Best Motorcycle Insurance Quotes and Companies

See If You Qualify for Lower Rates

Like any other vehicle, motorcycles require insurance coverage to safeguard against potential road risks. At TrySmartly, we've streamlined the insurance search process to make it simple, fast, and free.

TrySmartly can help you make smarter insurance decisions to safeguard your ride, so you can focus on what matters most – hitting the open road with confidence.

What Does Motorcycle Insurance Cover?

Here are some of the most common coverage options for motorcycle owners:

This coverage helps pay for medical expenses and legal fees if you cause an accident and someone gets injured. It doesn't cover your injuries but rather the injuries of any other parties involved. This type of motorcycle coverage is required in most states.

This coverage helps pay for repairs or replacement of another person's property if you cause an accident. It doesn't cover damage to your motorcycle but rather the damage you might inflict on someone else's vehicle or property. This type of coverage is required.

This coverage pays for damage to your motorcycle resulting from incidents other than collisions, like fire, theft, or vandalism. Comprehensive coverage is optional.

This coverage pays for damage to your motorcycle in case of an accident, regardless of who’s at fault. Collision coverage is optional.

This provides protection if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses. This coverage is also optional.

This covers necessary medical treatment for you and your passengers if you’re injured in a motorcycle accident, regardless of who’s at fault. This coverage is also optional.

Having all these coverages is what constitutes a full coverage policy. Some people may want to also add extra protection, such as roadside assistance, trip interruption, and custom parts coverage. These optional benefits can add cost to your premium but offer additional protection and peace of mind.

Don't wait – see how much you could save on your motorcycle insurance today.

Best Motorcycle Insurance Companies

Choosing the best motorcycle insurance isn't solely about finding the cheapest rates but rather identifying providers offering comprehensive coverage and exceptional customer service that fit your budget.

This table summarizes some best motorcycle insurance companies in the market:

Insurance Company Policy Highlights Average Monthly Premium* A.M Best Rating Discount Options
  • Standard coverage, including rental reimbursement and funeral expenses
  • Detailed roadside assistance plan
  • Extra accessory coverage for parts that are not part of the stock unit
$69 A
  • 10% switching discount
  • Safety course and safe driver discount
  • Renewal discount
  • Anti-lock brakes and anti-theft alarm discount
  • Offered through Progressive but with discounts applied for military personnel
  • Motorcycle loans and financing options
N/A A++
  • Bundling discount for insuring several bikes
  • Safety training discount
  • Good driver discount
  • Standard coverage, including full replacement cost
  • Extra original equipment manufacturer (OEM) coverage
  • Diminishing deductible rate
$52 A+
  • Bundle discount
  • Safety course discount
  • Paid in full discount
Harley Davidson
  • Extensive list of covered motorcycle types
  • Optional equipment replacement cost for total losses
  • Financing options and Harley family advantage
$100 N/R
  • Experienced driver discount
  • Harley Owners Group member discount
  • Bundle discount
  • New bike discount
  • Claim-free discount
  • Motorcycle apparel coverage included with vintage motorcycle plan
  • Diminishing deductible rate
  • Extra roadside assistance and OEM coverage
$49 A+
  • Bundle discount
  • Paid in full discount
  • Anti-lock brakes and anti-theft alarm discount
  • Riding association membership discount
*The average monthly premiums are estimated for a full coverage policy, including comprehensive and collision coverage, as well as slightly higher liability limits than the minimum requirement. **USAA is available only to military personnel, veterans, and their families.

Cheap Motorcycle Insurance

Through TrySmartly, you can gain insight into the policy options, average premiums, and discounts from top providers. You may find coverage options that fit your needs and help you save.

To guide you in your search, here's a recap of some of the cheapest companies in the industry:

Insurance Provider Average Monthly Premium Average Yearly Premium
Nationwide $49 $588
GEICO $51 $612
Progressive $52 $624
Markel $69 $828
Allstate $71 $852
Dairyland $73 $876

Best Auto and Motorcycle Insurance Bundles

Coverage options for motorcycles and other vehicles differ, but most companies offer discounts for buying protection on multiple vehicles. Bundling auto and motorcycle coverage can help you save money and streamline your payment and claims process.

