Bike insurance for high-risk riders : It can be hard to find the right motorbike insurance, but riders are required by law to do so and should do so. Luckily, the best motorcycle insurance companies may have plans that are both cheap and provide a lot of coverage to keep you safe on the road.
The MarketWatch Guides Team looked into the best motorcycle insurance companies in the US to find the best coverage plans. Our experts put together a list of the best and most affordable motorcycle insurance choices by looking at each company’s average costs, coverage details, reputation, and customer satisfaction.
Main Points:
Geico is our top choice for motorcycle insurance because its rates are usually low and it has a good name.
Progressive gives you the most choices when it comes to motorcycle insurance.
The best way to find cheap bike insurance is to get prices from several companies.
Other Resources
Cheap insurance for motorcycles
Bundles of car and motorcycle insurance
Review of Progressive Motorcycle Insurance
Review of Geico Motorcycle Insurance
The California Motorcycle Insurance That Works Best
How much is insurance for a motorcycle?
This study talks about:
The best companies for motorcycle insurance
How to Get the Best Insurance for Your Motorcycle
How to Get Motorcycle Insurance for Less Money
The Bottom Line on the Best Motorcycle Insurance Companies
What is the best motorcycle insurance?
Compare quotes on motorcycle insurance
You can save money on your coverage by answering a few easy questions.
Number of characters
Compare Prices
Why You Can Believe The MarketWatch Guides Staff ?
The best companies for motorcycle insurance
It can be hard to figure out which companies have the best motorcycle insurance plans, but we did the work and found the biggest names in the business. Read on to find out more about why we suggest each company, including how much motorcycle insurance costs on average, the types of coverage they offer, ways to save money, and more.
Overall Score Our Award
- The Editors’ Pick for Geico 9.3
- Progressive 9.0 Coverage That Includes Everything
- 8.8 State Farm is the best choice for close-by service
- Dairyland 8.3 Good Coverage for Riders Who Are at High Risk
- Erie Insurance 8.3 Best Choice for Coverage in the Area
The people on our editing review team decide what the ratings are. Read on to find out more about how we score below.
There are eight things that motorbike riders can do to stay safe while they ride.
Geico Insurance for Motorcycles
A lot of people like Geico motorcycle insurance because it has some of the best coverage choices and some of the lowest rates in the business. Motorcycle riders are happy with the company because it has low prices and many ways to save money. Geico’s full coverage can help you get a new bike after an accident or fix the one that was broken into.
Geico is the second-biggest insurance company in the country. The Better Business Bureau (BBB) gives the company an A- rating and it has a great name in its field. Geico also has an A++ rating from AM Best for its financial strength, which shows that it can regularly pay policyholders’ claims.
Pros
- Some of the lowest rates in the business
- Very good reputation
- Discounts that are easy to get
- Better financial health
Cons
- Not very good customer review scores
- Geico Rating Type Our Score
- 9.0 Full Coverage
- Cost 9.5
- 10.0 for reputation
- 8.5 for customer service
- 9.3 all around
Geico Coverage for Motorcycles
Geico has different types of motorcycle insurance, from the basic coverage you need to cover sidecars and jackets. Other companies may give more extra coverage options, but Geico should have enough to meet the needs of even experienced riders.
Geico gives the following types of coverage:
- Liability coverage for injuries
- Liability coverage for property damage
- Coverage for collisions
- Coverage for everything
- Protection for personal injuries
- Coverage for uninsured or underinsured drivers
- Coverage for accessories
- Tows and roadside help
Get it from Geico
Cost of Geico Motorcycle Insurance
The best thing about Geico motorcycle insurance is right here. When our group looked into how much motorcycle insurance costs across the country, we found that Geico had some of the lowest rates.
Geico also offers a lot of deals that are easy to get. Here are some of the best ways to save money on motorcycle insurance from this company:
Switch to our company and get a deal
Discount for multiple cars
Aged rider discount
Discount for renewing your motorcycle insurance policy
Discount on motorcycle safety course
Discount for instructors from the Motorcycle Safety Foundation
Multiple-policy discount or discount for bundling
Some of the best deals on motorcycle insurance can be found at Geico, and the company is likely to give you a good quote.
Customer Reviews of Geico
Geico’s customer review numbers are average to low, which is pretty normal for the insurance business. The Better Business Bureau gives the company an A- grade, but customers have given it an average score of 1.1 stars out of 5. Customers have also given the insurance company a score of 1.3 stars out of 5.
We tried to get Geico to say something about these numbers but didn’t hear back.
