Best Motorcycle Insurance

With some of the industry’s lowest rates and good coverage options, Geico motorcycle insurance receives lots of praise. The company’s policies are widely available and it’s easy to save with its various discount opportunities.

Geico motorcycle insurance had the lowest rates overall with minimum coverage quotes starting at $100 per year based on our research. For full coverage, rates started at $462 per year.

Some of the company’s best motorcycle insurance savings opportunities can also be found below:

• Switch from another company discount
• Multi-vehicle discount
• Mature rider discount
• Motorcycle insurance policy renewal discount
• Motorcycle safety course discount
• Motorcycle Safety Foundation instructor discount
• Multi-policy discount or bundling discount

Geico has some of the best motorcycle insurance prices in the industry, and you’ll likely receive a competitive quote from the company.

Geico offers motorcycle coverage choices ranging from basic insurance requirements to protection for sidecars and jackets. Though some other providers offer a greater selection of additional coverage options, you can expect to find enough protection to suit even experienced riders’ needs through Geico.

Geico offers the following coverage options:

• Bodily injury liability coverage
• Property damage liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection
• Uninsured/underinsured motorist coverage
• Accessories coverage
• Roadside assistance and towing

The company holds a sterling reputation across the industry and has an A- rating from the Better Business Bureau (BBB). Geico also holds an A++ financial strength rating from AM Best, highlighting its ability to reliably pay claims out to policyholders.

Geico’s customer review scores are average to low, but this is fairly common within the insurance industry. While the company earns an A- rating from the BBB, it holds a 1.1-star average score out of 5.0 from customer reviews. The insurer also has a 1.3-star rating out of 5.0 from customers on Trustpilot.

Progressive is the country’s most popular choice for motorcycle insurance, and it’s easy to see why. Between the company’s vast array of coverage choices and its willingness to take on high-risk motorcyclists, Progressive motorcycle insurance makes for an appealing and accessible option.

Progressive costs range from $120 per year to $700 per year based on quotes we received from the company. While the company offers cheap motorcycle insurance, they are not the lowest-cost option on the market.

Progressive also has an impressive list of available discounts. You’ll also notice below that most savings opportunities are accessible to just about any motorcyclist.

• Quote-in-advance discount
• Multi-policy/bundling discount
• Association member discount (for members of the Harley Owners Group or USAA)
• Motorcycle license endorsement discount
• Motorcycle safety course discount
• Switch from another company discount
• Responsible driver discount
• Pay-in-full discount
• Pay-on-time discount
• Automatic bill-pay discount

Progressive offers one of the largest coverage selections for motorcycle insurance on the market. They offer the following coverage options:

• Bodily injury liability coverage
• Property damage liability coverage
• Collision and Comprehensive coverage
• Personal injury protection
• Medpay coverage
• Carried contents coverage
• Uninsured/underinsured motorist coverage
• Accessories coverage
• Enhanced injury protection
• Total loss coverage
• Roadside assistance

Industry leaders hold the company in high regard, and customers find peace of mind in the company’s A+ financial strength rating from AM Best. This positive score indicates that the company is financially capable of fulfilling its claims obligations. Progressive also has an A rating from the BBB.

Customer satisfaction isn’t quite as strong with Progressive. The company has a 1.1-star customer rating out of 5.0 on the BBB. Again, low customer service scores are fairly normal in the insurance industry, so it’s not a huge cause for concern.

Our team reached out to Progressive for a comment on this score but did not receive a response.

State Farm is the country’s largest insurance provider, but it maintains a local touch. Since agents are spread across the U.S., you’ll benefit from the opportunity to find top-notch coverage from your local State Farm motorcycle insurance agent.

State Farm typically has competitive rates for auto insurance, and you can expect the same with its motorcycle insurance. It can be hard to tell exactly how much you’ll pay with State Farm since the company generally asks customers to reach out to local agents instead of going online.

It’s worth checking out the company’s new motorcycle insurance rating tool. It allows you to get a general idea of how expensive a certain bike will be to insure so you know what to expect. You may pay slightly more with State Farm, but you’ll also receive personalized service.

Our review team reached out to State Farm for a comment on its motorcycle insurance rates and received the following response:

“State Farm seeks to provide great value to our customers by providing competitive rates in auto, home, renters and motorcycles. When it specifically comes to motorcycle rates, State Farm works hard to offer customers the best combination of price, service, and protection. We absolutely value the relationships we have with our customers, and we strive to be the customer’s first and best choice in the products and services we provide.”

