Rider Motorcycle Insurance Review: Affordable Rates With Limited Availability

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Rider insurance is a solid choice for people shopping for motorcycle insurance in New Jersey and Pennsylvania — the only two states where service is available. Rider's limits and endorsement opportunities are comparable to other motorcycle insurance companies, but service can vary slightly depending on which state you live in. Rider also offers off-road vehicle and UTV insurance in addition to its motorcycle coverage.

Rider motorcycle insurance: Our thoughts

Rider's motorcycle insurance is an affordable alternative to larger companies in both states where new policies are available.

Rider motorcycle insurance is a good choice for people who live in the markets where it's available: It's among the most affordable providers in both New Jersey and Pennsylvania. Additionally, many typical bikers will find motorcycle coverage that fits their needs with Rider insurance — along with a few choices for upgrades.

Policies come with un/underinsured motorist (UIM) and liability protections — both with adjustable limits. Additionally, the endorsements available through Rider motorcycle insurance are practical enough to warrant consideration from policyholders who want more than standard coverage. Rider motorcycle insurance offers roadside assistance and protection for accessories, along with comprehensive and collision coverages, as ways to upgrade a standard policy.

Unfortunately, Rider's availability is very limited. Although Rider used to sell motorcycle insurance in eight states across the eastern United States, the insurer now only accepts new policyholders in Pennsylvania and New Jersey. Rider's availability shrank in 2019 after the company was acquired by Plymouth Rock, a New England-based insurer.

Read: Our full review of Plymouth Rock

It's hard to say whether people looking for motorcycle insurance outside of Pennsylvania and New Jersey will be able to purchase coverage again in the future, or whether Plymouth Rock intends to push its own brand in Rider's old markets. For now, however, we recommend Rider motorcycle insurance where you can get it.

Cost of Rider motorcycle insurance quotes

On average, Rider offers cheap motorcycle insurance in both Pennsylvania and New Jersey. It's about 5% and 18% cheaper than the statewide average cost of coverage, respectively. In New Jersey, Rider's typical rates represent about $112 of savings per year on average, while you could save about $30 in Pennsylvania.

We recommend Rider's online experience for people who want fast motorcycle insurance quotes. Unlike other specialty providers, Rider's online platform allows you to quickly request, compare and customize coverage without necessarily contacting an agent.

A bar graph showing the average cost of Rider motorcycle insurance in New Jersey
A bar graph showing the average cost of Rider motorcycle insurance in Pennsylvania

Quotes are based on policies with $100,000/$300,000 bodily injury and $50,000 property damage liability protections.

A bar graph showing the average cost of motorcycle insurance in Pennsylvania
A bar graph showing the average cost of motorcycle insurance in Pennsylvania

Quotes are based on policies with $100,000/$300,000 bodily injury and $50,000 property damage liability protections.

The average cost of Rider's motorcycle insurance in both of its markets is $565 per year. This makes Rider cheaper than the national average cost of coverage, per our calculations.

Insurance discounts at Rider

Rider insurance offers different discounts depending on which state you live in, but there are still ways to save money on coverage no matter your location.

Depending on your state, there will be different discounts available to you. Although Rider's motorcycle insurance tends to be more expensive in Pennsylvania, you may be able to save money in this state by qualifying for up to 17 discounts. Conversely, in New Jersey you can only qualify for four.

Generally, it's also harder to qualify for discounts in New Jersey than it is in Pennsylvania. You’re not eligible for discounts in either state if you’re under 26, but half of the discounts in New Jersey depend in part on your age. On the other hand, you could receive discounts in Pennsylvania by simply requesting a quote ahead of your current policy's expiration, completing a safety course and having a motorcycle license.

Below, we've displayed some of the most broadly applicable discounts offered by Rider in Pennsylvania and New Jersey.

