The Best Motorcycle Insurance Companies (2026)
Progressive is the best motorcycle insurance company for most people, with low rates, extra coverage and great service.
Find Cheap Motorcycle Insurance Near You
Best insurance companies for motorcycles
Best motorcycle insurance for most people: Progressive
Editor's rating
Monthly rate: $23 ?
Pros and cons
Cheap quotes
Basic policy includes extra coverage
Reliable customer service
Doesn't offer rental reimbursement
Progressive has great coverage and reliable customer service at $23 per month. That's $10 per month cheaper than average.
All of Progressive's motorcycle insurance policies pay to replace or fully fix your bike with parts made by the manufacturer .
In contrast, most insurance companies pay only what your bike was worth at the time and use what are called .
Progressive also includes $3,000 of coverage for custom parts, upgrades and customizations when you get collision and comprehensive coverage. This means your policy covers things like a custom saddle or stereo. And you can pay extra to raise the limit up to $30,000.
The company also has good customer service with 35% fewer complaints compared to an average company of the same size.
However, Progressive doesn't offer rental reimbursement coverage for motorcycles. You may want this coverage if you don't have another vehicle or if you ride your bike every day.
Best cheap motorcycle insurance: Dairyland
Editor's rating
Monthly rate: $22 ?
Pros and cons
Cheapest motorcycle insurance quotes
Offers roadside assistance and rental reimbursement
Discounts available
Poor customer service
Dairyland has the best motorcycle insurance rates in the country.
On average, policies cost $22 per month, with rates as low as $14 per month in some states. Available add-on coverages include:
- Emergency roadside assistance includes service for flat tires, bad batteries, mechanical or electrical problems, fuel, fluid, oil or water refills and tow service.
- Rental reimbursement helps cover the cost of a rental vehicle while your motorcycle is in the shop after a crash. This is an important coverage to have if you ride your bike to get to work or for everyday activities.
- Replacement cost coverage will pay to fully restore or replace your motorcycle after a crash like it's brand new if it's less than 3 years old. Many other companies have a one-year cap on this.
- Special equipment and OEM coverage: You can add coverage that will replace any original or custom parts with the same or better parts.
These coverages make it a great choice for riders who use their motorcycle as their main vehicle.
Riders aren't usually thrilled with the service they get from Dairyland, though. It gets 60% more complaints than an average insurance company its size. If you're in an accident, it may take longer to settle your claim with Dairyland compared to other companies.
Best company for motorcycle insurance discounts: Harley-Davidson
Editor's rating
Monthly rate: $24 ?
Pros and cons
Low-cost motorcycle insurance
Lots of discounts to help you save
Plenty of coverage options to customize your policy
Doesn't offer car or home insurance
Harley-Davidson Insurance offers lots of discounts on top of its already cheap rates.
Full coverage Harley-Davidson motorbike insurance costs just $24 per month, on average. That's $9 per month cheaper than the national average. And your rate could be even lower if you get one or more of the 13 discounts the company offers. This makes Harley-Davidson one of the most affordable motorcycle insurance companies in the country.
- Anti-theft discount for riders who install an audible alarm or LoJack system on their bike
- Bundled protection discount if you buy another product from Harley-Davidson, like a planned maintenance policy
- Claim-free renewal discount if you avoided making a claim during the last policy period
- Experienced rider discount based on the number of years you've had a motorcycle license
- H-D Riding Academy discount when you complete the H-D Riding Academy New Rider Course
- H.O.G. membership discount for members of the Harley Owners Group
- Homeowner discount for riders who own a home and have homeowners insurance from any company
- Loyalty discount for riders who have Harley-Davidson Insurance for more than one year
- Military and law enforcement discount for active or retired military or law enforcement members
- Motorcycle endorsement discount for riders with a motorcycle endorsement on their license
- Multicycle discount when you insure more than one motorcycle with Harley-Davidson
- New bike discount for riders with a brand-new motorcycle
- Prompt payer discount for making your motorcycle insurance payments on time
Harley-Davidson also has lots of coverage add-ons to help you customize your motorcycle insurance policy. Options include roadside assistance, rental reimbursement coverage, vacation rental coverage and custom equipment coverage.
The main downside to Harley-Davidson Insurance is that it doesn't sell car, home or renters insurance policies. If you need to protect another vehicle, your home or your belongings, you'll have to get a policy from a different company. That can be inconvenient, especially if you have a major emergency, like a fire that damages both your home and bike.
