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Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She especially loves breaking down car insurance into simple terms that everyone can understand.
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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.
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
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.
Standard coverage can be $200 to $500 a year. But rates depend on the insurer, your motorcycle and your driving history. And prices may increase if you include additional coverage.
Yes. All states but New Hampshire require motorcycles to have insurance. And those in New Hampshire are held responsible for damages in an accident, with or without insurance.
Online check, electronic funds transfer, credit or debit card, personal checks and money orders. You can pay online, through an app, by phone, by mail or through autopay.
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