Overall we found that Progressive is the best and cheapest overall motorcycle insurance provider for military and veterans, scoring 95 out of 100 in our study. The company has a good mix of affordable rates starting at $77 per year, good customer service ratings and a large selection of add-on coverages.
Best Motorcycle Insurance For Military
Updated: April 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best and cheapest national motorcycle insurance provider for miliary and veterans is Progressive who has annual rates of $575 for full coverage and $77 for minimum coverage.
Where available, Shelter Insurance is the lowest cost minimum liability motorcycle insurance provider for military with rates starting as low as $25 per year.
To get the most affordable rates for military, compare motorcycle insurance quotes, get a formal motorcycle license, and take advantage of discounts.
Best Cheap Motorcycle Insurance Companies For Military and Veterans
Provider | MG Score (Out of 100) | Median Monthly Rate |
|---|---|---|
Progressive | 95 | $18 |
Shelter Insurance | 92 | $23 |
Geico | 89 | $29 |
Dairyland | 87 | $33 |
Harley Davidson | 85 | $39 |
*Rates are combined full and liability only coverage rates for a 40-year-old rider with no driving violations who drives a 2023 Honda CRF450RL.
Cheapest Minimum Liability Motorcycle Insurance For Military
While not available in all states, Shelter Insurance by far offers the lowest minimum liability motorcycle insurance at an average of $5 per month. However, if you are not in their service area, Progressive is the most affordable option nationwide with average rates of $8 monthly.
Cheapest Provider | Average Monthly Rate | Average Annual Rate |
|---|---|---|
Shelter Insurance | $5 | $56 |
Progressive | $8 | $92 |
Geico | $11 | $135 |
Markel | $12 | $142 |
Dairyland | $16 | $189 |
Cheapest Full Coverage Motorcycle Insurance For Military
Progressive is the cheapest full coverage motorcycle insurance provider for those with a military affiliation with average annual rates of $349 or $29 per month. However, we also recommend reaching out to Shelter Insurance and Geico for affordable comprehensive coverage policies.
Cheapest Provider | Average Monthly Rate | Average Annual Rate |
|---|---|---|
Progressive | $29 | $349 |
Shelter Insurance | $42 | $498 |
Geico | $46 | $550 |
Dairyland | $48 | $573 |
Harley Davidson | $58 | $700 |
Cheapest Motorcycle Insurance For Military By State
While we've provided overall national costs for military above, rates vary widely depending on the state you reside in. So below, we've summarized the cheapest motorcycle rates by state and the companies that offer them for veterans and active military:
State | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Alabama | Progressive | $6 |
Alaska | Progressive | $6 |
Arizona | Progressive | $6 |
Arkansas | Progressive | $5 |
California | Dairyland | $11 |
Colorado | Progressive | $3 |
Connecticut | Geico | $9 |
Delaware | Dairyland | $16 |
Florida | Progressive | $6 |
Georgia | Progressive | $6 |
Hawaii | Progressive | $8 |
Idaho | Progressive | $6 |
Illinois | Progressive | $10 |
Indiana | Shelter Insurance | $3 |
Iowa | Shelter Insurance | $2 |
Kansas | Progressive | $6 |
Kentucky | Shelter Insurance | $4 |
Louisiana | Shelter Insurance | $7 |
Maine | Geico | $8 |
Maryland | Progressive | $8 |
Massachusetts | Progressive | $6 |
Michigan | Progressive | $13 |
Minnesota | Progressive | $6 |
Mississippi | Shelter Insurance | $4 |
Missouri | Shelter Insurance | $4 |
Montana | Progressive | $6 |
Nebraska | Shelter Insurance | $3 |
Nevada | Progressive | $6 |
New Hampshire | Geico | $9 |
New Jersey | Progressive | $8 |
New Mexico | Progressive | $6 |
New York | Progressive | $6 |
North Carolina | Harley Davidson | $7 |
North Dakota | Progressive | $6 |
Ohio | Shelter Insurance | $3 |
Oklahoma | Shelter Insurance | $4 |
Oregon | Progressive | $8 |
Pennsylvania | Progressive | $6 |
Rhode Island | Progressive | $6 |
South Carolina | Progressive | $7 |
South Dakota | Progressive | $6 |
Tennessee | Shelter Insurance | $2 |
Texas | Progressive | $7 |
Utah | Progressive | $6 |
Vermont | Progressive | $7 |
Virginia | Progressive | $11 |
Washington | Progressive | $6 |
Washington D.C. | Progressive | $10 |
West Virginia | Geico | $7 |
Wisconsin | Progressive | $6 |
Wyoming | Progressive | $6 |
How To Save on Military Motorcycle Insurance
Below, we'll outline a complete list of methods that will help you get the best deal possible if you're in the military or a veteran:
- 1
Compare Quotes
The easiest way to save on motorcycle insurance is to compare quotes with multiple companies for the same coverage. This can allow you to save up to 39% on full coverage and 63% for minimum coverage.