Here are some of the best and cheapest auto and motorcycle insurance bundles:

Insurance Company Bundling Discount Motorcycle Coverage Highlights Auto Coverage Highlights
Geico Up to 5%
  • Accessories coverage
  • Helmet coverage
  • Emergency roadside assistance
  • Mechanical breakdown coverage
  • Rental reimbursement
Progressive Up to 10%
  • Full replacement cost
  • No depreciation for parts
  • Accessories and custom parts coverage
  • OME
  • Carried Contents Program
  • Snapshot safe driving discount
  • Rideshare coverage
  • Custom parts coverage
Liberty Mutual Up to 10%
  • Better Bike Replacement Program
  • New motorcycle replacement
  • Accident forgiveness
  • Better Car Replacement Program
  • New car replacement
  • Original parts replacement
  • Gap insurance
Nationwide Up to 10%
  • Custom equipment coverage (up to $30,000)
  • OEM
  • Roadside assistance
  • Usage-based SmartRide and SmartMile Programs
  • Rental car coverage
  • Accident forgiveness
  • Roadside assistance

Best Liability and Full Coverage Motorcycle Insurance

Liability-only insurance provides protection only for injuries and damage you cause to others and is usually the only state-required protection type.

On the other hand, full coverage refers to having additional collision and comprehensive coverage. While considering various companies, Dairyland stands out for its extensive options and reputation.

A.M. Best Rating


Average monthly cost for full motorcycle coverage


Renowned for its extensive coverage options and competitive prices, Dairyland can be a good choice for motorcyclists seeking robust liability and full coverage motorcycle insurance. Even though it may be a little more expensive than other companies on our list, it may be suitable for those who ride frequently and need comprehensive coverage.

Coverage Options: Dairyland offers the following coverage options for motorcyclists:

  • Bodily injury and property damage liability
  • Collision and comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments to others
  • Personal injury protection (PIP), which covers your medical expenses, lost wages, and other related expenses, regardless of who's at fault
  • Optional special equipment coverage of up to $1,000 in customizations

Discounts: Some of the discount options at Dairyland include:

  • Multi-cycle discount for insuring more than one motorcycle
  • Safety course discount for taking their special riding course
  • Loyalty discount for staying with Dairyland for a certain time period
  • Transfer discount for switching to Dairyland from another company
  • Homeowner discount for bundling homeowners’ insurance with motorcycle coverage

Average Price: Dairyland’s average cost for full motorcycle coverage is about $73 monthly.

TrySmartly provides you with the resources to make smarter insurance decisions. You may find a motorcycle coverage option that saves you money without sacrificing safety. Here are some other top full coverage motorcycle insurance providers:

Insurance Company Average Monthly Premium Average Annual Premium
GEICO $612 $110
Progressive $52 $624
Nationwide $49 $593
Allstate $71 $854

Don't miss out – discover how much you could be saving on motorcycle insurance today.

Best Custom Motorcycle Insurance

Custom motorcycles often feature personalized modifications, aftermarket parts, and specialized paintwork. These additions may need extra coverage. For these upgraded bikes, Progressive can provide comprehensive protection.

A.M. Best Rating


Average monthly cost for full motorcycle coverage


Progressive's coverage options make it an attractive choice for custom motorcycles. Many of their coverage options for custom bikes come at no extra cost. For instance, Progressive’s full replacement cost coverage is included in all its policies.

