Compare and save on motorcycle insurance
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Our editorial team compared key factors in shopping for bike insurance to rank the best motorcycle insurance companies by category. We measured each company based on its coverage, benefits, customer experience, pricing, discounts and financial strength to pay out claims.
Plus, you won't pay extra to insure bike upgrades or accessories up to $3,000.
| States served | All states except CA MA ME NJ NY WA |
|---|---|
| Roadside assistance | Optional |
| Pay schedule | 12 months, 6 months |
| Claims methods | online, phone |
| New car protection | Yes |
| Accident forgiveness | Yes |
| States served | All 50 states |
|---|---|
| Roadside assistance | Included free |
| Pay schedule | 12 months, monthly |
| Claims methods | online, phone, in-person |
| New car protection | Yes |
| Accident forgiveness | Yes |
★★★★★
Geico also covers nearly any motorcycle, including sport bikes, dirt bikes, cruisers, scooters and customized rides.
| States served | All 50 states |
|---|---|
| Roadside assistance | Optional |
| Pay schedule | 12 months, 6 months, monthly |
| Claims methods | online, email, phone |
| New car protection | Yes |
| Accident forgiveness | Yes |
★★★★★
| States served | All 50 states |
|---|---|
| Roadside assistance | Optional |
| Pay schedule | monthly |
| Claims methods | online, email, phone |
| New car protection | No |
| Accident forgiveness | Yes |
★★★★★
Plus, get discounts for taking a safe riding course, having a motorcycle license, riding a new bike or being an experienced rider.
| States served | All states except AK HI DC |
|---|---|
| Roadside assistance | Optional |
| Pay schedule | custom |
| Claims methods | online, phone |
| New car protection | No |
| Accident forgiveness | Yes |
Learn about your state’s required minimum coverage, and search for companies that offer what you need based on your driving habits and the type of bike you have. For example, if you take long road trips, roadside assistance, trip interruption and replacement cost could come in handy. But basic coverage might be enough for weekend rides near your home.
Terms and conditions can be difficult to untangle, but look for key features when considering whether a coverage type is right for you.
| Coverage | What’s covered? |
|---|---|
| Property damage liability | Damages to someone else’s vehicle or property |
| Bodily injury liability | Medical bills and other related costs, if you injure someone else |
| Collision | Your motorcycle if it’s damaged or written off after an accident |
| Uninsured or underinsured coverage | You, if the person at fault doesn’t have enough coverage for your damages |
| Emergency travel accommodation and repairs | Hotel rooms and assistance getting home if you have an accident far from where you live |
| Rental car | Temporary rental car while your motorcycle is off the road |
| New motorcycle replacement | Your motorcycle, replacing it with the same model if it’s stolen or written off |
| Personal property | The gear you’re carrying when you crash |
| Riding gear | Your leathers and helmet if they’re damaged in an accident |
| Comprehensive coverage | Your motorcycle against theft, vandalism, extreme weather and other damage |
| Gap coverage | The balance on your motorcycle loan if your ride is stolen or written off |
In such a competitive market, you’ll want to compare several bike insurance companies for their coverage and price point. Consider that a motorcycle-specific insurance company may offer better customer service and coverage, while a traditional insurance company might offer cheap rates and discounts for bundling with other types of insurance.
If an insurance company offers free coverage or perks like accident forgiveness, these might save you money since you won’t pay for the extra coverage or for higher premiums after an accident.
See which company offers the most savings for discounts you could qualify for, such as discounts for multiple vehicles, completing a motorcycle safety course or getting your motorcycle license. Also, if your bike’s kept in secure off-street parking, you might see an extra discount.
A higher deductible can reduce your premiums, but you’ll want to have enough in savings for repairs or a new bike. If you don’t want that responsibility, keep your deductible at a comfortable level for your wallet, and see which companies offer you the best deal for that deductible.
The type of bike you ride affects the coverage and amount of insurance you’ll need. You might want to protect a new, full-powered bike with more comprehensive coverage than, say, a cheap moped or used 20-year-old scooter.
Think too about how you use gear typically associated with riding a bike. For instance, coverage for a replacement helmet is important for everyone. But if you don’t carry your gear with you on your bike, then you might not need it.
While full coverage insurance covers a lot of what can go wrong with your motorcycle, it isn’t necessarily the best value for all situations.
To avoid overinsuring your bike, consider what it’s worth and how you use it. For example, a 10-year-old 300cc bike might not need comprehensive insurance, as you could end up paying more to insure the bike than it’s actually worth. And a dirt bike that you put on a trailer and take to the farm might not need collision or comprehensive insurance.
You’ll need to prove ownership and insurance before getting your license plate handed to you.
Find customized coverage fit for your rental customers or crew.
Does your city or state rank on these foreboding lists?
Salvage your bike’s roadworthy reputation with a safety-focused rebuild and rebuilt title, then get insurance.
You might need specialty insurance for bike racing, unless your insurer gives the green light on noncompetitive events.
Get the coverage you need for your three-wheeler.
AMA offers free roadside assistance to members.
How to get coverage after a DUI.
Compare reviews from the top motorcycle insurance companies.
Compare required coverage, laws and discounts for motorcycle insurance in your state.