  • Preferred operator discount: Applicants over 26 years who have clean driving records and drive a non-sport/non-high performance motorcycle
  • Sport bike safe driver: Applicants over 35 with a clean driving record who drive a sport/high performance motorcycle
  • Transfer: Transfer from another insurer with no more than 180 days in between coverages
  • Multiple bike: Discount percentage based on the number of vehicles
  • Loyalty: Applied to all renewing policies with no lapses in coverage
  • Home Owner: Own a home
  • Advanced quote: Request a policy at least five days before your policy's effective date
  • Claims free: Have a record with no losses in the prior three years
  • Rider experience: Have three years of experience riding a motorcycle
  • Smart rider: Applied to riders who have no tickets or at-fault accidents in the last three years
  • Anti-lock brake: Operate a bike with anti-lock brakes
  • Anti-theft: Applies to comprehensive coverage policies for vehicles with anti-theft devices
  • Safety course: Complete a safety course and receive this discount for three years
  • Motorcycle driver's license: Carry a valid motorcycle endorsement

Boldened text indicates the discounts that are available in both New Jersey and Pennsylvania, otherwise you may only qualify in Pennsylvania

Coverages offered by Rider motorcycle insurance

Rider has more coverage options than a typical small provider. In addition to its bodily injury and property damage liability coverage, Rider Insurance also offers a range of upgrades in both states for people who want extra coverage.

You can raise your liability coverage up to $250,000 per person/$500,000 per accident. This matches the maximum limits offered online by other large motorcycle insurance providers, like GEICO and Progressive. If you add comprehensive and collision coverage, you can receive $8,000 of custom parts and accessories protection.

Rider's policies include replacement cost coverage for certain motorcycles. Your bike could be eligible if you've purchased it during the 12-month period before the loss date. Typically, Rider's motorcycle insurance also comes with coverage if your passenger is injured in an accident. We've tabulated Rider's coverage options below:

CoverageCoverage options
Bodily injury liability$25,000/$50,000
$50,000/$100,000
$100,000/$300,000
$250,000/$500,000
Property damage liability$10,000
$25,000
$50,000
$100,000
Comprehensive and collisionUp to $45,000
Accessory and custom parts$8,000 included with purchase of comprehensive and collision coverage
Roadside assistanceIncluded on all policies
Helmet, apparel and trip interruptionProvided with comprehensive and collision

Customer feedback for Rider motorcycle insurance

Customer feedback for Rider is generally positive. According to data from the National Association of Insurance Commissioners (NAIC), Rider received only two service complaints in 2018. During 2016 and 2017, Rider Insurance had no complaints filed against it.

Although it receives few complaints, Rider's NAIC Complaint Index is affected more by a single complaint than larger insurers. For this reason, Rider Insurance has a 1.51 Complaint Index — which means the insurer receives about 50% more complaints than its market share would lead one to expect. Even so, we don't believe that Rider's customer service is of poor quality given the low total of complaints since 2016.

Rider Insurance isn't rated by A.M. Best, a credit-rating agency that assesses financial strength in the insurance industry. However, the company that recently acquired Rider, Plymouth Rock, is rated by A.M. Best with an A-, indicating strong ability to meet its financial obligations.

How did we evaluate Rider?

To evaluate Rider Insurance, we collected 824 motorcycle insurance quotes from ZIP codes across New Jersey and Pennsylvania — the insurer's markets. We compared these rates with prices we compiled from other insurers in the two states. We collected rates for the following companies:

  • GEICO
  • Progressive
  • Dairyland
  • Esurance
  • Nationwide

We collected rates for a 45-year-old married male motorcyclist insuring a 2019 Harley-Davidson FLHX Street Glide. Our driver had more than 20 years of experience riding motorcycles. All of these factors can influence rates. Additionally, your premiums depend on your personal insurance history, your driving record and the amount of coverage you purchase. The rates you receive are likely to vary.

We insured our sample profile with:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: Included/$500 deductible
  • Comprehensive coverage: Included/$500 deductible
  • All other coverages: Not included
Andrew Hurst

Andrew Hurst is a Technical Writer at ValuePenguin who specializes in home and renters insurance. He previously taught composition and research at Wright State University.

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.

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