Coverage Options: Progressive’s motorcycle coverage options include the following:

  • Bodily injury and property damage liability
  • Uninsured/underinsured motorist coverage
  • Comprehensive and collision coverage
  • Medical payments
  • Full replacement cost and no depreciation for parts
  • Accessories and custom parts/equipment
  • OEM parts, which guarantees that any original and custom parts on your vehicle will be replaced with the same parts
  • Total loss coverage for a new motorcycle
  • Roadside and trip interruption
  • Carried Contents: covers personal belongings that you carry if they’re damaged due to a covered loss, like phones, hunting gear, and camping equipment

Discounts: Progressive offers the following list of discounts to potential policyholders:

  • Multi-policy or bundling discount
  • Responsible driver and claim-free discount
  • Pay on time discount
  • United States Automobile Association or Harley Owners Group membership discount
  • Homeowner discount for owning a mobile home, townhome, or condo

Average Price: The average cost for a full motorcycle coverage policy is approximately $52 per month.

Best Vintage Motorcycle Insurance

A.M. Best Rating


Average monthly cost for full motorcycle coverage


Vintage motorcycles typically require special assistance and insurance, as they may deal with rare and hard-to-find parts. Foremost stands out as a preferred choice due to its specialized coverage tailored to vintage or special-edition motorcycles. They cover bikes 25 years old or older and special-edition bikes with more than $30,000 of customization.

Coverage Options: Foremost offers the following types of coverage for vintage motorcycles:

  • Bodily injury and property damage liability
  • Collision and comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments for others
  • Safety apparel coverage of up to $1,500
  • Custom parts coverage of up to $30,000
  • Transport trailer coverage
  • Roadside assistance with trip interruption coverage
  • Towing and roadside assistance, which covers the cost of towing and labor, should your bike break down during a ride
  • Enhanced injury protection

Discounts: Foremost provides the following discounts for motorcycle insurance:

  • Multi-cycle discount for insuring more than one motorcycle
  • Multi-policy bundling for other policies
  • Endorsement discount for those who have met state requirements to have a motorcycle endorsement on their driver’s license

Average Price: The average quote of Foremost’s full coverage motorcycle insurance is about $88 monthly.

International Motorcycle Insurance

If you plan to explore other countries on your motorcycle, consider opting for international motorcycle insurance.

International motorcycle insurance policies typically offer similar coverage options as domestic ones, such as liability coverage, collision and comprehensive coverage, and more. However, navigating the international landscape can sometimes be challenging due to differing laws, regulations, and requirements between countries. Here are a few points to consider:

Ensure that your driver’s license and motorcycle registration are valid and recognized in the countries you plan to visit. Some countries require an International Driving Permit with a motorcycle endorsement in addition to your home country’s license.

Insurance laws vary greatly by country. Some countries require specific types of insurance, like full coverage, while others might have more relaxed rules.

Some domestic insurers offer short-term international motorcycle insurance policies for specific trips. However, if you plan to stay abroad for a long time, you might consider contacting local insurance policies to search for long-term protection.

Understand how to file a claim while abroad and what assistance is available from your insurer in case of an accident.

Your premiums may be affected by factors like your destination, the duration of your trip, the type of motorcycle you’re riding, your riding experience, and more.

Shop motorcycle insurance the smarter way.

What Goes into Motorcycle Insurance Price?

Motorcycle insurance rates depend on a range of factors, including:

The make, model, and year of the bike can significantly impact the cost. High-performance or luxury bikes like sports or touring bikes typically cost more to insure due to the increased replacement and repair costs.

Younger riders are often considered high-risk because of their lack of experience. As a result, they typically have higher premiums.

Motorcycle insurance rates may vary based on your state and ZIP code. Areas with high traffic, claims, underinsured and uninsured drivers, and theft rates typically have higher insurance rates.

Riders with more experience typically pay less for their premiums. Others with a history of tickets, claims, and traffic violations typically pay higher premiums.

Some insurers may also use your credit score to quote you. Drivers with lower credit scores tend to have higher rates. However, this is illegal in some states.

The types and amount of coverage you choose will significantly affect the price. More coverage and higher limits typically cost more.

Secure your savings now – explore what you could save on your motorcycle insurance.

