For custom and modified bikes you can expect the cheapest motorcycle insurance with the best coverage inclusions with Progressive. The company offers rates that are 18% below average, the highest level of included accessory coverage at $3,000 for standard policies, and the option for agreed value insurance if you want more than actual cash value covered. However, you should also consider Dairyland and Harley Davidson in your search as well.
Custom Motorcycle Insurance
Updated: September 26, 2025
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Key Takeaways
The best and cheapest custom or modified bike insurance is offered by Progressive with rates as low as $10 per month or $117 per year.
Custom or modified motorcycle insurance and can either be offered as accessory coverage on a standard policy or separate plan with agreed value.
To get the most affordable custom motorcycle insurance, compare plenty of motorcycle coverage quotes, get a formal motorcycle license, and take advantage of discounts offered.
Best Cheap Motorcycle Insurance For Custom and Modified Bikes
Provider | Custom Parts Coverage Name | Agreed Value Insurance | Custom Parts Depreciation | MG Score (Out of 100) | Average Monthly Rate |
|---|---|---|---|---|---|
Progressive | Custom Parts/Equipment (CPE) Coverage | Yes - Total Loss Coverage for bikes 1-2 model years old | No depreciation on customized parts | 96 | $47 |
Dairyland | Optional/Special Equipment Coverage | Yes - Replacement Cost Coverage available | Pays for depreciation of agreed upon customized and aftermarket parts | 92 | $57 |
Harley Davidson | Optional Equipment Replacement Cost Coverage | Yes - Replacement Cost Coverage for new bikes | Replacement cost basis (no depreciation with optional coverage) | 86 | $70 |
*Rates presented are for a standard full coverage policy with 100/300/50 liability splits and a $1,000 deductible for collision and comprehensive coverage. The driver covered is 40 years old with no violations and is insuring a 2023 Honda CRF450RL.
Cheapest Motorcycle Insurance For Custom and Modified Bikes By State
Progressive offers the lowest rates in most states, while Dairyland and Harley Davidson frequently provide better deals in specific regions. In major markets like California, Florida, and Texas, Progressive delivers the most affordable custom bike coverage.
Monthly premiums for custom bike coverage range from as low as $10 in Montana to $87 in Washington D.C., making your location a major factor in how much custom and modified bike insurance cost. Below, we've summarized the companies with the best rates.
State | Cheapest Provider | Average Monthly Rate |
|---|---|---|
Alabama | Progressive | $26 |
Alaska | Progressive | $25 |
Arizona | Progressive | $52 |
Arkansas | Dairyland | $40 |
California | Progressive | $74 |
Colorado | Dairyland | $50 |
Connecticut | Progressive | $57 |
Delaware | Harley Davidson | $37 |
Florida | Progressive | $46 |
Georgia | Harley Davidson | $50 |
Hawaii | Progressive | $50 |
Idaho | Harley Davidson | $22 |
Illinois | Progressive | $54 |
Indiana | Dairyland | $47 |
Iowa | Progressive | $26 |
Kansas | Progressive | $32 |
Kentucky | Progressive | $25 |
Louisiana | Dairyland | $56 |
Maine | Progressive | $28 |
Maryland | Progressive | $42 |
Massachusetts | Progressive | $32 |
Michigan | Dairyland | $74 |
Minnesota | Progressive | $26 |
Mississippi | Progressive | $55 |
Missouri | Harley Davidson | $62 |
Montana | Progressive | $10 |
Nebraska | Progressive | $35 |
Nevada | Progressive | $29 |
New Hampshire | Progressive | $45 |
New Jersey | Harley Davidson | $50 |
New Mexico | Progressive | $45 |
New York | Progressive | $22 |
North Carolina | Dairyland | $30 |
North Dakota | Harley Davidson | $16 |
Ohio | Harley Davidson | $28 |
Oklahoma | Dairyland | $28 |
Oregon | Dairyland | $59 |
Pennsylvania | Harley Davidson | $29 |
Rhode Island | Dairyland | $34 |
South Carolina | Progressive | $34 |
South Dakota | Dairyland | $25 |
Tennessee | Progressive | $35 |
Texas | Progressive | $82 |
Utah | Progressive | $32 |
Vermont | Progressive | $25 |
Virginia | Progressive | $40 |
Washington | Harley Davidson | $25 |
Washington D.C. | Progressive | $87 |
West Virginia | Harley Davidson | $33 |
Wisconsin | Progressive | $24 |
Wyoming | Progressive | $21 |
How Much Is Motorcycle Insurance For Custom and Modified Bikes?
On average, motorcycle insurance for custom and modified bike cost around $691 per year or $58 monthly which is 21% more than the national average. However, the cost of your particular motorcycle insurance will depend widely on the modifications you've made, whether you have a standard or assigned value policy, your coverage level and location.
Average Motorcycle Insurance Cost For Custom and Modified Bikes by State
Motorcycle insurance costs for custom and modified bikes range from $25 monthly in Alaska to $112 in Massachusetts. To help you determine how much custom and modified bike insurance should cost in your state, we've broken down the average monthly and yearly rates for minimum and full coverage combined.