Progressive Insurance for Motorcycles
Progressive is the most popular motorcycle insurance company in the US, and it’s simple to see why. Thanks to its wide range of coverage options and willingness to insure high-risk motorcycle riders, Progressive motorcycle insurance is a good choice that is easy to get. Progressive can fix a lot of different kinds of bikes, like sport bikes, travel bikes, cruisers, custom bikes, and more.
People in the industry have a lot of respect for the company, and customers can rest easy knowing that it has an A+ grade from AM Best for financial strength. The company is financially able to meet its claims responsibilities, as shown by this good score. A+ is also given to Progressive by the Better Business Bureau.
Pros
- Premiums that are pretty cheap
- Very strong cash position
- A lot of choices for extra coverage
- Strong name in the field
Cons
- Not great customer service
- The Better Business Bureau gave it a F grade.
- Our Score in the Progressive Rating Category
- Score 9.5 for coverage
- Cost 9.0
- 10.0 for reputation
- 7.5 for customer service
- All in all 9.0
Progressive Insurance Coverage for Motorcycles
Progressive has some of the widest ranges of motorcycle insurance goods, making it hard to find a company that can match its coverage. Progressive has a strong case for having the best motorcycle insurance plans, with features like basic liability insurance, mechanical breakdown towing benefits, and Carried Contents® coverage for personal things.
Here are some of the company’s best coverages:
- Liability coverage for injuries
- Liability coverage for property damage
- Coverage for collisions
- Coverage for everything
- Coverage for medical bills
- Coverage for underinsured or uninsured drivers
- Coverage for accessories
- Full coverage for losses
- Tows and roadside help
- Coverage for carried contents
- Better safety against injuries
- Lowering the deductible
- Original equipment maker coverage for parts
- The cost of Progressive motorcycle insurance
While we were doing our study, we found that Progressive has great prices. Even so, Geico’s rates were better than the company’s average for many types of riders in our secret buyer test. Getting quotes from several insurance companies is the best way to find the cheapest motorcycle insurance.
Progressive has a long list of great deals that you can use. Also, you’ll see below that most of the ways to save money are open to almost all motorcyclists.
Discount for quote-in-advance
Multi-policy or bundle discount
10% off for members of an association (like the Harley Owners Group or USAA).
Discount on motorcycle license endorsement
Discount on motorcycle safety course
Switch to our company and get a deal
Discount for being a good driver
Discount for paying in full
Discount for paying on time
Auto-discount for paying bills
If you want to find the cheapest motorcycle insurance for you, Progressive might be it. Get a price to find out what you could pay.
Customer Reviews of Progressive Insurance
The fact that Progressive has an A rating shows that it has met the BBB’s standards for getting a high grade score. People aren’t as happy with Progressive as they could be. The business has a BBB grade of 1.1 stars out of 5. Again, poor customer service scores are pretty common in the insurance business, so it’s not a big deal.
Progressive was asked for a word on this score, but we never heard back from them.
State Farm Insurance for Motorcycles
We looked at State Farm in a number of different areas. See below for our scores for each.
- Type of Rating for State Farm Our Score
- Eighty percent coverage
- Cost 8.5
- 9.5 for reputation
- 9.0 for customer service
- In total, 8.8
State Farm is the biggest insurance company in the country, but it still feels like a small business. There are State Farm motorcycle insurance agents all over the United States, so you should be able to find great coverage from one near you.
State Farm has an A+ grade from the Better Business Bureau and is a well-known brand in the business world. The company also has an A++ grade from AM Best for its financial strength.
Pros
- All over the country, local agents
- Lots of good customer reviews
- Excellent name in the field
- A++ grade for financial strength
- Cons
- Rates that are higher than usual
- No quotes on the web
- Coverage for Motorcycles from State Farm
- It’s not easy to find information about State Farm motorcycle insurance benefits because the company sends customers to local agents instead of its website. Most riders will be able to find coverage choices that meet their needs with this company.
Here is a list of the best State Farm rates for motorcycle insurance:
- Liability coverage for injuries
- Liability coverage for property damage
- Coverage for collisions
- Coverage for everything
- Coverage for medical bills
- Coverage for uninsured or underinsured drivers
- Gear covers for safety
- Coverage for sidecars
- Tows and roadside help
- Benefits of trip delay
- Talk to your local State Farm agent about getting motorcycle insurance if the coverage you need isn’t on this list. They can help you find the best policy for your needs.
