Our team chooses Geico, Progressive, State Farm, Dairyland and Erie Insurance as the best motorcycle insurance companies based on cost, coverage and reputation
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Who Is The Best Motorcycle Insurance Company?
We found that Geico is the best motorcycle insurance company currently due to their policies having a great balance of low costs and great coverage. We also found that Progressive, State Farm, Dairyland, and Erie Insurance offer great motorcycle insurance offerings as well.
Compare Motorcycle Insurance
Below you can compare our top picks for motorcycle insurance and their ratings that we judged based on cost, coverage, company reputation, customer experience and policy availability:
| Top Motorcycle Insurance Company | Overall Rating | Our Award |
|---|---|---|
| 1. Geico | 9.3 | Best Motorcycle Insurance Company |
| 2. Progressive | 9.0 | Best Motorcycle Insurance Coverage |
| 3. State Farm | 8.8 | Best Motorcycle Insurance Customer Service |
| 4. Dairyland | 8.3 | Best Motorcycle Insurance For High-Risk Riders |
| 5. Erie Insurance | 8.3 | Best Regional Motorcycle Insurance |
Best Motorcycle Insurance Companies
It can be challenging to identify which companies offer the best motorcycle insurance policies, but we’ve done the research for you to find the industry’s top names. Read on to learn more about why we recommend each provider in detail, including average motorcycle insurance costs, coverage plans, discount opportunities and more.
1. Geico
Best Motorcycle Insurance Company
9.3/10
Why We Chose Geico 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 Pros and Cons
Pros Some of the industry’s lowest rates Outstanding reputation Easy-to-attain discounts Superior financial health Cons Relatively low customer review scores
Geico Motorcycle Insurance Cost and Discounts
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
- MotorcycleSafety Foundationinstructor 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 Motorcycle Insurance Coverage
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
Geico Insurance Reviews and Reputation
The company holds a sterling reputation across the industry and has anA-ratingfrom the Better Business Bureau (BBB). Geico also holds anA++ financial strength ratingfrom 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 anA-rating from the BBB, it holds a 1.1-star average score out of 5.0 from customer reviews. The insurer also has a1.3-star ratingout of 5.0 from customers on Trustpilot.
2. Progressive
Best Motorcycle Insurance Coverage
9/10
Why We Chose Progressive Motorcycle Insurance
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 Motorcycle Insurance Pros and Cons
Pros Relatively affordable premiums Excellent financial strength Extensive additional coverage options Strong industry reputation Cons Average customer reviews
Progressive Motorcycle Insurance Cost and Discounts
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 endorsem*nt 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
Porgressive Motorcycle Insurance Coverage
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
Progressive Insurance Reviews and Reputation
Industry leaders hold the company in high regard, and customers find peace of mind in the company’s A+ financial strength ratingfrom AM Best. This positive score indicates that the company is financially capable of fulfilling its claims obligations. Progressive also has anA ratingfrom 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.
3. State Farm
Best Motorcycle Insurance Customer Service
8.8/10
Why We Chose State Farm Motorcycle Insurance
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 Motorcycle Insurance Pros and Cons
Pros Local agents across the nation Strong customer reviews Excellent industry reputation A++ financial strength rating Cons Poor claims process reviews Limited availability
State Farm Motorcycle Insurance Cost and Discounts
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 newmotorcycle 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
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 Insurance Reviews and Reputation
State Farm holds anA+ ratingfrom the BBB and is well-regarded in the industry. The provider also holds anA++ financial strength ratingfrom 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 a4.3-star average ratingout of 5.0 from more than920Google reviews, which is impressive in the industry.
4. Dairyland
Best Motorcycle Insurance For High-Risk Riders
8.3/10
Why We Chose Dairyland Motorcycle Insurance
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 Pros and Cons
Pros Affordable average premiums Extensive added coverage options Positive financial strength rating Many discount opportunities Cons Poor claims process reviews Limited availability
Dairyland Motorcycle Insurance Cost and Discounts
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
Dairyland Motorcycle Insurance Coverage
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 Insurance Reviews and Reputation
Dairyland is a much smaller name than the providers listed above, but it has anA+ ratingfrom the BBB and anA+ financial strength ratingfrom AM Best.