How Much is Motorcycle Insurance?

Motorcycle insurance costs vary significantly depending on the aforementioned factors and the insurance company you find coverage through.

The national average motorcycle insurance rate is $178 per month. However, some states may have higher rates due to weather-related incidents, rates of claims, traffic congestion, and number of uninsured or underinsured drivers.

This table summarizes the average monthly and annual motorcycle insurance premiums in eight U.S. states:

State Average Monthly Premium* Average Annual Premium
California $514 $6,492
Florida $159 $1,908
Illinois $117 $1,404
New York $168 $2,016
Ohio $97 $1,164
Pennsylvania $151 $1,812
Texas $161 $1,932
Wisconsin $60 $720
*The average premiums in each state are estimated for a full coverage policy with minimum liability, comprehensive, collision, and uninsured motorist coverage with a $500 deductible.

Average Motorcycle Insurance Rates Per Company

Motorcycle insurance rates also vary by company based on how they analyze your personal factors and determine risk. Here's how rates can vary by provider and type of bike:

Insurance Company Standard Bike Annual Premium* Sports Bike Annual Premium Touring Bike Annual Premium
Progressive $398.07 $2,083.55 $1,101.18
Geico $408.65 $2,171.65 $893.43
Dairyland $424.81 $1,363.97 $862.90
Allstate $669 $3,171 $1,471

*The premiums are estimated based on minimum coverage with limits of $30,000 for bodily injuries per person, $60,000 for bodily injuries per accident, and $24,000 for property damage.

Motorcycle Insurance FAQ

If you still have some unanswered concerns, here are some frequently asked questions:

When to Consider Liability-Only Coverage?

Liability-only coverage for motorcyclists might be suitable in the following situations:

  • Older Motorcycles: If the motorcycle's value has depreciated significantly, comprehensive or collision coverage might not be cost-effective.
  • Infrequent Use: An option for those who ride their motorcycle occasionally and not as their primary mode of transportation.
  • Safe Storage: Store the bike in secure locations, like a locked garage, which reduces risks like theft or weather damage.
  • Ownership Status: Ensure the motorcycle is fully paid off, meaning there is no lender requiring comprehensive or collision coverage.
  • Financial Preparedness: Make sure you have adequate savings or other means to repair or replace the motorcycle in case of an accident or loss.

When to Consider Full Coverage?

Full coverage insurance for motorcyclists might be suitable in the following situations:

  • New Motorcycles: For brand-new or recent models, full coverage ensures protection against potential repair or replacement costs.
  • Financed Motorcycles: Lenders typically require borrowers to maintain full coverage to protect the value of the motorcycle until it's paid off.
  • High Value: If the motorcycle has significant value, either due to its make, model, or custom modifications, ensuring comprehensive protection is beneficial.
  • Frequent Use: For motorcyclists who use their bike regularly or as their primary mode of transportation, the chances of incidents increase, making full coverage advisable.
  • High-Risk Areas: Living in areas with high theft rates, potential for vandalism, or prone to severe weather can justify the need for full coverage.
  • Limited Financial Reserves: If you aren't in a position to bear the repair or replacement costs out-of-pocket, full coverage can provide peace of mind.
  • Desire for Added Protection: For those wanting coverage for personal injuries, medical payments, or under/uninsured motorist protection.

How Can I Lower the Cost of My Motorcycle Insurance?

You can use several strategies to potentially lower your motorcycle insurance quotes. Some of them include:

  • Maintaining a clean driving record with no accidents and violations.
  • Searching multiple companies to obtain quotes and compare prices.
  • Improving your credit score, as some insurers may consider it when determining premiums. Improving your credit will take time, but you can start by making timely payments, paying off high-interest loans, and keeping your credit usage low.
  • Looking for discounts, such as multi-policy discounts or loyalty discounts.
  • Taking safe driving lessons offered by providers to qualify for further discounts.
  • Increasing deductibles as it may lower your premiums.

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