GEICO Motorcycle Insurance Overview 2026
GEICO is one of the most popular motorcycle insurance providers in the US — their combination of competitive pricing, easy online quoting, and 24/7 customer service makes them a top choice for many riders. Here's what you need to know about GEICO motorcycle insurance in 2026.
GEICO Motorcycle Insurance Rates 2026
GEICO motorcycle insurance rates vary significantly by bike type, rider age, location, and coverage level. Here are typical GEICO rate ranges for 2026:
| Bike Type / Rider | GEICO Liability Only | GEICO Full Coverage |
|---|---|---|
| Cruiser / 35-year-old clean record | ~$120-$200/yr | ~$300-$600/yr |
| Standard bike / 30-year-old clean record | ~$100-$180/yr | ~$250-$550/yr |
| Sport bike (600cc) / 25-year-old | ~$300-$500/yr | ~$700-$1,400/yr |
| Touring bike / 45-year-old | ~$150-$280/yr | ~$350-$750/yr |
| Scooter / Any age | ~$75-$150/yr | ~$180-$400/yr |
GEICO Motorcycle Insurance Discounts
| Discount | Typical Savings | How to Qualify |
|---|---|---|
| Safety course (MSF) | 5-15% | Complete approved motorcycle safety course |
| Multi-policy (bundle with auto/home) | 5-25% | Insure motorcycle + car or home with GEICO |
| Experienced rider | 5-10% | 3+ years licensed, clean record |
| Motorcycle association member | 5% | AMA, HOG, or other qualifying memberships |
| Anti-theft device | 5-10% | Install qualifying anti-theft system |
| Storage discount | 5-10% | Store bike in locked garage |
| Mature rider (50+) | 5-10% | Age 50+ with clean riding record |
GEICO Motorcycle Insurance Coverage Options
- Bodily Injury Liability: Pays for injuries you cause to others — required in most states
- Property Damage Liability: Pays for damage to others' property
- Collision: Repairs your bike after an accident regardless of fault
- Comprehensive: Covers theft, vandalism, weather, and non-collision damage
- Uninsured Motorist: Protects you when at-fault driver has no insurance
- Medical Payments: Covers your medical bills after an accident
- Roadside Assistance: Towing and emergency roadside help
- Custom Equipment: Covers aftermarket accessories up to $3,000
How to Get a GEICO Motorcycle Insurance Quote
- Online: Visit geico.com/motorcycle — get a quote in 5-10 minutes
- Phone: Call 1-800-207-7847 — 24/7 availability
- App: GEICO mobile app — manage policy and file claims
GEICO Motorcycle Insurance — Pros and Cons
Pros:
- ✅ Competitive rates for most rider profiles
- ✅ Easy online quoting and policy management
- ✅ Strong financial strength (A++ AM Best)
- ✅ 16+ available discounts that stack
- ✅ Available in all 50 states
- ✅ 24/7 customer service and claims
Cons:
- ⚠️ Not always cheapest for sport bikes (Progressive often better)
- ⚠️ Custom parts coverage limited to $3,000 standard
- ⚠️ No local agents — phone and online only
Frequently Asked Questions
Yes — GEICO is one of the most reputable motorcycle insurers in the US with strong financial strength (A++ AM Best), competitive pricing for most rider profiles, and 16+ available discounts. However always compare GEICO against Progressive and Dairyland since the cheapest insurer varies by individual profile.
You can get a GEICO motorcycle quote online at geico.com/motorcycle in 5-10 minutes, by calling 1-800-207-7847, or through the GEICO mobile app. You'll need your bike's VIN, current odometer reading, and your driver's license information. Use the comparison tool on BeSecuredNow to compare GEICO against other providers simultaneously.
GEICO insures most motorcycle types including cruisers, sport bikes, touring bikes, standard bikes, scooters, and mopeds. They also cover custom and antique motorcycles. High-performance track bikes and racing motorcycles are typically excluded from standard motorcycle policies.