6 Best Motorcycle Insurance Companies in the US
When you're hitting the open road on your bike, the last thing you want to worry about is what could go wrong. That's why motorcycle insurance isn't just a good idea—it’s essential. From protecting your ride against theft and accidents to covering medical bills and liability, the right policy can offer real peace of mind. Whether you own a vintage Harley, a speedy sports bike, or a daily commuter, having the right coverage matters.
At InsureHopper, we make finding the best motorcycle insurance in the US fast and hassle-free. Our powerful comparison tool connects you with multiple top-rated insurers in minutes, helping you lock in the best rates without endless searching. Let's dive into the top providers to consider.
THE BEST MOTORCYCLE INSURANCE COMPANIES IN THE US
1. Progressive
Pros:
Wide range of coverage options
Excellent discounts (especially for bundling)
Strong mobile app for claims and service
Cons:
Premiums can be high for high-risk riders
Why it’s recommended:
Progressive is one of the most recognized names in bike insurance. They offer customizable coverage options, including full replacement cost and OEM parts coverage, which can be crucial for motorcyclists who value their bikes’ authenticity.
States/Regions Served: Nationwide
2. GEICO
Pros:
Competitive pricing
Easy online management
Strong customer service
Cons:
Fewer specialty coverage options for custom bikes
Why it’s recommended:
Known for its affordability, GEICO is a favorite among budget-conscious riders. Their motorcycle insurance policies are simple to customize, and you can score deep discounts for safe driving.
States/Regions Served: Nationwide
3. Dairyland
Pros:
Flexible payment plans
Covers specialty bikes (custom, vintage)
SR-22 filing available
Cons:
Limited availability in some states
Why it’s recommended:
Dairyland shines when it comes to offering insurance for less-common bikes and riders who need SR-22 forms. Their flexible payment options also make them accessible to many.
States/Regions Served: Most states, strong presence in Midwest and South
4. Harley-Davidson Insurance
Pros:
Designed by riders, for riders
Accessory coverage included
Great for Harley owners
Cons:
Higher premiums for non-Harley bikes
Why it’s recommended:
If you ride a Harley, it's hard to beat Harley-Davidson Insurance. Their plans often cover add-ons and customizations that other insurers exclude.
States/Regions Served: Nationwide
5. Markel
Pros:
Coverage for track days and amateur racing
Comprehensive accessory coverageSpecialized policies
Cons:
Higher minimum premiums
Why it’s recommended:
Markel is perfect for serious enthusiasts and racers. They even cover track days, making them stand out among other providers.
States/Regions Served: Nationwide, with special focus on performance and race bikes
6. Nationwide
Pros:
Bundle discounts
Roadside assistance included
Vanishing deductible option
Cons:
Limited specialty bike coverage
Why it’s recommended:
Nationwide offers strong all-around coverage and discounts for bundling home and auto insurance, making it a smart choice for families and frequent riders.
States/Regions Served: Nationwide
OTHER MOTORCYCLE INSURANCE COMPANIES TO CONSIDER
Allstate
Pros:
Rider protection package available
New bike replacement
Cons:
Higher-than-average rates
Why it’s good:
Allstate offers strong protection for riders, including new bike replacement and accident forgiveness programs.
Areas covered: Nationwide
USAA (for military members)
Pros:
Excellent military discounts
High customer satisfaction
Cons:
Only available for military members and families
Why it’s good:
If you qualify, USAA offers unbeatable value and customer service tailored to military life.
Areas covered: Nationwide
Safeco
Pros:
Customizable plans
Good for seasonal riders
Cons:
Not available in all states
Why it’s good:
Safeco specializes in customizable policies perfect for riders who store bikes seasonally.
Areas covered: Select states
IS FULL COVERAGE MOTORCYCLE INSURANCE WORTH IT?
Full coverage motorcycle insurance can protect both your bike and yourself in various situations, but is it right for everyone?
When full coverage makes sense
You have a new, expensive, or customized bike.
You rely on your motorcycle as a primary vehicle.
You’re financing or leasing your bike (most lenders require it).
You live in an area with a high theft or accident rate.
When liability-only might be enough
Your motorcycle is older or low-value.
You only ride seasonally and store your bike properly.
You have a strong emergency fund to cover repairs or replacement.
In short: if replacing your bike would be a major financial hit, full coverage is a smart move.
