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Geico motorcycle insurance review

Sarah George
Sarah George
Last updated:  

Cheers to saving money with low rates and discounts to protect your bike.

finder.com’s rating: 4.5 / 5.0

★★★★★

  • Get a quote if you need a no-fuss policy with a variety of discounts.
  • Pick something else if you’d prefer more comprehensive coverage options.
  • Most drivers can find coverage with Geico motorcycle insurance.

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, monthly
Claims methods online, email, phone
Accident forgiveness Yes

Pros

  • 24/7 customer support.
  • Low rates beat many of its competitors.
  • Hefty discounts make a positive dent in your premium.
  • Flexible payment options, including installment plans.

Cons

  • Not all discounts available in every state.
  • Few added benefits or coverage options.
  • Mixed customer ratings.

Expert review

Sarah George

Review by

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.

Expert review

Geico is known for its low rates, and its motorcycle insurance comes with a host of available discounts that are stackable and easy to qualify for, if they’re available in your state.

But it may not be the best fit you’re looking to tailor your policy with add-ons. It’s surprisingly low on benefits and perks we see with other motorcycle insurers, especially compared to the national companies in the same league. Geico might be a good pick if you just want basic coverage with low rates though.

What motorcycle insurance coverage does Geico offer?

Geico provides standard coverage, though it offers a no-fuss policy when it comes to add-ons and features.

  • Bodily injury liability. Provides protection against personal injuries, including legal fees if a case goes to court.
  • Property damage liability. Covers the cost of damages to another person’s property in an accident.
  • Personal injury protection. Protects you and your passengers from expensive medical bills related to an accident.
  • Collision. Pays for motorcycle damages when your bike is hit or hits another vehicle.
  • Comprehensive. Covers losses involved with noncollision incidents, like fire, theft or weather-related accidents.
  • Uninsured or underinsured motorist. Protects you from drivers without adequate insurance coverage after an accident you’re not at fault for.
  • Accessory coverage. A perk of comprehensive or collision insurance, protects your saddlebags, backrests, seats, chrome pieces and CB radios. Collision also covers your motorcycle helmet.

What discounts can I get with Geico?

  • Transfer to Geico. Save up to 10% just for switching to Geico.
  • Multiple motorcycles. Insure more than one motorcycle to get up to 10% off your premium.
  • Bundling policies. Get a discount for also insuring your RV or car with Geico. You’ll shave up to 5% off your premiums with a Geico auto policy.
  • Experienced riders. If you’re most comfortable on the road, you might qualify for a discount of up to 10%.
  • Safety course. Complete a Motorcycle Safety Foundation or Military Safety Course for up to 10% off your premium.
  • Customer loyalty. Earn up to 10% off your next policy period when you renew your motorcycle insurance with Geico.
  • Safety instructor. Become a Motorcycle Safety Foundation instructor to get up to 20% off your premium.

What types of motorcycles does Geico cover?

Geico insures many types of motorcycles that include:

  • Standard motorcycles
  • Sport bikes
  • Dirt bikes
  • Cruisers
  • Touring bikes
  • Scooters
  • Enduro bikes
  • Some customized motorcycles

Pros and cons of Geico motorcycle insurance

Pros

  • Low rates. Geico is known for its rates that average lower than those across the auto industry.
  • Many discounts available. Most offer savings of 10% or more, making it easy to lower your rates by combining those you’re eligible for.
  • Flexible payment options. Pay up front; monthly; or in four, six or nine installments.
  • 24/7 customer support. Contact Geico anytime online, through an app, through live chat or by phone.

Cons

  • Few coverage add-ons. Competitors offer more options tailored to your motorcycle needs, such as total loss coverage and enhanced injury protection.
  • Mixed customer ratings. The BBB reports more than 1,000 resolved complaints in 2018. But other review sites give Geico high ratings.
  • Discounts vary by state. Depending on your opportunities to save, you may not get the lowest premium for your area.

How to apply for Geico motorcycle insurance

You can apply for Geico’s motorcycle insurance online, by phone or through a local agent.

Online

  1. Go to Geico’s motorcycle insurance page. Type in your ZIP code and click Start quote.
  2. If you don’t already have a Geico auto policy, complete such personal information as your name, home address and date of birth. Click Continue.
  3. Enter your motorcycle’s VIN number or make and model details. Choose whether to add another motorcycle. Click No to go to the next section.
  4. Provide your information and choose whether to add a secondary operator. Click No to go to the next section.
  5. Confirm the primary motorcycle operator. Then fill in your driving history, including accidents and violations. Click Next.
  6. Receive quote options, including a Build Your Own payment option. Adjust your limits, deductible amounts and additional coverage until you’re satisfied. Then click Continue to purchase.
  7. Confirm your start date and policy details. Click Next.
  8. Enter your payment information and sign any necessary documents. Once finished, you’ll see a confirmation page.

What info do I need to apply?

Apply for motorcycle insurance more quickly with your personal and vehicle details that include:

  • Your home address
  • Your driving history
  • Other Geico insurance policy information, if you have it
  • Motorcycle details, such as the make and model, year and the VIN
  • Bank account details, your debit card or a credit card for payment

Phone

To reach a Geico sales or service agent, call 800-442-9253. Support is available daily from 2 a.m. to 12 midnight ET.

Local agent

Go to Find a local agent on Geico’s site to search for an agent in your area.

How to make a claim with Geico

Geico includes three convenient ways to report a claim:

  • Online. Go to Geico’s claim page to enter the details about your incident, damages and policy.
  • App. Log in to your account, view your motorcycle’s service history and request roadside assistance at no extra charge.
  • Phone. Start the claims process with an agent at 800-841-3000. The agent will schedule an appointment to view your motorcycle damages for an estimate.

Alternatives to Geico bike insurance

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
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.
Get quotes
More Info
Allstate motorcycle insurance
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.
Get quotes
More Info
Esurance motorcycle insurance
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
Get quotes
More Info
Liberty Mutual motorcycle insurance
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.
Get quotes
More Info
The General motorcycle insurance
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.
Get quotes
More Info
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