Best Motorcycle Insurance Companies
Progressive is the largest motorcycle insurer in the United States. Coverage options include custom parts and equipment up to $3,000, total loss coverage, trailer coverage, and a disappearing deductible for claim-free riders.
✅ PROS
- Covers all motorcycle types
- Custom parts & equipment coverage
- Disappearing deductible
- Multi-bike discount
⚠️ CONS
- Not always the cheapest
- Below-average claims satisfaction
How to Lower Your Motorcycle Insurance Premium
- Complete an MSF motorcycle safety course — earns 5–15% discount at most insurers
- Bundle with auto or home insurance for multi-policy savings
- Store your bike securely in a locked garage
- Choose a less powerful bike — lower engine size means lower premium
- Consider seasonal coverage if you don't ride year-round
- Maintain a clean riding record — accidents raise premiums significantly
Frequently Asked Questions
Most policies include passenger liability coverage by default, but check your specific policy — some insurers require an add-on for full passenger medical coverage.
Nearly every state requires at least liability coverage to legally ride, with the exact minimum limits varying by state. A few states have different requirements for smaller-engine bikes — check your specific state's DMV requirements.
Yes — many insurers offer seasonal or "lay-up" coverage that reduces your premium during months you're not riding, while maintaining comprehensive coverage against theft or damage while stored.