Best Motorcycle Insurance

Progressive is the overall winner for the best motorcycle insurance due to it's great rates regardless of your rider profile or bike and good customer reputation. We also recommend taking a look at Shelter Insurance and Geico for some of the best bike coverage options on the market.

Regardless of what category we studied, Progressive offered the least expensive policies for almost every rider type. Below you can review the company's costs and rankings nationally:

Progressive earned a rating of 4.04 out of 5.0 from over 60,000 reviews for their insurance products including motorcycle, making it the second highest rated company for customer service. Compared to other providers on our list, customer praised the online buying process and speed on claims reimbursement the most with the provider.

Progressive uniquely offers $3,000 worth of accessory coverage for modifications and custom parts which is unseen with any other provider. They are also one of the only providers that offer in-house classic and custom motorcycle insurance coverage for both standard and named value policies.

Shelter Insurance is our second most affordable provider on our list and sports the rates overall for young riders under 25. Below you can see a birds eye view of how affordable Shelter is:

Naationwide, Shelter Insurance provided the 3rd best customer service experience in our study, earning a 4.0 out of 5.0 stars. The most common positive mentions were about agent transparency and helpful service for policy management and notification about changes.

Uniquely Shelter Insurance offers disability income insurance if you are incapacitated due to an accident and cannot work. Also, roadside assistance is included on all policies with reimbursement of up to $100 per incident which no other provider offers as a complimentary benefit.

Geico earned the title as the third most affordable motorcycle insurer in our study of six major cost categories, having the strongest performance for senior riders and high rates for those with an accident or DUI on record. Below you can review minimum and full coverage pricing and how Geico stacks up.

Geico's motorcycle insurance customer service ranked 1st overall, garnering a 4.4 out of 5.0 star rating from over 500 customers. The highlights of customer sentiment from reviews talk about their flexible payment options, easy online quotes process, and easy online policy management.

Overall, Geico's coverage options are standard, offering equipment, custom/modifications, and roadside assistance coverage. The company also offers agreed value coverage but only through their partner Hagerty.

Markel, while not the most affordable motorcycle insurer for full coverage (especially for young riders), offers cheap plans for minimum and other liability-only policies. Also, the company offers the cheapest motorcycle policies in Florida. Below you can review how the Markel ranks nationally and their average rates.

While there are no direct Markel motorcycle insurance reviews, they partner with Voom to offer coverage, who has the 4th highest customer service ranking out of the providers we've reviewed. The company earned a 3.9 out of 5.0 rating with their strong suit being agent service and their usage-based coverage determining rates.

Markel, while they only offer standard coverage options, is uniquely a pay-per-mile insurer, so rates for your bike are determined directly by how much you ride. Also, the company has extrmely flexible coverage payment options including not only monthly annually but also quarterly.

Overall, regardless of coverage choices, Dairyland is the 4th most affordable motorcycle insurance provider, particularly offering affordable full coverage policies for most. Below, we've summarized the providers rates and their rankings nationally for key profile areas.

Dairyland is tied for first overall for customer service with a rating of 4.4 out of 5.0 stars with over 9,000 customers responding. Uniquely customers mostly note more peace of mind after talking to agents and great explanations of coverage options and help matching people to the right plan.

Dairyland is the only provider on our list with the Original Manufacturer Part (OEM) replacement add-on coverage, so repairs are done with original parts used to make your motorcycle in the event of a claim. In addition, the company will cover the largest variety of vehicles including high performance motorcycles that would otherwise not be covered by other providers.

Our top three picks for the best motorcycle insurance nationally are Progressive, Shelter Insurance and Geico who all have a great mix of low rates, good customer service and a diverse add-on coverage selection. While these companies are our recommendations, we urge you to compare for yourself, search for coverages that suit you, and make your profile less high-risk to get the best cheap option for you.

Below we answer frequently asked questions in relation to the best motorcycle insurance:

We investigated rates for all ages of drivers and driver profiles and companies using the following rating scale:

• Affordability (60% of Score): This score is used to judge overall affordability for both minimum and full coverage regardless of driver profile or your vehicle. Discount opportunities wer also taken into account for this rating.
• Customer Experience (25% of Score): In this factor investigation we sifted through review sites, industry studies like J.D. Power's and forums to get a sense of overall customer sentiment.
• Coverage (15%): We considered the selection of add-on or alternative coverage options for this rating in addition to the variety of bikes that can be covered by a company.