Progressive Motorcycle Insurance Overview 2026
Progressive is the largest motorcycle insurance provider in the United States — and for good reason. They offer the broadest range of coverage options of any motorcycle insurer, the highest available custom parts coverage, and consistently competitive pricing across all bike types.
Progressive Motorcycle Insurance Rates 2026
| Bike Type / Rider | Liability Only | Full Coverage |
|---|---|---|
| Cruiser / 35-year-old clean record | ~$130-$220/yr | ~$350-$700/yr |
| Touring bike / 40-year-old | ~$160-$300/yr | ~$400-$900/yr |
| Sport bike (600cc) / 28-year-old | ~$280-$500/yr | ~$700-$1,500/yr |
| Standard bike / 30-year-old | ~$100-$200/yr | ~$280-$600/yr |
| Scooter / Any age | ~$80-$160/yr | ~$200-$450/yr |
| Any rider / After at-fault accident | ~$250-$500/yr | ~$600-$1,400/yr |
Progressive Motorcycle Coverage Options
- Bodily Injury & Property Damage Liability: Required coverage — pays for others' injuries and property damage you cause
- Collision: Pays to repair or replace your bike after an accident
- Comprehensive: Covers theft, vandalism, weather damage, and non-collision incidents
- Uninsured/Underinsured Motorist: Protects you when at-fault driver has insufficient coverage
- Medical Payments: Covers your medical bills after an accident regardless of fault
- Custom Parts & Equipment: Up to $30,000 coverage for aftermarket accessories
- Agreed Value: Receive the full insured value — not depreciated value — in a total loss
- Roadside Assistance: 24/7 towing and emergency roadside service
- Trip Interruption: Covers lodging and meals if breakdown occurs 100+ miles from home
- Trailer & Sidecar: Coverage for trailers and sidecars attached to your motorcycle
Progressive Motorcycle Discounts
| Discount | Savings |
|---|---|
| Multi-policy (bundle with auto) | Up to 15% |
| Snapshot safe driver program | Up to 20% |
| Safety course completion | 5-10% |
| Pay in full (annual) | 5-10% |
| Homeowner discount | 5-10% |
| Continuous insurance (no gap) | 5-10% |
| Association member (AMA, HOG) | 5% |
Frequently Asked Questions
Yes — Progressive is the #1 motorcycle insurer in the US for good reason. They offer the broadest coverage options (including up to $30K custom parts coverage), competitive pricing for most rider profiles, and strong claims handling. Particularly recommended for riders with custom bikes, touring bikes, or those who have had previous accidents.
You can get a Progressive motorcycle quote online at progressive.com, by calling 1-800-776-4737, or through the Progressive app. Have your bike's VIN, current mileage, and your license information ready. Progressive also shows competitor quotes alongside their own — a uniquely transparent feature that makes comparison easy.
Yes — Progressive insures cruisers, sport bikes, touring bikes, standard bikes, scooters, mopeds, off-road bikes, trikes, and sidecars. They also cover custom and antique motorcycles. Progressive's breadth of covered motorcycle types is broader than most competitors.