom bike insurance:

  • National insurers. These companies may list customizations they cover online. Or contact a representative for details about your specific bike.
  • Specialist motorcycle insurers. Most motorcycle-specific companies do cover custom bikes, but restrictions can apply.
  • Custom bike insurers. Insurers who specialize in custom bikes might offer the best customer service and high-level access to rare parts. However, you might find higher premiums.

Compare custom bike insurance providers

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
Allstate motorcycle insurance
Included free
Yes
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
The General motorcycle insurance
Optional
No
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.
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What should I watch out for?

There are options for your tailored bike, but there are a few negatives to consider:

  • Not naming all modifications. Insurers may not cover certain modifications like turbo or nitro kits. But not disclosing them could mean that at best, you’ll pay to replace them out of pocket if they get damaged. At worst, your company might consider it a breach of contract and deny future coverage.
  • Unsafe riding temptations. Customizing for more speed or attention-grabbing noise could tempt you or other riders to make unsafe moves on the road. Because motorcycles offer much less protection than cars, they carry severe injury risks far above other vehicles.
  • Assuming custom parts coverage. It’s easy to forget to update insurance if you modify your bike long after first insuring it. Check on coverage each time you update your bike.

Bottom line

Custom motorcycles might need quite a bit more coverage than standard steeds, depending on the value and number of customizations. Yet you can take the reins on your savings by installing safety features, locking up your bike and only getting broad coverage during riding seasons.

Find the best value when you get several motorcycle-friendly insurance quotes.

Frequently asked questions about custom bike insurance.

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