Staying safe on two wheels means more than just wearing a helmet; it means having a good motorcycle insurance policy. Motorcyclists are at a higher risk compared to car drivers, so coverage is critical. For example, the CDC reports helmets cut head injury risk by 69%, but even the safest riders need insurance backup. In many states, carrying bike liability coverage is mandatory to protect you if you injure someone or damage their property. Motorcycle Insurance.
In the meantime, motorcycle collision and comprehensive coverages protect your bike in case you crash or it’s stolen. A smart rider compares a number of plans, considering full coverage for motorcycles-liability plus collision, plus comprehensive discounts for safety courses or anti-theft devices. How it works: This guide reviews the 10 best motorcycle insurance plans/providers of 2025, highlighting affordable rates, coverage features, and rider perks so you can choose the right policy for your bike.
Understanding Motorcycle Insurance Coverage Options?
Understanding coverage options is key. Liability coverage (aka bike liability coverage) is the legal minimum in most states. It pays for damages if you hurt someone or damage another’s car. Collision coverage pays to repair or replace your bike if it’s damaged in a crash, and comprehensive coverage takes care of non-crash losses like theft, fire, Motorcycle Insurance or vandalism.
Together, these are often called full coverage for motorcycles. For example, a full coverage policy typically includes higher liability limits plus collision and comprehensive benefits. Many insurers even offer motorcycle theft protection add-ons: comprehensive coverage will reimburse a stolen bike, and some companies give an anti-theft discount if you install an alarm or LoJack.
Always compare policies carefully – consider what minimum liability is required in your state, then look at collision/comprehensive, and don’t forget extras like roadside assistance or rental reimbursement if you ride daily.
When choosing a plan, factor in cost and discounts. Affordable motorcycle insurance often comes from specialty insurers; for instance, Motorcycle Insurance Dairyland averages only about $22 per month nationally Riders can also trim premiums with safety incentives: many providers grant rider safety discounts if you complete an approved motorcycle safety course For example, GEICO offers a 10% discount for new riders who finish the Motorcycle Safety Foundation course Bundling multiple policies (bike + home, for instance) can further lower rates.
On the flip side, motorcycle insurance, remember that very cheap rates sometimes mean less service or coverage gaps, so balance price with a company’s reputation. According to Business Insider and MoneyGeek rankings, companies like Progressive, GEICO, Harley-Davidson, Dairyland, Markel, and Safeco consistently score high for service, coverage, and price. Below we detail the top 10 companies/plans (in no particular order) to consider, based on expert ratings and customer feedback.
1. Progressive – Best Overall Coverage?
Progressive is a national leader with low rates and robust features. It’s often rated the top choice for most riders. A full coverage Progressive policy costs around $23/month on average – about $10 cheaper than the national norm.
Their standard policy goes beyond basics: it pays to repair your bike without factoring in wear and tear (full replacement cost). Progressive even includes $3,000 of custom parts coverage when you buy collision and comprehensive coverage, with the option to raise this limit to $30,000 for heavily customized bikes.
Plus, they have relatively few complaints (35% fewer than average), indicating quick claims service. Motorcycle. The downside is Progressive Motorcycle Insurance offers a rental reimbursement add-on for bikes, so if you ride daily, you may want another plan or tow/loaner coverage.
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Affordable premiums (~$23/month for full coverage
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Full replacement cost coverage – repairs without depreciation
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$3,000 for custom parts/upgrades (can be increased)
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OEM parts replacement (replaces with same or better parts
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Fewer complaints than average, indicating reliable claims service. Note: No motorcycle rental reimbursement add-on
2. GEICO – Best for Affordability and Easy Payments?
GEICO is known for competitive rates and being easy to manage. It typically isn’t the absolute cheapest, but it offers strong discounts and billing flexibility.
GEICO lets you pay premiums monthly (often with a small fee), which helps riders who prefer budgeting in installments. While their full coverage runs around $36/month on average (about $3 over the national average), you can slash that with discounts. GEICO provides multiple rider safety discounts: for example, Motorcycle Insurance offers a 10% cut for completing an approved safety course and additional discounts for good students or military riders.
