Updated: October 22, 2025
Advertising & Editorial Disclosure
Progressive is our pick for the best motorcycle insurance company for it's overall good customer service, large offering add-on coverages and numerous discount opportunities.
Dairyland Insurance earned our title for both the best regional insurer for bike insurance and the best overall motorcycle insurance rates for liability-only coverage.
To find the best motorcycle insurance for you, compare quotes from many companies, research discounts, and decide your coverage needs before buying.
Why You Can Trust MoneyGeek
MoneyGeek evaluated over 70 motorcycle insurance companies nationwide, scoring each on affordability (60%), customer experience (30%) and coverage options (10%). We gathered quotes for different rider types — from our main profile of a 40-year-old man with good credit and a clean record to young riders, seniors and riders with violations. Our analysis combined rate comparisons across all states with customer feedback from Google reviews, J.D. Power ratings, AM Best scores and forums, plus evaluations of each provider's coverage types and unique features to ensure our rankings work for all riders.
MoneyGeek maintains editorial independence and does not receive compensation from insurance companies for rankings or recommendations.
Progressive ranks as the best motorcycle insurance company overall with a MoneyGeek score of 4.9 out of 5 stars. It offers affordable rates averaging $384 annually, along with 15 coverage options and 12 discount opportunities
Dairyland Insurance comes in second with a 4.6 score, specializing in custom and modified motorcycles that other insurers refuse. GEICO ranks third at 4.4, providing the most affordable rates for young riders and seniors while maintaining high customer satisfaction scores.
Best Overall: Progressive | 4.9/5 | $384 |
Best for Young Riders: Geico | 4.4/5 | $364 |
Best for Custom and Modified Bikes: Dairyland | 4.6/5 | $377 |
Best for Low Mileage Riders: Markel | 4.3/5 | $670 |
Best for H.O.G. Members: Harley-Davidson | 4.3/5 | $234 |
The best motorcycle insurance company for your needs depends on your rider profile, bike type, and coverage requirements. Choose the best motorcycle insurance company by evaluating financial strength ratings, comparing customer satisfaction scores, and verifying coverage options match your bike type. Request quotes from at least three companies, then assess each provider's reputation, complaint ratios, and policy features before making your final decision.
Each insurer's MoneyGeek Score reflects its performance across four key categories, helping you identify the best value for affordable motorcycle insurance coverage:
| Progressive | 4.47 | 5.00 | 5.00 | 4.50 | 4.87 |
| Dairyland | 4.53 | 5.00 | 4.50 | 4.50 | 4.58 |
| Geico | 4.90 | 3.00 | 4.50 | 5.00 | 4.38 |
| Markel | 4.00 | 5.00 | 4.25 | 4.00 | 4.30 |
| Harley | 4.53 | 5.00 | 4.00 | 4.50 | 4.28 |
Best Motorcycle Insurance Company Overall
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Best Custom and Modified Motorcycle Insurance Coverage
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Best Motorcycle Insurance for Young Riders
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Best for Low-Mileage Riders
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Best for H.O.G Members
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Choosing the best motorcycle insurance involves balancing company reliability with cost-saving strategies. The steps below guide you through five decision stages: identifying your coverage needs, evaluating insurance providers, structuring your policy efficiently, maximizing discounts, and keeping premiums low over time. Follow this process to find the best insurers offering competitive rates, then lower your premiums by 20% to 50% through strategic coverage selections and discount stacking.
Begin by deciding what protection your motorcycle truly needs before getting quotes. Match your coverage type to your bike's value and how you plan to use it: full coverage for financed or high-value bikes, liability-only for older motorcycles worth less than $3,000, and specialized options like agreed-value policies for vintage bikes or high-limit accessory coverage for custom builds. Your bike type and usage determine which coverage options offer real value versus unnecessary costs.
Choose Coverage Matching Your Bike Type
Assess whether each insurer provides coverage options that meet your specific motorcycle insurance needs. Standard cruisers require different protection than custom builds, vintage classics, or high-performance sport bikes. Riders with expensive custom parts need high-limit accessory coverage, vintage owners require agreed-value policies, and daily commuters benefit from rental reimbursement and roadside assistance.
Evaluate Full Coverage vs. Liability-Only
Consider liability-only coverage for older motorcycles valued at less than $3,000. Full coverage premiums might surpass your bike's actual cash value, making comprehensive and collision coverage a poor financial choice for older bikes. Keep full coverage on financed bikes, high-value motorcycles, and newer models where repair costs could cause financial hardship.
Choose Lower-Risk Motorcycles
Choose standard cruisers instead of sport bikes and high-performance models to lower premiums by 15% to 40%. Insurance providers charge more for bikes with higher accident rates, faster top speeds, and greater theft risk. Think carefully about your motorcycle choice, as your bike type greatly influences your yearly insurance costs.
