Comparing Motorcycle Insurance Quotes

Find the Cheapest Motorcycle Insurance Quotes in Your Area

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Comparing motorcycle insurance quotes is an important part of shopping for policies—as doing so can save riders potentially hundreds of dollars per year. This is because different motorcycle insurance companies often quote the same riders vastly different rates for policies with identical coverages. Below, we detail what you need to know when shopping for motorcycle insurance, or you can enter your ZIP code above to begin comparing rates from insurers near you.

Why You Should 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. For example, we found that the cost quoted to our New York motorcycle rider by the most expensive insurer to be more than twice than that of the cheapest insurer—amounting to an annual cost difference of over $500.

Graph comparing the average Insurance costs of five insurers across New York

Motorcycle insurance companies take into account a variety of factors when setting their rates—including your age, riding history and motorcycle. Insurers will charge more for riders who they perceive to be riskier. So 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. 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, Progressive's quote—which was the cheapest insurer for our rider profile without any violations—was 28% more expensive than GEICO's for our rider who had recently received a speeding ticket.

Rider profileGEICOProgressive
30-year-old male$942$899
30-year-old male with speeding ticket$1,196$1,527

Quotes are for a full-coverage motorcycle insurance policy for a rider living in Los Angeles, California.

What Kind of Motorcycle Insurance Coverage Do I 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.

Additionally, some states require that motorcycle riders also purchase personal injury protection, which covers your own medical bills and economic losses if you are injured in a motorcycle accident.

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.

Getting Motorcycle Insurance Quotes Online

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

Below, we've included some of our favorite motorcycle insurance companies that can provide you with cheap online quotes for insuring your motorcycle.

Progressive Motorcycle Insurance

Progressive ranks as our best overall motorcycle insurance company because of its bevy of discounts and coverage options. Furthermore, Progressive typically offers fantastic rates and features a fast and easy-to-use online quote tool.

GEICO Motorcycle Insurance

Anyone shopping around for motorcycle insurance quotes should be sure to check out GEICO, as it is known to typically offer cheap motorcycle quotes. Because of its low rates, GEICO is a great place to start your motorbike insurance comparison.

Markel Motorcycle Insurance

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. However, if you are trying to get a quote for a custom motorcycle, you will have to contact Markel over the phone.

Comparing Scooter and Moped Insurance Quotes

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.

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.