They also offer multi-bike and multi-policy discounts (e.g., 10% off for insuring multiple bikes, or 5% if you bundle bike + auto. Note GEICO’s bike policies may lack some add-ons (no OEM parts coverage), but it generally covers standard collision, comprehensive, and liability.
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motorcycle insurance: Monthly payment option (easier budgeting for young riders)
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Multiple discounts: safety course, good student, military, multi-bike
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National coverage (all 50 states) and easy bundling with other GEICO products
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Known for high customer satisfaction in auto (likely extends to bikes)
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Drawback: Not always the absolute lowest rate; limited extra coverage options
3. Dairyland – Best for Cheap Rates?
Dairyland stands out for affordable motorcycle insurance. It consistently offers some of the lowest premiums in the country. On average, Dairyland policies cost about $22 per month, with some riders paying as little as $14 in certain states. This makes it the go-to for budget-minded riders.
Despite the low price, Dairyland still offers valuable coverage: customers can add roadside assistance and even rental reimbursement (which is rare among budget insurers). Notably, Dairyland provides new bike replacement if your motorcycle is totaled within its first three years (usually up to 150% of original MSRP).
The trade-off is customer service: Dairyland has higher-than-average complaints, meaning claims processing can take longer. So while you save money on premiums, be prepared for a potentially slower claims experience.
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Cheapest quotes nationwide (average $22/month for full coverage
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Optional roadside assistance and rental reimbursement add-ons
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New vehicle replacement coverage for bikes under 3 years old (covers them to like-new status
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Many discount opportunities (multi-bike, safety course, professional riders
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Cons: Customer service is weaker (60% more complaints than average)
4. Harley-Davidson Insurance – Best for Rider Discounts?
Harley-Davidson’s in-house insurer is one of the most affordable motorcycle insurance options around – not just for Harley bikes, but for any rider. A full coverage Harley policy averages just $24 per month, about $9 below the national average.
Its standout feature is discounts: Harley-Davidson offers 13 rider discounts to lower rates. Discounts include: anti-theft devices (alarm/LoJack), multi-policy bundling (even with non-insurance products), Motorcycle Insurance claim-free renewal, experienced rider status, completion of Harley riding school, Harley Owners Group membership, homeownership, military/law enforcement, license endorsements, multi-cycle, new bike purchase, and on-time payment.
You can bundle multiple bikes or policies through H-D to maximize savings. Harley’s policies also allow extensive customization: roadside assistance, rental reimbursement, vacation coverage, and, importantly, high limits for custom parts. (However, Harley’s insurer doesn’t sell auto or home insurance, so multi-line bundling is limited to their own bike policies.)
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Low average cost ($24/month for full coverage
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13 discount opportunities (anti-theft, multi-policy, H-D Riding Academy, HOG membership, military, etc.
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Customizable coverage add-ons (OEM parts, roadside, rental, vacation travel coverage)
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Replacement coverage similar to OEM (uses equal-or-better parts)
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Note: Only sells motorcycle insurance (no car/home policies)
5. Markel – Best for Low-Mileage & Specialty Bikes?
Markel might not be a household name, but it’s highly regarded by motorcycle enthusiasts. It specializes in non-standard bikes (custom, vintage, choppers) and low-mileage riders. In fact, MoneyGeek names Markel best for low-mileage riders. If you ride less often or have a collector bike, Markel can tailor coverage to your needs.
It offers agreed-value policies (helpful for custom or classic bikes) and covers specialized gear like helmets and trailers. Markel also provides useful discounts, including bundling multiple bikes and safety training credits.
A downside is that its premiums tend to be higher for high-usage bikes (it’s not designed for heavy daily riders). However, for weekend cruisers and those with unique bikes, Markel’s coverage options and insurer reputation make it a top pick.