State Farm motorcycle insurance coverage information isn’t the easiest to come by, mainly because the company directs customers to local agents instead of its website. The provider tends to have reasonable coverage options that can fit most riders’ needs.

Below is a list of the top State Farm motorcycle coverage choices:

• Bodily injury liability coverage
• Property damage liability coverage
• Collision coverage
• Comprehensive coverage
• Medical payments coverage
• Uninsured/underinsured motorist coverage
• Protective gear coverage
• Sidecar coverage
• Roadside assistance and towing
• Trip interruption benefits

If you’re looking for coverage that’s not on this list, reach out to your local State Farm agent so they can help you find the best motorcycle insurance policy for your needs.

State Farm holds an A+ rating from the BBB and is well-regarded in the industry. The provider also holds an A++ financial strength rating from AM Best.

State Farm motorcycle insurance costs a bit more than coverage from competitors, but the provider’s service standards make up for the price difference. State Farm’s headquarters has a 4.3-star average rating out of 5.0 from more than 920 Google reviews, which is impressive in the industry.

Dairyland offers some of the best motorcycle insurance for high-risk riders, as the provider is known for offering bargain rates to even those with checkered driving records. However, Dairyland motorcycle insurance is not available nationwide, so you’ll need to verify whether it’s available in your state before getting a quote.

Dairyland motorcycle insurance rates are generally quite affordable, especially for high-risk motorists. Coverage pricing ranges anywhere from $98 to $1,400 per year for policies based on our research.

A few discount opportunities for motorcyclists can be found on Dairyland’s website, including:

• Transfer discount
• Multi-cycle discount
• Homeownership discount
• Loyalty discount
• Harley Owners Group (H.O.G.) discount
• Rider group discount
• Rider course discount

You’ll find an extensive list of motorcycle insurance coverage options available through Dairyland. Whether you want to protect your passengers on the open road or insure optional equipment, the company has your needs covered.

The complete list of Dairyland motorcycle insurance coverages includes:

• Bodily injury liability coverage
• Property damage liability coverage
• Collision coverage
• Comprehensive coverage
• Medical payments coverage
• Personal injury protection
• Uninsured/underinsured motorist coverage
• Special equipment coverage
• Replacement cost coverage
• Passenger liability coverage
• Physical damage plus coverage
• Roadside assistance and towing
• Rental vehicle insurance

Dairyland is a much smaller name than the providers listed above, but it has an A+ rating from the BBB and an A+ financial strength rating from AM Best.

Dairyland motorcycle insurance gets mixed reviews online. While customers give Dairyland 4.4 out of 5.0 stars on Trustpilot, the company receives 1.1 stars out of 5.0 from customers on the BBB website. Positive Dairyland reviews praise the company’s affordable prices and helpful customer service representatives. Complaints about the company tend to focus on issues with its claims process.

Our team reached out to Dairyland for a comment on these scores but did not receive a response.

Erie Insurance doesn’t offer a huge number of motorcycle coverage options, but the company is known for its exceptional customer satisfaction and affordable pricing. That said, the types of coverage it offers are quite limited and its plans are unavailable in major states like California, Texas and Florida.

You’re likely to find competitive rates from Erie Insurance, but they may not be quite as affordable as premiums from the industry’s top providers. The best way to tell whether Erie could offer the best motorcycle insurance prices for you is by comparing quotes from the company with those from other leading providers.

As with State Farm, the best way to connect with Erie is by visiting one of its 13,000 local agents, although you can also start the quote process online.

Erie Insurance has some basic offerings when it comes to motorcycle policy options:

• Bodily injury liability coverage
• Property damage liability coverage
• Collision coverage
• Comprehensive coverage
• Medical payments coverage
• Uninsured/underinsured motorist coverage
• Roadside assistance and towing

Keep in mind that your motorcycle’s safety features, gear, safety apparel and special touches are covered under Erie’s basic coverage plan. These choices aren’t available as add-ons because they’re protected right from the start.

Erie has an A+ rating both from the BBB for good business practices and an A+ from AM Best for financial strength. Erie Insurance is also a standout performer when it comes to customer service, with policyholders praising its welcoming local agents and specialized offers.