Cheap Motorcycle Insurance (2026)

Dairyland offers coverage options that are important for daily riders. You can add on roadside assistance and rental reimbursement, which helps pay for a rental vehicle while your bike is in the shop after a crash.

However, Dairyland motorcycle insurance only has a few discounts to help riders save money. For example, you won't get a discount for making automatic payments or having a good driving record.

Riders aren't always happy with the service they get from Dairyland. The company gets four It may take longer to get your bike fixed after an accident.

Progressive motorcycle insurance costs around $23 per month, and it comes with more protection than most basic policies.

A basic policy from Progressive includes replacement cost coverage, original equipment manufacturer (OEM) parts coverage and $3,000 of custom parts protection when you have comprehensive and collision coverage. Most companies charge extra for these coverage options.

You can also find coverages that most other companies don’t offer. For example, you can insure your helmet, gloves, jacket and other protective riding gear

Progressive has lots of ways to lower your motorcycle insurance payments. Some discounts are easy to get. You can save by making electronic payments, proving you have a motorcycle license and paying on time.

Additionally, Progressive gets 24% fewer complaints than average companies of a similar size. This shows that Progressive customers are likely happy with their coverage and service.

Full coverage motorcycle insurance from Harley-Davidson costs $24 per month. That's only $2 per month more than the cheapest company, Dairyland. Riders can get even lower rates by qualifying for discounts.

On top of its cheap rates, Harley-Davidson has some of the best motorcycle discounts available to help you get a cheaper rate.

Harley-Davidson Insurance has a mixed customer service reputation. In 2024, it had many customer complaints from riders in California and New York, according to the National Association of Insurance Commissioners. But riders elsewhere are typically happy with their experience with Harley-Davidson insurance.

Harley-Davidson doesn't sell car, home or renters insurance. You'll have to work with more than one company for your overall insurance needs. That can be inconvenient if a major incident damages your bike and home or car, like a fire.

The average Geico policy is $36 per month, which is $3 per month more than the national average. But it may be worth spending a little more on motorcycle insurance, if the bundling discount lets you save on your car insurance rates.

There are several ways you can save up to 10% when buying motorcycle insurance from Geico. Depending on where you live, you can combine discounts. This means you could get a lower-than-average rate.

Geico also allows you to pay in installments, instead of having to pay the balance all at once. This helps make motorcycle insurance more affordable by allowing you to split the annual cost into manageable payments. In comparison, some companies require you to pay your entire year’s balance upfront.

Geico offers enough coverage for most riders. However, it doesn't have some standard options, like rental reimbursement and original equipment manufacturer (OEM) coverage. Daily riders and people with custom bikes should consider another company.