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Tailored policies for low-mileage riders and custom bikes
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Agreed-value coverage for classics/vintage (ensures full value)
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Covers gear and accessories (helmets, jackets, trailers)
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Discounts for multiple bikes and safety courses
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Nationwide availability through select agents
6. Foremost – Best for Customized and Vintage Bikes?
Foremost is ideal for owners of heavily customized, antique, or collectible bikes. It allows riders to “design a policy” that covers all their investments. For instance, Foremost offers high limits on custom parts and upgrades (up to $30,000 or more) to protect expensive modifications.
They even have a special vintage bike program (25+ years old). You can add coverage for gear and trailers, so your helmet and jack stand are protected, and Motorcycle Insurance too. In short, Foremost’s flexibility means your unique bike is fully insured. The trade-off is that it’s more expensive and not geared toward basic commuter bikes. But if you’ve poured time and money into customizing your motorcycle, Foremost ensures those customizations are protected.
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Custom parts coverage up to $30,000 (protect your modifications). Agreed-value or classic bike plans for vintage models (25+ years old)
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Add-ons for gear, trailers, and roadside – covers nearly everything
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Available through independent agents nationwide
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Top pick: “Best for customized bikes,” according to Business Insider
7. Safeco – Best for Multi-Policy Discounts?
Safeco (a Liberty Mutual company) is known for great bundling opportunities. If you already have home or auto insurance elsewhere, adding your bike to a Safeco policy can earn you a multi-line discount. Safeco’s motorcycle plans are fully comprehensive: liability, collision, comprehensive (theft), plus optional benefits like personal injury protection and custom part replacement.
Their rates are competitive, especially when combined with other Safeco policies. Like other top insurers, Safeco offers safety-course discounts and theft protection. According to Business Insider, Safeco ranks best for bundling. This makes it a strong choice for riders who want one-stop insurance shopping.
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Bundling discounts for combining bikes with home/auto, or even multiple bikes
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Full coverage options (liability, collision, comprehensive/theft)
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Optional features: OEM part replacement, specialty equipment coverage
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Safety discounts (training courses, anti-theft devices)
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Best for: Riders looking to save on multi-policy packages
8. USAA – Best for Military and Veterans?
USAA serves military members and their families, and for motorcycles, it partners with Progressive. If you’re eligible (active duty, veterans, or their relatives), USAA won’t write a bike policy itself but will refer you to Progressive’s competitive rates. As a perk, USAA members automatically get a 5% discount on Progressive’s motorcycle coverage.
That brings Progressive’s full-coverage rate to about $22 per month, even cheaper than the standard Progressive price. USAA members can also use USAA’s service (24/7 claims, member benefits) while using Progressive’s policy. Bear in mind, USAA/Progressive is only available if you have a military connection. If you qualify, it’s a great way to get discounted motorcycle insurance tailored for service members.
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Referral to Progressive with a 5% discount on premiums
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Average full-coverage Progressive policy ~$22/month after discount
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Access to USAA’s renowned customer service and claims system
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Also offers financing and loans for buying new bikes (one-stop shop)
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Note: Must be military-affiliated (not available to the public)
9. Nationwide – Big Name with Bundling Perks?
Nationwide is a major insurer that also offers motorcycle coverage. While it’s not always the cheapest, Nationwide provides solid all-around service and the convenience of multi-policy discounts. If you already have home or auto with Nationwide, adding your motorcycle can shave off a nice percentage.
Nationwide covers standard needs (liability, collision, comprehensive) and offers extras like roadside assistance and gear coverage. They also have unique features such as a vanishing deductible (the longer you go without a claim, the less you pay out-of-pocket). In summary, Nationwide is a reliable choice for riders seeking affordable motorcycle insurance within a familiar brand, especially if they can bundle multiple policies.
