✍️ By BeSecuredNow Editorial Team 📅 Regularly Updated ⏱️ 9 min read

🏍️ Get The Best Motorcycle Insurance in Your Location

Select more than 2 companies for the best rates near you — free, no obligation

📌 Key Takeaway: Motorcycle insurance rates vary dramatically by bike type, rider age, and location. An experienced rider on a standard cruiser can get full coverage for as little as $300–$500 per year. Comparing quotes from multiple providers is essential to finding the best rate for your specific profile.

Best Motorcycle Insurance Companies

🏆 Progressive
Best Overall — Widest Coverage Options
Top Pick
⭐ 4.9 / 5

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.

$320/yr
Avg. Cruiser Full Coverage
A+
AM Best Rating
$3,000
Custom Parts Coverage
✅ PROS
  • Covers all motorcycle types
  • Custom parts & equipment coverage
  • Disappearing deductible
  • Multi-bike discount
⚠️ CONS
  • Not always the cheapest
  • Below-average claims satisfaction
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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