A+Progressive AM Best rating
$30,000Max accessory cover with Progressive
10%Typical GEICO discount per qualifying item
25+ yrsBike age for classic cover (Nationwide)
Key takeaway: Progressive offers the broadest standard motorcycle features, including $3,000 of accessory cover with full coverage and new-bike replacement after a total loss. GEICO publishes simple discounts for courses, multiple bikes and mature riders. Dairyland suits higher-risk riders and offers seasonal options. Harley-Davidson Insurance and Nationwide’s classic program serve specific riders. Compare quotes for your bike, because prices vary widely.
How we put this guide together: We compared insurers’ published coverage and discount pages, AM Best announcements and MoneyGeek’s and Insurify’s 2026 analyses. We don’t create our own scores. Prices vary by state, bike and rider; figures were checked in October 2026. See our advertiser disclosure.

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Insurers at a glance

InsurerNotable featuresGood for
Progressive$3,000 accessory cover with full coverage (up to $30,000 available); MSRP replacement for new bikes; disappearing deductible; OEM parts; AM Best A+Most riders wanting broad features
GEICODiscounts up to 10% each for safety courses, multiple bikes, mature riders and multi-policyBudget-conscious riders who bundle
DairylandGuest passenger liability, OEM parts option, replacement cost for bikes 2 years old or newer, seasonal cover in some areas, vintage agreed valueHigher-risk riders; seasonal riders
Harley-Davidson InsuranceBike replacement cost for new bikes; genuine H-D parts; H.O.G. and Riding Academy discountsHarley owners
Nationwide (with Hagerty)Guaranteed (agreed) value for bikes 25+ years old; no fixed mileage limit; apparel coverClassic and vintage bikes

Sources: insurer coverage and discount pages; AM Best via Business Wire (Progressive, April 2025).

Progressive

Insurify ranks Progressive best overall for motorcycles. Full-coverage policies include $3,000 of accessories and custom parts cover, with more available up to $30,000. New bikes written off in a total loss are paid at full MSRP minus the deductible (within model-year limits). Its disappearing deductible drops 25% for each claim-free policy period, to $0, in most states. Optional enhanced injury protection pays up to $250 a week for up to two years. MoneyGeek found Progressive charged riders without a motorcycle endorsement 12% more for full coverage.

GEICO

GEICO lists discounts of up to 10% each for transferring a policy, insuring multiple motorcycles, mature riders, renewals, completing an MSF or military safety course and bundling with a car or RV policy, plus up to 20% for MSF instructors. Not all discounts can be combined. Insurify names GEICO a strong choice for budget-conscious riders.

Dairyland

Dairyland specializes in non-standard and higher-risk riders. It offers guest passenger liability, rental reimbursement, Physical Damage Plus for genuine OEM parts, replacement cost on bikes two model years old or newer, seasonal insurance in some areas and agreed-value cover for vintage bikes 25 years or older. Collision covers a bike that tips over.

Specialist options

Harley-Davidson Insurance (underwritten by Sentry) offers replacement cost for new bikes, genuine H-D parts and owner-group discounts. For bikes 25 years or older, classic motorcycle insurance from Nationwide and Hagerty covers an agreed value.

How to choose

  1. Decide what cover you need; see our coverage guide.
  2. Value your accessories and check each insurer’s limit.
  3. Check total-loss terms for new bikes (MSRP or replacement cost).
  4. Ask which discounts apply to you; see our discounts guide.
  5. Get at least three quotes for your exact bike and riding history; see average costs.

Frequently asked questions

What is the best motorcycle insurance company?

Progressive offers the broadest standard features, but GEICO, Dairyland, Harley-Davidson Insurance and Nationwide each suit particular riders. Compare quotes for your bike.

Does Progressive cover motorcycle accessories?

Yes. Full-coverage policies include $3,000 of accessories and custom parts cover, with up to $30,000 available.

Which insurer is best for high-risk motorcycle riders?

Dairyland specializes in non-standard riders and was named by Insurify as a strong option for high-risk riders.

Is Harley-Davidson Insurance only for Harleys?

It’s designed for Harley owners, with genuine-parts and owner-group benefits. Check eligibility for other brands with the company.

What insurance is best for a vintage motorcycle?

A classic motorcycle policy with agreed-value cover, such as Nationwide’s program with Hagerty for bikes 25 years or older.

Sources

Insurance prices, discounts and rules change often and vary by state. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.