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Multi-policy discounts (bike + auto/home through Nationwide)
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Vanishing deductible program (pay less deductible over time)
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Strong financial ratings and a nationwide agent network
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Standard coverage includes liability, collision, and theft, with optional add-ons
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Good for riders who value convenience and bundling across insurance types
10. Allstate – Nationwide Network with Good Discounts?
Allstate is another large insurer that writes motorcycle policies in most states. It’s known for its agent network and a variety of rider discounts. Allstate’s policies include accident forgiveness for motorcycles, and they offer lower rates to riders who qualify for defensive driving and safety course discounts.
Like Nationwide, Allstate provides bundling savings if you insure multiple vehicles. Its Full Coverage and Total Loss coverage options give extra protection (the bike’s full value if it’s totaled). Keep in mind, Motorcycle Insurance Allstate’s premium rates are often higher than smaller specialty insurers, so shop around. That said, for some riders, Allstate’s customer service and broad availability are worth the price.
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Accident Forgiveness (no rate increase on first at-fault accident)
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Many rider discounts (safe driver, good student, anti-theft, multi-policy)
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Full Coverage and Total Loss Replacement are optional coverages
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Large network of local agents for personal service
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Usually higher rates (not the cheapest option, but reliable and accessible)
Frequently Asked Questions?
Q: What is the best motorcycle insurance company? The “best” insurer depends on your needs and bike. For example, Dairyland has the cheapest rates for most riders, Motorcycle Insurance but Progressive is often best overall thanks to its extra coverage options and strong customer service. Rider profile matters: Progressive is tops for custom or high-value bikes (it includes OEM and custom parts coverage), while Dairyland or GEICO may be best if affordability is your priority
Q: What’s the cheapest motorcycle insurance? Dairyland typically offers the lowest premiums. The national average is around $33/month for full coverage, but Dairyland’s average is about $22/month. GEICO and Harley-Davidson also run below average (~$24-$36/month). Remember that “cheapest” may lack some features; always check coverage details.
Q: Is GEICO or Progressive better for motorcycle insurance? Progressive generally gives you more coverage for less money. Its full-coverage plan costs about $23/month, roughly $13 less than GEICO’s comparable plan.n Plus, Progressive’s basic policy includes extras (OEM parts, custom parts coverage) that GEICO does GEICO, on the other hand, offers convenient payment plans and wide availability, so it’s a strong alternative if you want flexibility. In short, Progressive wins on price and scope for most riders, while GEICO wins on simplicity and customer satisfaction
Q: What does full coverage include on a motorcycle policy? “Full coverage” typically means collision + comprehensive plus above-minimum liability. Collision coverage pays to fix your bike after an accident. Comprehensive coverage handles non-collision losses (theft, fire, weather, etc.).Motorcycle Insurance Liability coverage pays for injury or property damage to others if you’re at fault. For example, if your bike is stolen, comprehensive (theft protection) kicks in. Most riders also carry higher liability limits than the state minimum as part of full coverage. (Some policies add collision deductibles, roadside assistance, or OEM parts coverage for extra protection.)
Q: How can I keep motorcycle insurance affordable? Shop around and ask for every discount. Safe riders can earn rider safety discounts by completing a certified riding course. Security features (alarms, locks) can get an anti-theft discount. Multi-policy discounts are powerful – bundling your bike with home, auto, or even other bikes can save 5–15% or more. Also, compare quotes yearly; rates change over time. Finally, consider usage-based options: if you ride infrequently, a low-mileage discount or payment plan may lower costs.
Q: Do I need motorcycle insurance even if I ride safely? Yes. Even the best riders can’t control others on the road. Insurance protects you from massive bills if a crash occurs. For instance, the Insurance Research Council found that riders with legal help recovered 40% more from claims, highlighting the value of insurance support.
Legally, almost every state requires at least liability coverage for any registered motorcycle. So insurance is not optional – it’s the baseline for riding legally and protecting your finances.
Get a Quote Today: Ready to find the best motorcycle insurance for you? Compare quotes from top companies now and lock in the plan that fits your budget and bike. Have questions or tips? Share your experiences below or tweet this article to help other riders stay safe. Safe riding!
