Comparing Motorcycle Insurance Quotes

Comparing Motorcycle Insurance Quotes

Comparing motorcycle insurance can help you find affordable coverage for your bike.

comparison shopping on phone

Since motorcycle insurance companies often quote the same rider vastly different rates for the same vehicle, comparing motorcycle insurance quotes is an important part of shopping for policies. Doing so can save riders potentially hundreds of dollars per year.

Compare cheap motorcycle insurance options near you

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Read on to see how your location, motorcycle model and insurance provider can all affect the price you pay for coverage.

Why should you compare motorcycle insurance quotes?

Comparing motorcycle insurance quotes can save you a lot of money, as different insurers can provide prices for the same policy. We averaged the national cost of four motorcycle insurance companies and found that the premiums could vary by more than $400 depending on your provider.

A bar graph showing the average national costs of motorcycle insurance
A bar graph showing the average national costs of motorcycle insurance

While national rate data can give you a clue about how expensive a provider tends to be, it's hard to say how much motorcycle insurance will be for riders in your area. To show how costs change by region, we created the following table, which displays rates in some of the country's most popular places for motorcycle riders.

As you'll see, a company's average motorcycle insurance price can be cheaper or much more expensive than prices quoted locally. Some providers, like Nationwide, offer affordable national premiums but may not necessarily be available in your area.

InsurerAZCAMINYTX
Dairyland$1,002$1,982$1,063$1,754$703
GEICO$887$788$1,182$547$650
Progressive$686$2,331$803$975$171
Nationwide$653----$589$683

If you're looking for coverage in any of the states highlighted in our table, you should check out our series on the best motorcycle insurance providers in your area.

Getting an online motorcycle insurance quote

Most major motorcycle insurance companies allow insurance shoppers to gather quotes online. Getting motorcycle insurance quotes online is a great way to compare rates from several insurers, as the process is quick and requires no commitment to purchase a policy.

To gather quotes online, be prepared to provide the following information:

  • Your motorcycle's VIN (or its exact make, model and model year)
  • The number of miles you ride on an annual basis
  • The number of years you've been licensed to ride a motorcycle
  • The date you've taken an accident prevention course, if you've taken one
  • Your current motorcycle insurer and policy limits, if you are currently insured

Compare quotes with these motorcycle insurance companies

Below, we've included some of our favorite motorcycle insurance companies that can provide you with cheap online quotes for insuring your motorcycle. Other companies may require you to speak to an agent for motorcycle quote information.

Progressive motorcycle insurance

Progressive's coverage is the best among its competitors, and its prices are often affordable.
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Progressive's range of discounts and coverage options make it our pick for top motorcycle insurance provider. For example, If you're someone that owns a bike with customized parts, Progressive includes $3,000 of coverage with policies that have comprehensive and collision.

Furthermore, Progressive typically offers affordable rates for many drivers and features a fast and easy-to-use online quote tool. While collecting quotes, we found that it only took about five minutes to get a quote on our motorbike.

GEICO motorcycle insurance

GEICO often has the cheapest rates, so it's a good place to start if you're looking for affordability.
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Anyone shopping around for cheap motorcycle insurance quotes should be sure to check out GEICO, as it typically offers the cheapest motorcycle quotes among its competitors. Because of its low rates, GEICO is a great place to start your motorbike insurance comparison.

Even if you're someone who wants more than the absolute cheapest motorcycle insurance, GEICO is still worth considering. Its customizable limits allow riders to buy policies with high coverage limits.

Nationwide motorcycle insurance

Like Progressive, Nationwide has several forms of extra coverages that come at no additional cost to consumers.
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Nationwide's motorcycle insurance isn't available in as many states as Progressive, but it's a great alternative for people looking to compare prices. It's easy to use Nationwide's quote form to find an online motorcycle insurance quote in minutes.

Motorcycle insurance from Nationwide comes with $3,000 of custom parts protection, along with the chance to upgrade to up to $30,000. Additionally, you can upgrade your policy to include coverage for original equipment manufacturer parts if your bike is damaged and needs repairs.

Dairyland motorcycle insurance

Dairyland has flexible payment options for riders who only take their bikes out during part of the year.
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While it tends to be more expensive than other motorcycle insurance companies, Dairyland's flexible payment plans could appeal to infrequent riders or people who want more freedom to change their coverage limits. Dairyland also has temporary motorcycle insurance for up to 90 days.

