Compare motorcycle towing insurance | finder.com
Motorcycle towing insurance

Compare motorcycle towing insurance

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Peace of mind for your next long-distance road trip

Roadside assistance could come in handy if your motorcycle breaks down on the side of the road. Ideal for road trips or daily riders, towing coverage protects your trip from popped tires, dead batteries and more — for about $2 a month.

Is motorcycle towing insurance worth it?

Motorcycle towing and roadside assistance is a cheap add-on to your policy. Not only will you get peace of mind about towing costs, but you can also cover other roadside help. You can often add this coverage to your policy for as little as $20 per year.

Bike breakdowns are a bit different from cars, since you could theoretically bring your bike home in a pickup truck, bike lift or motorcycle trailer. But not everyone has access to another vehicle for transporting a dead bike or for daily driving while your bike is in the shop.

On road trips especially, you might not be able to get a friend to come pick you up or give you a jump start. That’s where roadside assistance shines — by allowing you to call anytime for repairs or to get a ride back home.

Compare motorcycle policies with roadside coverage

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.
Optional
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.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
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
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
No
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
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
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.
Optional
Not specified
IL, IN, MD, TN, TX, VA

Compare up to 4 providers

What’s covered with roadside assistance for motorcycles?

Roadside coverage lets you request help for minor repairs or assistance so you’re not left stranded on the side of the road.

Coverage often included in roadside assistance:

  • No-cost towing within a specified distance
  • Motorcycle retrieval if stuck in a ditch or similar situation
  • Flat tire
  • Engine jumpstart
  • Lost key service
  • Fuel, oil or water delivery

How does motorcycle towing insurance work?

Towing and roadside assistance coverage works differently from other insurance coverage. Rather than filing a formal claim, you simply call your emergency roadside number to receive assistance.

Your insurance company usually sends out a tow truck to help you reach the nearest service shop. Most policies cover towing to the nearest repair shop up to a specified distance. If you exceed that distance, you may be charged a fee per mile.

In some cases, your insurance will ask you to call a local towing service and keep expense records. Then, contact your insurance company to request reimbursement later.

Case study: Motorcycle towing insurance in action

Bobby is out riding his bike in a remote spot over 100 miles from home. Suddenly, he has unexpected engine problem that forces him to pull over.

Knowing he has towing insurance, Bobby pulls to the side of the road to call a local tow truck, which helps him get to the nearest repair shop located 40 miles away. His policy only covers the tow truck up to 35 miles.

He pays for the tow truck and labor expenses upfront, then files for reimbursement from his insurance company later. Once the claim is settled, Bobby pays only $10 for the extra towing mileage. He’ll also pay for the motorcycle repairs out of pocket.

What’s not covered by motorcycle towing insurance?

You may not be able to use your towing or roadside assistance coverage in some situations:

  • Service call limits. You may be limited on the number of service calls you make. If you go above the limit, you could experience a premium increase or be denied roadside service.
  • Mileage limits. Many companies specify a maximum distance for towing your motorcycle. You may pay extra fees if towing goes beyond that distance.
  • Repair shop fees. Towing insurance may get you to the repair shop, but you’ll pay for any repairs once you’re there.

How do I get roadside assistance?

You can easily purchase this coverage or add roadside assistance to an existing policy:

  1. Compare insurance providers that offer towing or roadside assistance. If you already have motorcycle insurance, you could check coverage options with your current provider.
  2. Determine whether you need only towing services or a full suite of roadside assistance, such as fluid delivery, tire repairs, battery jumpstart, locksmith services and even trip interruption.
  3. When comparing providers, you’ll want to look at which situations are covered by the policy, rates, packages, discounts and special requirements or stipulations. For example, some companies only allow you to use roadside assistance for a set number of times per policy period.
  4. Choose a provider that best meets your towing insurance needs, complete an online or phone application and start your policy.
  5. To add to an existing policy, simply contact your insurance company by phone to let them know the change. Many insurance companies allow you to add coverage directly from your computer or phone by logging into your customer account.

Bottom line

Motorcycle towing insurance covers the cost of a tow truck if your motorcycle breaks down on the road. This coverage is often added to motorcycle roadside assistance, which provides additional assistance for minor repairs.

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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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