Geico motorcycle insurance review |

Geico motorcycle insurance review

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Geico motorcycle insurance
  • Known for low rates.
  • Offers a host of discounts to save you money.
  • Flexible payment plans.

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

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  • 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.

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.

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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


  • 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.


  • 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.


  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.


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.

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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.

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

Name Product Description Roadside assistance New car protection Available states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Included free
Yes, cars under 2 years old
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, cars under 1 year old & 15,000 miles
All 50 states
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.
Yes, cars under 1 year old & 15,000 miles
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Included free
Yes, cars under 2 years old
All 50 states
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
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 20 states.
Included free
The General offers affordable coverage for nearly any driver who needs car insurance.
All states except Hawaii, Massachusetts, Michigan and New Jersey
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Included free
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Not specified
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Yes, cars under 2 years old
All states except AK, DE, HI, NH, MT, VT, WY
If you’re looking for one-on-one agent support, you may be able to count on State Farm.
All 50 states

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Bottom line

Geico is known for its low rates, and its motorcycle insurance comes with a host of available discounts. But it may not be the best fit you’re looking to tailor your policy with add-ons. And discounts aren’t available in every state.

To find the best rates you’re eligible for, compare your motorcycle insurance options before signing a contract.

Frequently asked questions about Geico

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Sarah George

Sarah George is a writer dedicated to unraveling complicated topics, including medical journalism, philosophy and finance. She loves breaking down the tough stuff into simple terms that everyone can understand. In her free time, Sarah's usually sipping hot tea and talking through movie plots with her husband.

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