State | Average Monthly Rate | Average Annual Rate |
|---|---|---|
Alabama | $42 | $507 |
Alaska | $25 | $304 |
Arizona | $96 | $1,149 |
Arkansas | $88 | $1,056 |
California | $87 | $1,040 |
Colorado | $71 | $855 |
Connecticut | $72 | $866 |
Delaware | $49 | $584 |
Florida | $71 | $848 |
Georgia | $64 | $774 |
Hawaii | $50 | $600 |
Idaho | $27 | $320 |
Illinois | $69 | $822 |
Indiana | $56 | $677 |
Iowa | $39 | $471 |
Kansas | $46 | $551 |
Kentucky | $54 | $645 |
Louisiana | $103 | $1,239 |
Maine | $30 | $363 |
Maryland | $66 | $795 |
Massachusetts | $112 | $1,345 |
Michigan | $111 | $1,334 |
Minnesota | $39 | $467 |
Mississippi | $71 | $855 |
Missouri | $71 | $846 |
Montana | $13 | $154 |
Nebraska | $39 | $473 |
Nevada | $89 | $1,069 |
New Hampshire | $57 | $688 |
New Jersey | $70 | $843 |
New Mexico | $65 | $781 |
New York | $30 | $364 |
North Carolina | $35 | $418 |
North Dakota | $20 | $245 |
Ohio | $37 | $439 |
Oklahoma | $53 | $631 |
Oregon | $85 | $1,020 |
Pennsylvania | $56 | $675 |
Rhode Island | $44 | $525 |
South Carolina | $55 | $665 |
South Dakota | $35 | $419 |
Tennessee | $74 | $883 |
Texas | $91 | $1,090 |
Utah | $49 | $583 |
Vermont | $26 | $310 |
Virginia | $76 | $914 |
Washington | $30 | $357 |
Washington D.C. | $87 | $1,046 |
West Virginia | $39 | $474 |
Wisconsin | $32 | $385 |
Wyoming | $32 | $386 |
$689 |
How Does Custom and Modified Bike Insurance Work?
Typically, the custom and modified coverage options available to you depend on the types of changes made and how many modifications happened on the vehicle. So, to clear up what options are best or needed for you, we've broken down our recommendations below:
Full Coverage: Best For Bikes With Few Modifications
Standard full coverage policies with accessory coverage will provide you with some amount of accessory coverage as well and can be up to $30,000 if you have more valuable modifications.
Agreed Value Insurance: Best For Homemade, Composites, Classic and Rebuilt Frame Bikes
These types of motorbikes do not have a defined value and or have a higher value than when they are bought. So in this case, you'll need agreed value insurance to properly cover your vehicle for what you believe it is worth. This is different from a standard policy as it insures you for an agreed upon amount rather than an actual cash value estimate.
Custom Motorcycle Insurance: Best for Bikes Made For Racing That Have Performance Upgrades
Motorcycles that are used primarily for racing or have modifications that make them not street legal like turbo, need custom motorsports insurance.
How To Save on Motorcycle Insurance For Custom and Modified Bikes
While insurance tends to be more expensive for custom and modified bikes, there are still ways to help you save. So below, we'll outline some easy methods to get the best pricing possible:
- 1
Decide Coverage Needs Before Buying
Insuring a custom or modified bike is often hardest due to the lack of transparency over the value of the vehicle. We recommend calling an independent agent on the phone that specializes in this type of coverage to avoid captive agents trying to sell higher coverage and get genuine advice for your vehicle.
You should also keep in mind the costs of any modifications, the base price you bought a bike for (if this applies), and/or costs of builds to determine a rough value estimate before speaking with an agent.
- 2
Take Advantage of Discounts
Many providers offer discounts associated with memberships, paying in full, safety devices and military affiliation that can help you save. Regardless of if you get a standard policy with accessory coverage or an agreed value plan, you can also bundle with existing policies, so if you like your current company, you can save even more overall.
- 3
Get a Motorcycle License
Many people just have a motorcycle endorsement on their auto license rather than a formal bike license. From our research we found that getting an official motorcycle license can save you 8% more than just an endorsement.
- 4
Compare Quotes
The easiest way to save on motorcycle insurance is to compare quotes from multiple companies for the same coverage. This allows you to save up to 18% overall on full coverage policies.
Best Custom and Modified Motorcycle Insurance: Bottom Line
While coverage options can be limited and expensive, MoneyGeek's experts found that Progressive, Dairyland, and Harley Davidson can get you an affordable policy with some of the best options. However, we still recommend that you search around for yourself and consult independent agents to find the best custom motorcycle insurance for you.
Custom Motorcycle Insurance: FAQ
Our experts answered some common frequently asked questions about motorcycle insurance for custom and modified bikes:
Who offers the best motorcycle insurance for custom and modified bikes?
Progressive earned our title for the best motorcycle insurance for custom and modified bikes with a score of 96 out 100 points. The company offers the most affordable full coverage, the best included coverages for custom and modified items, and good customer service for motorcycle insurance.
Who has the cheapest motorcycle insurance cost for a young riders?
MoneyGeek found that Progressive has the lowest motorcycle insurance rates for custom and modified bikes with an average rate of $47 monthly or 18% below the national average. However, premiums can vary widely from state to state, depending on the modification or custom build, and coverage level chosen.
How much does motorcycle insurance cost for custom bikes?
According to our research, the average custom and modified bike rider pays $691 per year or $58 monthly for a full coverage policy.
How We Determined The Best Motorcycle Insurance For Custom Bikes
Our scoring methodology for the best motorcycle insurance for custom and modified bikes is the following:
- Affordability (55% of Score): This score was used to judge overall affordability for 40-year-olds for a base profile compared to the national average and competitors.
- Customer Experience (25% 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 (20% 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 riding a Honda CRF450RL with a good driving record. These rates are for full coverage policies with limits that 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.