Compare at least three insurers using the same coverage requirements to find the best mix of financial strength and competitive rates. Check AM Best ratings (look for A+ or A++), review NAIC complaint ratios (below 1.0 is ideal), and confirm the company has experience with your specific bike type. Rate differences of $200 to $500 annually between providers are common, so shopping around is the easiest way to lower your costs.
Verify Insurers' Financial Strength and Customer Service
Check each insurer's AM Best financial strength rating before purchasing coverage. Ratings of A+ (Superior) or A++ (Superior) indicate the strongest ability to pay claims when you need protection most. Review J.D. Power customer satisfaction ratings and NAIC complaint ratios to assess service quality. Look for complaint ratios below 1.0, which means the company receives fewer complaints than its market share justifies.
Assess Company Specialization
Choose insurance companies with proven expertise in your specific rider category or motorcycle type. Specialized insurers understand unique risks and coverage needs better than generalist providers. High-risk riders with violations should focus on companies that specialize in non-standard insurance, while owners of custom bikes need insurers with strong accessory coverage and modification expertise.
Compare Rates from Multiple Companies
Get quotes from at least three motorcycle insurance companies with the same coverage and deductibles to find true price differences. Insurance companies assess risk differently, so your age, location, bike type, and riding history may lead to rate differences of $200 to $500 a year between providers for the same coverage. Shop around each year during renewal time, as your rates with other insurers might have improved even if your current company raises your premium.
Identify Red Flags and Warning Signs
Avoid motorcycle insurance providers with NAIC complaint ratios over 1.0, numerous negative reviews about claim handling, or sales tactics that are aggressive and require upfront annual payments without offering monthly options. Be cautious of coverage limits that exclude OEM parts replacement, restrict accessory coverage to minimal amounts, or include unusual policy restrictions. Companies that refuse to give written quotes or pressure you to buy immediately often provide poor service afterward.
Set your deductible at the highest amount you can afford to pay out of pocket after an accident. Increasing your deductible from $500 to $1,000 can lower your premiums by 10% to 15%, but only choose this if you have enough emergency savings to cover the higher deductible when filing a claim. Weigh the immediate premium savings against potential future out-of-pocket costs based on your financial situation.
Optimize Your Deductible Strategically
Increase your deductible to lower your premiums immediately. Raising your deductible from $500 to $1,000 can reduce costs by 10% to 15%, but ensure you have enough savings to cover the higher deductible if you file a claim. Balance your deductible amount against your emergency fund and risk tolerance to avoid financial hardship after an accident.
Apply for every discount you're eligible for, as stacking multiple discounts can lower your premiums by 30% to 60%. The greatest savings come from bundling policies (10% to 25% off), paying annually upfront (5% to 20% off), and taking safety courses (5% to 15% off). Add smaller discounts for memberships, low mileage, and security equipment to maximize your total savings.
Maximize Multi-Policy and Payment Discounts
Bundle your motorcycle insurance with auto or home insurance to save 10% to 25% on all policies. Multi-policy bundling offers some of the biggest discounts and makes managing policies easier with just one insurer. Paying your annual premium upfront can save an extra 5% to 20%, reducing costs by $50 to $150 per year on average policies.
Complete Safety Training and Join Organizations
Complete a Motorcycle Safety Foundation-approved riding course to reduce premiums by 5% to 15%. These courses enhance your riding skills and show lower risk to insurance companies, leading to immediate savings that last for three to five years in most states. Join recognized groups like the American Motorcyclist Association or Harley Owners Group for additional member discounts of 5% to 10%.
Reduce Your Annual Mileage
Qualify for low-mileage discounts by riding less than 5,000 miles a year. If you don't ride often, ask about low-mileage discounts or usage-based policies that can cut premiums by 10% to 60%, depending on your actual riding habits. Some insurers provide pay-per-mile insurance that rewards seasonal riders and weekend enthusiasts with significant savings.
Install Security and Safety Equipment
Install anti-theft devices such as alarms, GPS trackers, or disc locks to qualify for security discounts ranging from 5% to 15%. Store your motorcycle in a locked garage instead of on the street to show a lower theft risk and earn additional storage discounts. These safety measures lower your risk profile and reduce your insurance costs.
Keep your premiums low long-term by maintaining a clean riding record and shopping around annually at renewal time. Accidents and violations increase your rates by 20% to 50% for three to five years, making defensive riding your most effective long-term cost control strategy. Request new quotes each year, as switching insurers when better rates become available saves more money than loyalty to your current provider.
Maintain a Clean Riding Record
Avoid accidents, speeding tickets, and traffic violations that increase premiums by 20% to 50% and remain on your record for three to five years. At-fault accidents raise rates substantially, while DUI convictions can triple your insurance costs. Drive defensively and follow traffic laws to maintain the lowest possible rates based on your clean riding history.
