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Compare seasonal motorcycle insurance

Cover your bike for ride-worthy seasons and save when it’s collecting dust.


Seasonal motorcycle insurance provides coverage for the seasons you ride in the most — spring, summer and fall. And it reduces your coverage and your premium when winter comes around. Compare seasonal, lay-up, temporary or motorcycle storage policies.

How does seasonal motorcycle insurance work?

Different companies handle seasonal motorcycle insurance in different ways.

For example, many northern companies offer motorcycle lay-up policies, in which all coverage except comprehensive is suspended during winter months — which covers your bike if, say, a tree falls on your garage. These policies offer both flexibility and savings since policyholders don’t have to maintain full coverage or cancel the policy entirely.

Other companies may not offer a specific lay-up policy but do allow similar reductions if asked. In this case, you’ll likely need to speak with a representative to work out the situation.

Once you’ve purchased a seasonal motorcycle policy, you can use your motorcycle under your policy’s protection during the seasons stated in your policy. These usually include spring, summer and fall.

In the off season, however, you should refrain from using your bike at all, since it won’t be fully insured. If you’re maintaining comprehensive coverage, your insurance company may also require you to store the bike in a garage.

What’s included with seasonal motorcycle insurance?

Seasonal motorcycle insurance can cover all your basic needs plus any add-ons. However, the main characteristic of this policy is that it won’t cover the months you choose to forgo insurance.

Coverage that may be included during your policy period:

  • Liability. Pays for expenses related to bodily injuries or vehicle damage inflicted on another driver.
  • Collision. Covers physical damage to your motorcycle when you’re at fault.
  • Comprehensive. Pays for damages not related to collisions — like theft, weather damage or vandalism.
  • Uninsured/underinsured motorist. Protects you from other drivers without enough insurance to cover accident damages.
  • Loan/lease gap. Provides coverage for total loss accidents in which you still owe money on your loan or lease.
  • Medical payments. Covers expensive medical bills for you and your passengers stemming from an accident.
  • Roadside assistance. Provides minor roadside repairs and towing if your bike breaks down.
  • Trip interruption. Pays for lodging, food and transportation should your motorcycle break down away from home.
  • Safety gear. Covers your protective gear such as your helmet, boots or eyewear.
  • Optional motorcycle equipment. Protects customizations you’ve added to your bike, like extra chrome.

    Best for bikes: Progressive motorcycle insurance

    Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.

    • Starting rates from $75 per year, below national average
    • Accident forgiveness for small claims or staying claim-free
    • Free original parts, replacement cost & accessories coverage up to $3K
    • Long list of discounts, like for riding groups or a motorcycle license

    Compare companies that offer seasonal motorcycle insurance

    Name Product Roadside assistance Accident forgiveness Available states
    Progressive motorcycle insurance
    Yes (earned after 3 years with no accidents and 4 years of loyalty)
    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.
    Esurance motorcycle insurance
    Included free
    43 states
    Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
    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.
    The General motorcycle insurance
    43 states
    Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.

    Compare up to 4 providers

    Is seasonal motorcycle insurance worth it?

    Opting for seasonal coverage could save money and prevent waste since you’re not paying for motorcycle insurance all year long. This coverage works well for drivers who:

    • Ride only during certain seasons and not in others, like winter
    • Want to save money
    • Need less than full protection for their bikes while in storage

    What if I can’t get seasonal motorcycle insurance?

    If your current insurance company doesn’t offer seasonal motorcycle insurance, you’ll need to maintain coverage and pay a premium year-round. It’s not ideal for saving money, but could help you stick with your current preferred insurer and keep any perks like a loyalty discount, claims-free bonus or accident forgiveness.

    Another option is to cancel your policy for the winter. Keep in mind, though, that canceling a 12-month policy early may not provide the same savings. That’s because some insurance companies factor the usual riding season into their rate already, providing a lowered rate year-round. In addition, your insurance company may choose not to insure you again if it sees a cyclical pattern of canceling and renewal.

    Seasonal motorcycle insurance in action

    Jackie loves riding her motorcycle in her small Pennsylvania town during most seasons. But she knows she’ll stop riding once the cold weather hits. Jackie calls her current insurance company to see whether it offers lay-up policies.

    She discovers that it doesn’t have an official seasonal policy, but the company agrees to reduce her coverage during the winter months. The reduced policy will provide Jackie with minimal liability limits and higher deductibles on all other added coverage. This situation proves ideal for Jackie, who may want to take her bike out for a ride during an unusually warm winter day.

    What’s not covered by seasonal motorcycle insurance?

    Under a seasonal motorcycle policy, coverage varies based on the current season of the year. Usually, spring, summer and fall will provide full protection for the coverage you choose to purchase.

    However, during the off season, your coverage will be suspended or reduced. Note that comprehensive coverage often remains intact during this time. Coverage that may get suspended or reduced includes:

    • Liability
    • Collision
    • Optional equipment
    • Uninsured/underinsured motorist
    • Loan/lease gap
    • Medical payments
    • Roadside assistance
    • Trip interruption
    • Safety gear

    Bottom line

    Seasonal motorcycle insurance can offer savings if you’re not using your motorcycle during certain seasons, like winter. In effect, this policy means your bike may not be adequately insured for riding during the off-season.

    Compare motorcycle insurance options for the right amount of seasonal coverage for you.

    Get cheap bike coverage

    Compare motorcycle insurance near you.

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