- 2
Take Advantage of Discounts
In addition to a military discount, take advantage of discounts related to homeownership, marriage, driver safety courses and other memberships.
- 3
Consider Liability-Only Coverage
If you're not required and are only an occasional motorcycle rider, liability-only bike insurance can save you hundreds of dollars a year with little risk. However, keep in mind that damages to your vehicle will not be covered if you opt for this type of coverage.
- 4
Get a Motorcycle License
While the process of getting a motorcycle license is mouch more in-depth and time consuming, it can help you save much more on a bike policy. Our research found that you can save up to 8% overall if you have a formal license rather than just an endorsement.
Best Motorcycle Insurance For Veterans: Bottom Line
Military members are rewarded the most for their service with the cheapest motorcycle insurance rates with Progressive, Shelter Insurance and Geico. While these companies are our recommendations, comparing providers apples to apples and researching providers who offer discounts that you qualify for will ensure you get the best deal.
Military Motorcycle Insurance: FAQ
Our experts answered some common frequently asked questions about motorcycle insurance for active and retired military members:
Who offers the best motorcycle insurance for military?
Progressive earned our title for the best motorcycle insurance for military with a score of 95 out 100 points. The company offers the most affordable full coverage, 2nd most affordable liability coverage, and had the best overall customer experience and coverage scores in our study.
Who has the cheapest motorcycle insurance cost for a military and veterans?
MoneyGeek found that Progressive has the lowest motorcycle insurance rates for military riders overall. They offer rates for minimum coverage that are 69% lower than average and 41% lower for full coverage on average.
Who offers the best military discount for motorcycle insurance?
Geico and Progressive offer the largest military discount at up to 10% on motorcycle insurance policies.
How We Determined The Best Motorcycle Insurance For Military
Our scoring methodology for the best motorcycle insurance for military is the following:
- Affordability (60% of Score): This score was used to judge overall affordability for military affiliated drivers compared to the national average and competitors.
- Customer Experience (30% of Score): We used customer experiences across rating forums, websites like Reddit and industry studies from J.D. Power to judge how good customer experience was for motorcycle insurance.
- Coverage (10% of Score): Coverage scores from our team judge the extensiveness of coverage options vs. the average, how much coverage you can select for within add-ons, and availability by state.
MoneyGeek calculated the sample rates on this page by gathering quotes for a 40-year-olds with a military background riding a Honda CRF450RL with a good driving record. These rates are for minimum motorcycle insurance requirements in each state and full coverage limits are as follows:
- $100,000 per person for bodily injury coverage
- $300,000 per accident for bodily injury coverage
- $50,000 per accident for property damage coverage
In instances where sample rates were for a full coverage policy, note that the policy includes comprehensive and collision with a $1,000 deductible.
About Rachael Brennan
Rachael Brennan is a licensed insurance agent with over a decade of experience in the industry. She holds a property and casualty (P&C) license across all 50 states and a life, health, and accidental death and dismemberment (AD&D) license in New York and surrounding states. She writes personal finance and insurance content for MoneyGeek, specializing in property, casualty, health, life and accidental death and disability insurance.
Brennan earned her Bachelor of Science in Communications from Texas A&M University-Commerce. As a writer, she uses her insurance and personal finance experience to share practical knowledge and help people make informed financial decisions.