Rider motorcycle insurance review | finder.com

Rider motorcycle insurance review

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Rider motorcycle insurance
  • Trusted since 1971
  • Local Mid-Atlantic expert
  • Free roadside & other perks

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A local motorcycle-only insurance company with free benefits available in eight states.

  • Get a quote if you prefer a company that specializes in motorcycle insurance
  • Pick something else if Rider doesn’t offer coverage in your state
  • Motorcycle riders of any kind are encouraged to apply
States served Delaware, Indiana, Maryland, Michigan, New Jersey, Ohio, Pennsylvania, Virginia
Roadside assistance Optional
Pay schedule 6 months, custom
Claims methods online, email, phone
Accident forgiveness Yes, accident and ticket forgiveness


  • Motorcycle-only provider
  • Perks and benefits included
  • Free roadside assistance
  • Flexible payments


  • Limited coverage options
  • Discount qualifications
  • Available in 8 states

What motorcycle insurance coverage does Rider offer?

Rider offers the basic coverage you need to get out on the road. This coverage comes standard on all motorcycle policies:

  • Bodily injury liability. Cover medical expenses for the other driver involved when you cause an accident.
  • Property damage liability. Pay for vehicle or other property damages related to your accident.
  • Uninsured and underinsured motorist. Cover your personal injuries when the other driver at fault doesn’t have enough insurance to cover the bill.
  • Roadside assistance. Take care of minor roadside repair needs, including towing, a battery jumpstart, flat tires or emergency fluid delivery.
  • Medical payments. Depending on the state, Rider may also include this coverage on your standard policy. However, this coverage applies to pedestrians injured by your motorcycle, not to the motorcycle driver or passengers.

What extra benefits and add-ons does Rider offer?

The company offers several benefits and add-ons that widen your coverage during an accident:

  • Collision. Pay for repairs to your own motorcycle when you collide with another vehicle or object.
  • Comprehensive. Protect yourself from non-collision accidents — such as storms, broken glass, theft or vandalism.
  • Accessories. Cover expenses for optional equipment, customized parts and paint jobs up to $8,000. This coverage is included on any policy with physical damage coverage and kicks in as a secondary coverage after collision and comprehensive.
  • Safety apparel and trip interruption. Pay expenses for damaged safety apparel — such as your helmet — as well as food and lodging if you’re stuck away from home after a covered accident. This coverage is also included on any policy with physical damage coverage.

What types of motorcycles does Rider cover?

The company covers a variety of motorcycles, including:

  • Cruisers
  • Enduros
  • High-performance motorcycles
  • Off-road vehicles
  • Sport bikes
  • Standard motorcycles

What discounts can I get with Rider?

Rider provides a few discounts you may qualify for:

  • Multibike. Insure more than one vehicle on the same motorcycle policy with Rider.
  • Preferred operator. Find savings for having a clean driving record for three or more years. Must also have a motorcycle license, be at least 26 years old and be insuring a non-sport bike to qualify.
  • Accident and ticket forgiveness. Preferred operators can get minor accidents and traffic violations waived in some cases.
  • Sport bike safe driver. Insuring a sport or high-performance bike? Get a discount if you’re at least 35 years old and have had a clean driving record for three years.
  • Switch and save. Switch coverage on your standard bike to Rider for savings.
  • Delaware safe operator. Get a 10% to 5% discount for completing a state-certified defensive driving course.
  • Virginia defensive driver. Receive 5% off for completing a state-approved safety course for riders over 55 years old.

Pros and cons of Rider motorcycle insurance


  • Motorcycle-only provider. Rider has specialized in motorcycle insurance alone for 45 years and counting.
  • Wide standard coverage. The company includes many benefits in its standard coverage. Competitors often charge extra for similar features.
  • Roadside assistance included. All Rider policies get access to its roadside assistance, a helpful feature during breakdowns on the road.
  • Flexible payments. Choose to pay your premium upfront or in four, six or nine installments.


  • Coverage options. Rider offers several coverage add-ons, but competitors may offer more options.
  • Discount qualifications. To receive a discount, you’ll often have to meet several criteria. Not everyone will qualify for discounts.
  • Not available in every state. Rider currently only services eight states: Delaware, Indiana, Maryland, Michigan, New Jersey, Ohio, Pennsylvania and Virginia.

How to apply for Rider motorcycle insurance

Rider offers several ways to apply for motorcycle insurance, including online, by phone or through a local agent.

Online. Follow these steps to apply online:

  1. Go to Rider’s website and click Motorcycle insurance quote at the top of the page.
  2. Enter your zip code and click Get a quote.
  3. Enter your personal information, motorcycle information and driver details.
  4. Confirm your information, view your quote and choose coverage.

Phone. Speak directly with a representative about your insurance quote by calling 800-595-6393, Monday to Friday from 8 a.m. to 8 p.m. ET.

Local agent. Find an agent near you by clicking Find a Rider authorized agent on the company’s Insurance quote tab. Select your state and enter your ZIP code to bring up any local agent locations.

What info do I need to apply?

Keeping this information on hand will speed up the application process:

  • Personal information: home address, phone number and date of birth
  • Driver’s or motorcycle license number
  • Motorcycle details: make, model and license plate number
  • Driving history
  • Choice of coverage
  • Payment information

How to make a claim with Rider

You can file accident claims with Rider 24/7 online or by phone:

  • Online. Apply online by filling out your state’s claims report form. Once submitted, a representative will contact you within 48 hours.
  • Phone. To file by phone, call 866-211-0055 at any time.
  • Email. If you have general claims questions, you can email claims@rider.com for information.
  • Fax. You can fax claims documents for quick processing at 973-258-9760.

Alternatives to Rider

Name Product Roadside assistance Accident forgiveness Available states
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.
Included free
All 50 states
Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts. Policies come with first accident forgiveness, towing and labor included for Harley-Davidson Touring and Touring Sport bikes, guaranteed manufacturer replacement parts and totaled bike replacement.
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.

Compare up to 4 providers

Bottom line

Rider includes several with its standard motorcycle policies, including uninsured/underinsured motorist coverage and roadside assistance. However, competitors may provide more options overall, and it only offers coverage in eight states.

Compare motorcycle insurance providers to find the best fit for you.

Frequently asked questions about Rider motorcycle insurance

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