Dairyland motorcycle insurance gets mixed reviews online. While customers give Dairyland4.4out of 5.0 starson Trustpilot, the company receives1.1 starsout 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.
5. Erie Insurance
Best Regional Motorcycle Insurance
8.3/10
Why We Chose Erie Motorcycle Insurance
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 likeCalifornia, Texas and Florida.
Erie Motorcycle Insurance Pros and Cons
Pros Impressive customer service Strong financial health Local agents Relatively competitive prices Cons Limited availability Few coverage options
Erie Motorcycle Insurance Cost and Discounts
You’re likely to find competitive rates from ErieInsurance, 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 Motorcycle Insurance Coverage
ErieInsurancehas 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 Insurance Reviews and Reputation
Erie has anA+ ratingboth from the BBB for good business practices and an A+ from AM Best forfinancial strength. Erie Insurance is also a standout performer when it comes to customer service, with policyholders praising its welcoming local agents and specialized offers.
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How To Find the Best Motorcycle Insurance
When you have so many choices, it can be difficult to determine which motorcycle insurance companies offer affordable, high-quality coverage. Here are a few tips to help simplify the decision-making process:
- Consider a company’s quality of coverage. Verify that a provider offers the coverage options you’re looking for.
- Read customer reviews. While insurance ratings tend to be low, it’s worth ensuring that your chosen provider receives at least somewhat decent scores and does its best to respond to customer issues.
- Compare motorcycle insurance quotes. Receive free, personalized quotes from providers to determine which options best suit your needs.
- Look for discounts. Figure out which savings opportunities you qualify for with each company, such as usage-based insurance or rider group discounts.
- Consider whether you can bundle plans. If you can bundle homeowners or auto and motorcycle insurance, you’ll save money.
- Increase your deductible to save money. The higher your deductible, the lower your premium will be.
- Check for added benefits. Seek out accident forgiveness programs and discounts for being claim-free or having a clean driving history.
Remember that the best motorcycle insurance companies specialize in different coverages. The best provider for vintage sport bikes or trikes might be different than for dirt bikes or custom motorcycles. Similarly, a Harley-Davidson with original equipment manufacturer (OEM) or custom parts has very different needs than a scooter, moped or ATV.
How To Save Money on Motorcycle Insurance
Along with comparing quotes from multiple providers, there are a few simple ways you can cut down on motorcycle insurance costs. Obeying traffic laws, wearing protective gear and preventing accidents by not speeding will help you drive safely and keep your insurance premiums as low as possible.
Best Motorcycle Insurance Company: The Bottom Line
In this review, we went over the best companies for motorcycle insurance which are as follows:
- Geico: Best Motorcycle Insurance Company
- Progressive: Best Motorcycle Insurance Coverage
- State Farm: Best Motorcycle Insurance Customer Service
- Dairyland: Best Motorcycle Insurance For High-Risk Riders
- Erie Insurance: Best Regional Motorcycle Insurance
While these are our top picks, they may not be right for you. No matter what coverage you are looking for, we always recommend that you compare as many options as possible to get the best deal for your situation.
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FAQ: Motorcycle Insurance Best
Below are some frequently asked questions on the best motorcycle insurance companies:
We think Geico offers the best motorcycle insurance based on our research into the company’s reputation, cost, coverage and customer experience. Excellent coverage can also be found through Progressive, State Farm, Dairyland and Erie Insurance.
The best motorcycle insurance rates typically come from Geico, though average premiums vary based on a person’s driving history, location and type of motorcycle.
You can find the best motorcycle insurance by comparing free quotes from providers. That way, you’ll see which companies offer insurance policies that meet your financial and coverage needs.
How We Rated The Best Motorcycle Insurance Companies
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best motorcycle insurance companies. We collected data on dozens of motorcycle insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Motorcycle insurance quotes obtained through secret shopping and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer Experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings. We also considered the responsiveness, friendliness and helpfulness of each motorcycle insurance company’s customer service team based on our own shopper analysis.
*Data accurate at time of publication.
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