The cost of State Farm motorcycle insurance
When it comes to car insurance, State Farm usually has good rates, and you can expect the same with its motorbike insurance. It’s not always easy to tell how much State Farm will charge because the company prefers customers to talk to local agents instead of going online.
The company has a new tool for rating motorcycle insurance that you should check out. It gives you a general idea of how much it will cost to cover a certain bike, so you know what to expect. State Farm might cost a little more, but they will give you better care.
When our review team asked State Farm for a statement on its motorcycle insurance rates, this is what they said:
Our goal at State Farm is to give our customers the best value possible by offering low rates on car, home, renters, and motorcycle insurance. State Farm works hard to give customers the best blend of price, service, and security when it comes to motorcycle rates. We value our relationships with our customers very much, and we work hard to be their first and best choice for the goods and services we offer.
What Customers Say About State Farm
State Farm’s motorbike insurance is a little more expensive than other companies’ plans, but the high level of service more than makes up for the price difference. More than 920 Google reviews give State Farm’s offices an average rating of 4.3 stars out of 5. This is a very high rating for the business.
The business also has more than 19,000 local dealers across the country. State Farm’s agents make sure that each person’s motorcycle insurance policy fits their needs. Customers are happy with this amount of care and attention to detail, which is why State Farm has such a high review rating.
Dairyland Insurance for Motorcycles
We looked at Dairyland in a number of different areas. See below for our scores for each.
- Dairyland Rating Type Our Score
- 8.5 for coverage
- Cost 8.5
- 8.5 for reputation
- 7.5 for customer service
- All in all 8.3
Some of the best motorcycle insurance for high-risk riders can be found through Dairyland. This is because the company is known for giving people with bad driving records low rates. But Dairyland motorcycle insurance isn’t offered everywhere, so before you get a quote, you’ll need to make sure it is in your state.
The above providers are much bigger names than Dairyland. However, the BBB has given it an A+ rating, and AM Best has given it an A+ rating for financial health.
Pros
- Average rates that are affordable
- A lot of choices for extra coverage
- A good ranking for financial strength
- A lot of chances to save money
Cons
- Bad reviews of the claims process
- Not many available
- Dairyland Insurance for Motorcycles
- You can choose from a wide range of motorcycle insurance plans through Dairyland. You can get insurance from this company whether you want to protect your passengers on the open road or extra tools.
The full list of Dairyland motorcycle insurance coverages includes:
Liability coverage for injuries
Liability coverage for property damage
Coverage for collisions
Coverage for everything
Coverage for medical bills
Protection for personal injuries
Coverage for uninsured or underinsured drivers
Coverage for special items
Coverage for replacement costs
Coverage for passenger responsibility
Damage to property plus coverage
Tows and roadside help
Payment for the rent
How Much Is Dairyland Motorcycle Insurance?
The rates for motorcycle insurance in the Dakotas are usually pretty low, even for drivers who pose a high risk. The company’s main goal is to cover people who might have trouble getting insurance from other companies, so it knows how to get risky riders to pay less.
On Dairyland’s website, there are a few ways for riders to save money, such as:
Change the price
Several-cycle savings
Discount for home owners
Discount for loyalty
Discount for Harley Owners Group (H.O.G.)
Rider group price cut
Discount on rider course
Customer Reviews of Dairyland
Online reviews of Dairyland Motorcycle Insurance are not all positive. On Trustpilot, customers give Dairyland 4.4 out of 5 stars. On the BBB page, customers only give the company 1.1 out for 5. Customers who have bought from Dairyland have said good things about the company’s low prices and helpful customer service. Most of the complaints about the company are about how it handles cases.
Our team tried to get Dairyland to say something about these scores but didn’t hear back.
Erie Insurance for Motorcycles
We looked at Erie Insurance in a number of different areas. See below for our scores for each.
- Our Score for Erie Insurance Rating Category
- Eighty percent coverage
- Cost 8.5
- 7.5 for reputation
- 9.0 for customer service
- All in all 8.3
Erie Insurance doesn’t have a lot of coverage choices for motorcycles, but the company is known for having great customer service and low prices. However, it only covers a few types of things, and its plans aren’t offered in some big states, like California, Texas, and Florida.
As a smaller motorcycle insurance company, Erie doesn’t get as much attention in the business as some of the bigger, best companies. In fact, you can only get service in
USA Illinois
New York
Commonwealth of Kentucky
North Carolina
New York City
Wake County, NC
Ohio
Pittsburgh, PA
Notch State
Mary Ann
Ohio and West Virginia
What’s in
The District of Columbia
Erie gets an A+ from both the Better Business Bureau (BBB) and AM Best for being a financially strong company.