If you're a more serious rider, Dairyland has a variety of coverage options available to purchase, including replacement cost coverage, protection for your bike's special parts and total loss coverage for some bikes.

Markel motorcycle insurance

Markel specializes in covering motorcycles of all types for the passionate rider.
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Markel is our favorite insurance company for motorcycle enthusiasts because it can cover more types of motorcycles than typical insurers. It also provides great discounts for people who are insuring several bikes.

Although you can request quotes online, if you are trying to get a quote for a custom motorcycle, you will have to contact Markel over the phone.

What causes motorcycle insurance rates to increase?

Motorcycle insurance companies take into account a variety of factors when setting their rates—including your age, riding history and motorcycle.

If you were recently at fault in an accident or you're insuring a bike that has a higher crash rate, your policy will be more expensive, as insurers will charge more for riders who they perceive to be riskier. However, each insurer weighs factors differently when setting rates, meaning the cheapest motorcycle insurance company for one rider might not be the cheapest for another rider.

In particular, those who have traffic violations on their driving records (such as speeding tickets) should compare quotes from multiple insurers, as rates for these riders can often be quite variable. For instance, in the example below, while every provider charged more for riders with just one speeding violation, Progressive's quote increased by about 45%.

A bar graph showing how the price of your coverage changes after a ticket
A bar graph showing how the price of your coverage changes after a ticket

We recommend using our quotebox to connect with motorcycle insurance companies in your area. This is the best way to get the most accurate rate for you and your bike.

Compare cheap motorcycle insurance options near you

No spam. No hassle. No hidden costs.
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What kind of motorcycle insurance coverage do you need?

Before you can begin collecting motorcycle insurance quotes and comparing rates, you have to determine the ideal policy for you as a rider. You should choose a policy that has the coverages and limits that you are looking for. Additionally, make sure you compare policies that have identical limits.

  • Liability: Unless you live in Florida or Washington state, you will be required to purchase liability coverage for your motorcycle. If you're at fault in an accident, this covers damage to other people and their property.
  • Comprehensive and collision: If your motorcycle is worth more than $5,000, then we recommend you purchase comprehensive and collision coverage—which pays to repair and replace your bike if it's damaged or stolen.
  • Motorcycle accessory coverage: Typical comprehensive and collision coverage may not pay for repairs or replacement for motorcycle accessories such as fairings, windshields and luggage racks. To ensure that these items are insured, you may have to purchase motorcycle accessory coverage as an optional add-on to your policy.
  • Custom motorcycle insurance: If you own a motorcycle that is custom-built or highly modified, then you should consider custom motorcycle insurance. These policies operate on an agreed value rather than the vehicle's Blue Book value, meaning you can ensure the full value of your bike is covered.

Compare motorcycle insurance for mopeds and scooters

Comparing scooter and moped insurance quotes is largely the same as it is for motorcycles. The only difference is that some states have different requirements for these vehicles. Before you start comparing policies, check your state's moped and scooter insurance requirements to see if coverage is mandatory.

However, even if it's not, we recommend you purchase liability insurance. This will protect your assets if you are liable for damages that result from an accident.

What is the best insurance for motorcycles?

The answer depends on several factors, but in short: the best motorcycle insurance policy is one that guarantees you financial protection at an affordable rate. Other than the legally required liability coverage, it's up to you how much collision and comprehensive coverage you want on your bike. Striking the right balance between benefits and cost can be hard, so we've picked out a number of recommended insurers to start with.

Which motorcycle insurance is the cheapest?

In terms of coverages, the cheapest parts of a motorcycle insurance policy are the injury and property liability coverages, which are the only ones required by law. As for the cheapest companies, we've found that the answer can vary depending on what kind of policy you want.

Should I get full coverage on my motorcycle?

Full coverage makes sense for riders who have new or vintage bikes with high price tags, and less so if you're on a budget or starter bike. The question to ask is whether the extra cost of a full coverage premium is acceptable compared to how much you would have to pay yourself if your bike gets damaged or destroyed.

Bailey is a Research Analyst at ValuePenguin, covering insurance. He graduated from Occidental College with a B.A. in Mathematics and a minor in Computer Science. Bailey's analysis has been featured by CNBC, the Houston Chronicle and the National Transportation Bureau Safety Board.

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.