McGraw motorcycle insurance: Jan 2022 review

Cover the basics, plus get add on coverage for maintenance and repairs’s rating: 4 / 5.0


  • Get a quote if you need coverage for maintenance and servicing your bike.
  • Pick something else if you need online customer support.
  • Many riders can apply for motorcycle insurance from McGraw.


Roadside assistance

Accident forgiveness


States served Arizona, California, Colorado, Hawaii, Nevada, New Jersey, Texas
Roadside assistance Optional
Pay schedule custom
Claims methods email, phone
Accident forgiveness Not specified


  • Coverage variety and unique add-ons
  • Easy-to-achieve discounts
  • Maintenance service plans
  • 24/7 claims
  • Established, stable company


  • Coverage availability
  • No online claims

Review by

Sarah George is a staff 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 You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

McGraw provides ample coverage for bike insurance, including unique add-ons not available with many competitors. Those include maintenance and mechanical service plans for your bike. You’ll also find a long list of discounts to help keep your rates low.

However, the company doesn’t offer motorcycle insurance motorcycle insurance in every state, and don’t expect a convenient, online claims process, though you can make a claim 24/7 using other methods.

How do I apply for McGraw motorcycle insurance?

To apply for McGraw motorcycle insurance, you can start a quote online, by phone or by email.

Online. Follow these steps to apply online:

  1. Go to McGraw’s motorcycle insurance homepage.
  2. Select your vehicle type and your state. Then, click Get a quote.
  3. Enter personal details, then fill in information about the motorcycle, your policy needs and riders.
  4. Select discounts you may qualify for.
  5. Choose coverage, confirm your information and click Get a quote.

What info do I need to apply for McGraw motorcycle insurance?

Get through the application process quickly and smoothly with this information on hand:

  • Personal information like home address, phone number, date of birth
  • Driver’s or motorcycle license number
  • Motorcycle’s make, model and license plate number
  • Driving record of all listed drivers
  • Choice of coverage and policy start date
  • Payment information

Phone. Talk to a representative to apply or ask policy questions by calling 844-725-1615.

Email. Shorten the application process by entering your personal information and motorcycle details in a contact form. A representative will get back to you quickly with an emailed quote.

Contact form. Prefer for a representative to contact you? Fill out your name and phone number in the Call You contact form, and a rep will call you back.

What bike insurance discounts can I get with McGraw?

McGraw offers a full suite of discounts you might be eligible for:

  • Safety course. Complete an approved motorcycle safety course.
  • Antitheft devices. Install a device to track and prevent theft of your bike.
  • Military. Get rewarded for your military service.
  • Policy transfer. Switch policies from another provider to McGraw.
  • Rider association. Become a member of one of McGraw’s recognized rider associations.
  • Antilock brakes. Install this safety feature on your motorcycle for additional savings.
  • Multipolicy. Fulfill multiple insurance needs with McGraw.
  • Multicycle. Insure more than one motorcycle with this company.
  • Homeowner. Show that you own your home to receive this discount.
  • First responders. Let McGraw say thank you for your service as emergency personnel.
  • Safe drivers. Have you been accident free for a while? Get rewarded for safe driving.
  • Garage storage. Store your motorcycle in a garage to prevent theft.

What motorcycle insurance coverage does McGraw offer?

McGraw starts you off with the standard insurance coverage you need to protect your ride:

  • Liability. Covers vehicle damage and bodily injuries in an accident where you’re at-fault. Choose coverage maximums up to $250,000 per person or $500,000 per accident
  • Collision. Coverage for damage to your motorcycle, even when you’re the one at fault. Choose a coverage limit up to $45,000.
  • Comprehensive. Protects you from out-of-the-ordinary accidents like theft, vandalism, storms or falling tree branches. Coverage as high as $45,000.
  • Uninsured or underinsured motorist. Pays for damage when the other at-fault driver doesn’t have enough coverage after an accident.
  • Personal injury protection. Protect yourself from expensive medical bills and income loss related to accident injuries.

What extra benefits and add-ons does McGraw offer?

McGraw offers coverage that pays for recommended maintenance on your bike. That means your oil changes and tune-ups are included with your monthly insurance payments, making it easy to budget for bike expenses. Other add-ons include:

  • Accessories. Up to $2,000 of accessories coverage, including coverage for aftermarket parts, riding apparel and safety gear. Included with collision and comprehensive coverage.
  • Roadside assistance. Choose from two levels of coverage that in services that include towing and fluid delivery.
  • Gap insurance. Bridges the gap between your motorcycle loan and the amount you received from a total loss claim after an accident or theft.
  • Priority maintenance. Covers factory-recommended maintenance every 18 or 36 months. This coverage applies whether your bike is new or used.
  • Tire and wheel protection. Pays for tire replacements or wheel repairs that result from glass, potholes, nails or debris. The Plus Plan includes towing reimbursement too.
  • Service coverage. Coverage for mechanical service needs, including servicing your bike’s engine, transmission, drivetrain and brakes. Also includes coverage for rental cars, towing and tires and wheels.
  • Transport trailer. Get protection for the trailer you use to transport your bike around. Choose a coverage maximum up to $10,000.

Alternatives to McGraw

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
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.
The AARP Auto Insurance Program from the Hartford
On the first accident
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA motorcycle insurance
Yes (after 5 years of loyalty)
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get a great deal online with steep discounts and some of the highest liability limits available.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
AAA motorcycle insurance
Included free
Yes, optional extra
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.

Compare up to 4 providers

Pros and cons of McGraw motorcycle insurance


  • Coverage variety. McGraw offers a variety of coverage options, including unique add-ons not offered by competitors.
  • Easy-to-achieve discounts. You may qualify for one of this company’s many achievable discounts.
  • Mechanical service plans. McGraw provides warranties for your motorcycle’s mechanical needs.
  • 24/7 claims. Call the company at any time to report an accident, even if it’s in the middle of the night.
  • Established, stable company. McGraw has provided motorcycle insurance for nearly 40 years, making it an established company in the industry. Its partner company, Pacific Specialty Insurance Company, also boasts an A- financial rating with AM Best.


  • Coverage availability. Motorcycle coverage is not available in every state.
  • No online claims. McGraw doesn’t provide online claims for those who prefer this convenient method. However, it does offer 24/7 phone claims.

How do I make a claim with McGraw?

Report an accident with McGraw 24/7, either by phone or email:

  • Phone. Simply call 800-543-5225 to speak with a representative.
  • Email. To report your claim by email, send your accident information to You can also ask claims questions at

Frequently asked questions about McGraw motorcycle insurance

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