Review Your Policy Annually
Request new quotes from multiple providers during each renewal period to ensure you're still getting the best available rates. Your rates with other insurers may have improved even if your current company maintains or increases your premium. Switch insurers if you find better rates, improved coverage options, or superior customer service elsewhere, as loyalty to your current provider rarely results in the lowest possible rates.
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.
Progressive provides the best motorcycle insurance overall with a MoneyGeek score of 4.9 out of 5 stars, combining affordable rates averaging $384 annually with 15 coverage options and 12 discount opportunities. Dairyland ranks second at 4.6 for riders with custom or modified motorcycles, while GEICO scores 4.4 with the industry's highest financial strength rating and excellent customer service. The best company for you depends on your bike type, riding profile, and coverage priorities
Harley-Davidson Insurance offers the lowest average rates at $234 annually, though it's only available in most states. Progressive provides competitive pricing at $384 annually with the broadest discount selection, while GEICO averages $364 annually with particularly low rates for seniors at $34 monthly for full coverage. Request quotes from at least three companies, as your specific age, location, and riding history can result in rate differences of $200 to $500 annually between insurers.
You need motorcycle insurance in 47 states, as only Florida, Montana, and New Hampshire don't legally require liability coverage for motorcycles. Even in states without mandatory insurance laws, you're still financially responsible for bodily injury and property damage you cause in at-fault accidents. Lenders require comprehensive and collision coverage if you finance or lease your motorcycle, making motorcycle insurance mandatory regardless of state law for financed bikes.
Get full coverage motorcycle insurance (liability, comprehensive, and collision) if your bike is financed, worth over $3,000, or you can't afford to replace it out of pocket. Choose liability limits of at least 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) to protect your assets from lawsuit exposure. Add uninsured motorist coverage, accessory protection, and roadside assistance based on your bike's value and how you use it.
On average, the best motorcycle insurance rates average $384 annually, or about $32 monthly, though your actual rate depends on your age, location, bike type, coverage level, and riding history. Young riders under 25 pay significantly more ($50 to $90 monthly), while seniors average $22 to $49 monthly for full coverage. Full coverage costs average $45 to $96 monthly, while liability-only coverage ranges from $12 to $25 monthly depending on your state and insurer.
Yes, you can get motorcycle insurance with a DUI, though your premiums will increase substantially for three to five years. DUI convictions typically triple your insurance costs compared to clean-record rates, and some insurers may decline coverage entirely. Focus on companies specializing in high-risk or non-standard insurance, maintain SR-22 filing if your state requires it, and complete defensive driving courses to demonstrate reduced risk and potentially lower your rates.
Standard motorcycle insurance liability coverage protects passengers you injure in at-fault accidents through your bodily injury liability limits. Guest passenger liability coverage, offered as an add-on by some insurers, provides additional medical payment protection for your passengers regardless of fault. Your passengers aren't automatically covered by their own auto insurance policies, making adequate liability limits or guest passenger coverage essential if you regularly ride with others.
Your motorcycle insurance rates depend on six primary factors: your age and riding experience, your bike's type and value, your location and where you store your bike, your coverage choices and deductibles, your riding record and claims history, and your credit score in states where insurers can use it. According to the Insurance Information Institute, sport bikes and high-performance models cost 15% to 40% more to insure than standard cruisers due to higher accident rates
You can't insure a motorcycle you don't own because insurance requires insurable interest, meaning a financial stake in the vehicle. The motorcycle's title owner must be listed as the policy's insured or co-owner. If you regularly borrow someone else's motorcycle, you're typically covered under their insurance policy's permissive use provision, though you should verify this coverage exists before riding.
You need motorcycle insurance year-round if your bike is financed, as lenders require continuous comprehensive and collision coverage. If you own your bike outright and store it seasonally, you can reduce coverage to comprehensive-only during storage periods, which costs significantly less than full coverage. Canceling insurance entirely creates coverage gaps that increase your rates when you reinstate, making reduced coverage a better option than complete cancellation for seasonal riders.
MoneyGeek evaluated more than 70 insurance companies nationwide to rank the best motorcycle insurance companies. We analyzed national carriers, regional providers and local insurers across all U.S. residential areas.
Our research team combined rate analysis, customer feedback and coverage assessments to create comprehensive rankings. We rank the best motorcycle insurance companies at both national and state levels using three key factors. How we score each provider:
Affordability (60% of total score): We gathered motorcycle insurance quotes for different rider types and compared prices across all states. Our main test profile was a 40-year-old man with good credit, a clean riding record and no previous claims. We also collected quotes for young riders, seniors and riders with violations to ensure our best motorcycle insurance companies rankings work for everyone.
Customer experience (30% of total score): We reviewed what real customers say about each company through Google reviews, J.D. Power ratings, AM Best financial strength scores and forum discussions. We organized this feedback by state to see how companies perform in your area.
Coverage options (10% of total score): We evaluated each provider's range of coverage types and unique policy features to assess the breadth and value of their offerings
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.