Best motorcycle insurance for young riders: Geico
Editor's rating
Monthly rate: $36 ?
Pros and cons
Allows monthly payments
Offers multiple discounts
Not the cheapest option
Limited coverage options
Geico has good motorcycle insurance for young riders because it lets you pay your bill in installments.
Young bikers on a budget may find this helpful. In comparison, many companies require you to pay your annual rate in full up front. However, you'll probably have to pay Geico a small fee for each installment.
Geico's motorcycle insurance isn't typically the cheapest option. The average cost of a full coverage policy is $36 per month. That's $3 per month more than the national average. But you could lower your rate with one or more of Geico’s discounts. For example, young riders who take a Motorcycle Safety Foundation or Military Safety Course get a 10% discount.
Geico motorcycle insurance allows you to customize your coverage to meet your needs. That means policies don't automatically include extra coverage that young riders may not need. However, it doesn't offer some popular upgrades, like original equipment manufacturer (OEM) coverage.
Best for military riders: USAA
Editor's rating
Monthly rate: $22 ?
Pros and cons
Highly rated customer service
Military-specific discounts
Offers loan financing for bikes
Only available to bikers with military ties
USAA doesn't offer motorcycle insurance directly. It refers its members to Progressive, one of the best companies for motorcycle insurance.
Progressive offers a 5% discount to USAA members, making its coverage even more affordable. On average, a full coverage Progressive policy costs $22 per month after the USAA discount.
Many bikers can't buy USAA motorcycle insurance, though. It's only available to military members, veterans and their families.
USAA also offers motorcycle loans and financing, making it a one-stop shop for people looking to buy a new motorcycle.
Besides motorcycles, USAA also sells insurance for ATVs, mopeds and scooters.
Best-rated motorcycle insurance companies
Harley-Davidson is the top-rated insurance company for motorcycles.
That's because Harley-Davidson has dependable service, affordable quotes and useful coverage options.
Progressive is another highly rated option. It gets fewer complaints than other major insurance companies and offers great rates to most riders.
Best insurance for motorcycles
Company | Editor's rating |
Customer complaints
|
|---|---|---|
| Harley-Davidson | Average | |
| Progressive | Fewer than average | |
| USAA | Average | |
| Dairyland | More than average | |
| Allstate | Fewer than average |
Choosing a company with reliable customer service is just as important as finding the cheapest rate. Consider Progressive, Nationwide, Allstate or Geico motorcycle insurance quotes since these companies get a low number of complaints.
Great customer service can make the claims process less stressful after an accident. Companies with poor service reviews may take longer to process your claim. You may also end up paying more out of pocket.
Frequently asked questions
What is the best motorcycle insurance company?
The best motorcycle insurance depends on your coverage needs, the type of motorcycle you have, your riding habits and where you live. For example, Dairyland has the best rates for most riders. But Progressive is the best company for custom bikes because of its OEM and custom parts coverage.
What's the cheapest motorbike insurance?
Dairyland has the cheapest motorbike insurance, with an average rate of $22 per month. That's $11 per month cheaper than the national average.
Is Geico or Progressive better for motorcycle insurance?
Progressive has better motorcycle insurance than Geico for most people. Full coverage motorcycle insurance from Progressive costs around $23 per month. That's $13 per month less than a Geico motorcycle insurance policy. In addition, Progressive's basic policy includes more coverage than a standard Geico motorcycle insurance policy.
How much is good bike insurance?
The average cost of full coverage motorcycle insurance is $33 per month in the U.S. However, you may be able to get good bike insurance for less. The best motorcycle insurance company for most people, Progressive, charges an average of $23 per month.
Methodology
To find the best insurance for a motorcycle, ValuePenguin collected thousands of quotes from top insurance companies across the country. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
To choose the best motorcycle insurance company in each category, our experts considered the coverages offered, rates, available discounts and customer service reputation.
Insurance company ratings from ValuePenguin editors and the National Association of Insurance Commissioners (NAIC) complaint index were evaluated to determine the best companies.
- ValuePenguin editor's ratings are based on customer service reviews, coverage availability and the overall quality a company provides its riders.
- The NAIC complaint index scores insurance companies based on the number of complaints they receive compared to other similar-sized companies. Scores are based on all private passenger auto insurance complaints, which include motorcycle insurance complaints.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