Pros
- Wonderful customer service
- Good financial health
- Agents in the area
- Prices that are pretty fair
- Cons
- Not many available
- Not many service choices
- Coverage for Erie Motorcycles
When it comes to motorbike insurance, Erie Insurance has a few basic options:
- Liability coverage for injuries
- Liability coverage for property damage
- Coverage for collisions
- Coverage for everything
- Coverage for medical bills
- Coverage for uninsured or underinsured drivers
- Tows and roadside help
Remember that Erie’s basic coverage plan covers the safety features, gear, safety clothing, and other unique touches on your motorbike. You can’t get these options as add-ons because they’re protected from the start.
How Much Is Erie Motorcycle Insurance?
Rates from Erie Insurance are likely to be competitive, but they might not be as cheap as rates from the best insurance companies in the business. Comparing quotes from Erie to those from other top providers is the best way to find out if they can give you the best prices on motorcycle insurance.
Like State Farm, the best way to get in touch with Erie is to go see one of its 13,000 local agents. You can also start the price process online.
Customer Reviews of Erie Insurance
Customers love how friendly and helpful the people who work for Erie Insurance are, and they also love how they offer unique deals. Again, the company’s good customer scores show that it is active in the community.
Google users have given Erie an average rate of 3.0 stars out of 5 based on more than 200 reviews.
Compare quotes on motorcycle insurance
You can save money on your coverage by answering a few easy questions.
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How to Get the Best Insurance for Your Motorcycle
It can be hard to figure out which motorcycle insurance companies offer cheap, good coverage when there are so many to choose from. A few tips to make the process of making a choice easier:
Think about how good a company’s service is. Check to see if a provider has the coverage choices you want.
Read what people have said. Ratings for insurance companies are usually low, but you should still make sure that the company you choose has at least some good ratings and does its best to solve customer problems.
Get several prices for motorcycle insurance. Get free, customized quotes from service providers to help you choose the best choice for your needs.
Try to find deals. Find out what kinds of deals you can get from each company, like usage-based insurance or discounts for groups of riders.
If you can think about bundling your plans. You’ll save money if you can get home, car, and horse insurance all in one package.
To save money, raise your deductible. Your premium will be less if you have a bigger deductible.
See if there are any extras. Forget about accidents and look for ways to save money by not filing claims or having a good driving record.
Keep in mind that the best motorbike insurance companies are experts in different types of coverage. There may be more than one best place to get vintage sport bikes or trikes. The best place to get dirt bikes or custom motorbikes might be different. This is similar to how a scooter, moped, or ATV has very different needs than a Harley-Davidson with OEM or aftermarket parts.
How to Get Motorcycle Insurance for Less Money
It’s easy to lower the cost of your motorcycle insurance. One way is to get quotes from more than one company. To drive safely and keep your insurance rates as low as possible, follow the rules of the road, wear safety gear, and don’t speed to avoid crashes.
How to Get Motorcycle Insurance for Less Money
The Bottom Line on the Best Motorcycle Insurance Companies
We looked at the best companies for motorcycle insurance in this study. We talked about bike insurance from Geico, Progressive, State Farm, Dairyland, and Erie. Check out all of your choices to find the best service for you before making a decision.
What is the best motorcycle insurance?
Here are some questions that people often ask about the best companies for motorcycle insurance:
Which company has the best protection for motorcycles?
Which company has the best prices on motorcycle insurance?
How do I get the best motorcycle insurance for the least amount of money?
How We Did It ?
People trust us to give them fair and correct information, so we made a full review system to come up with our lists of the best motorcycle insurance companies. We got information on dozens of motorcycle insurance companies so that we could rate them on a number of different criteria. Each insurance company got a total score, with the companies that got the most points at the top of the list.
These things are taken into account when we rate:
Cost: Both quotes for motorcycle insurance that were found through secret shopping and chances to save money were taken into account.
Coverage: Insurance companies that give customers a choice of coverage are more likely to meet their needs.
Reputation: To give this score, our research team looked at market share, reviews from experts in the field, and the number of years the company has been in business.
Availability: We gave the most points to auto insurance companies that were available in more states and had few rules for who could get their policy.
Customer Experience: This number is based on how many complaints the NAIC gets and how happy customers are with the service. Based on our own shopper research, we also looked at how responsive, friendly, and helpful the customer service teams of each motorcycle insurance company were.
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