HOW TO CHOOSE THE RIGHT BIKE INSURANCE
Finding the best motorcycle insurance in the US involves more than just hunting for the lowest monthly premium. The right policy strikes a balance between affordability, protection, and personal needs. Here's a deeper look at what to consider before committing to a plan:
Compare deductible vs. premium
One of the first decisions you'll face is choosing your deductible—the amount you pay out of pocket before your insurance kicks in after a claim.
Higher deductibles generally mean lower monthly premiums, which can save you money over time.
Lower deductibles lead to higher premiums, but you'll pay less if you need to file a claim.
Think about your financial situation: Would you rather pay a little more each month for peace of mind, or are you comfortable covering a larger sum if an accident happens? Riders who are confident in their safety skills or only ride occasionally might lean toward a higher deductible to save month-to-month. However, if your motorcycle is your primary transportation, a lower deductible could be a smarter choice.
Consider usage and bike type
Not all motorcycles—and not all riders—are the same. Insurance companies factor in how you use your bike when calculating rates.
Daily commuters who use their bike for work travel may face higher premiums due to increased risk exposure.
Weekend warriors or seasonal riders often pay less since their mileage and exposure to accidents are lower.
Performance bikes like sportbikes and superbikes tend to cost more to insure because of their higher speed capabilities and greater risk factors.
Cruisers, touring bikes, and standard motorcycles often have lower insurance costs because they're typically used for more relaxed riding.
If you own a custom bike, vintage motorcycle, or high-value model, you may also need special coverage to ensure modifications and rare parts are protected.
Check state minimum requirements
Every state has its own set of minimum motorcycle insurance requirements, typically covering:
Bodily injury liability (for injuries you cause to others)
Property damage liability (for damage to others’ property)
However, just meeting the minimum might not be enough. Many riders opt for higher limits or additional coverage options like:
Uninsured/underinsured motorist coverage
Medical payments or personal injury protection (PIP)
Comprehensive and collision coverage
States like Florida and New Hampshire, for example, have lower requirements, while states like California and New York have stricter insurance rules. Always review your state's regulations carefully—but also think beyond them to truly protect yourself and your investment.
Evaluate discounts (safe rider, garage storage, etc.)
Insurance companies reward responsible riders with numerous discounts that can significantly lower your premium. Be sure to ask about or seek out discounts such as:
Motorcycle Safety Course Completion: Completing a certified motorcycle safety course not only improves your riding skills but can also qualify you for significant insurance discounts.
Bundling Policies: Insuring your home, car, and motorcycle with the same company often leads to substantial multi-policy discounts.
Secure Storage: Keeping your motorcycle in a locked garage or secured parking area can reduce the risk of theft or vandalism—and lower your rates.
Membership Discounts: Being part of motorcycle clubs or associations like the American Motorcyclist Association (AMA) or Harley Owners Group (HOG) may earn you additional discounts.
Good Rider Discounts: Maintaining a clean driving record, free from accidents and tickets, typically earns you lower premiums over time.
Loyalty and Renewal Discounts: Some insurers reward customers for staying with them year after year.
According to the National Highway Traffic Safety Administration (NHTSA), trained riders are statistically less likely to be involved in accidents, which insurers reward with lower premiums.
When shopping for bike insurance, don’t be shy about asking what specific discounts you may qualify for. A few simple actions could make a noticeable difference on your yearly premium.
AVERAGE COST OF MOTORCYCLE INSURANCE BY STATE
Here’s a snapshot of average yearly premiums across the US:
Note: Premiums vary based on your driving record, bike model, age, and coverage needs.
IS FULL COVERAGE MOTORCYCLE INSURANCE WORTH IT?
When shopping for the best motorcycle insurance in the US, one of the biggest questions riders face is whether to go for full coverage or stick with liability-only. Full coverage motorcycle insurance typically includes liability, collision, and comprehensive protection—but is it always necessary? The answer depends on your bike, lifestyle, and risk tolerance.
When full coverage makes sense
There are several situations where investing in full coverage motorcycle insurance is highly recommended:
You have a new or high-value bike. If your motorcycle is new, expensive, custom-built, or a limited edition, full coverage helps protect your major investment. Without it, you could face a total financial loss after an accident, theft, or natural disaster.
You financed or leased your motorcycle. Most lenders require full coverage as part of the financing agreement. They want to protect their asset until it's fully paid off.
You live in an area with high risks. If you ride in areas with heavy traffic, high theft rates, frequent natural disasters (like floods or hailstorms), or where accidents are common, full coverage provides much-needed peace of mind.
You rely on your motorcycle for daily transportation. If your bike is your primary mode of commuting, full coverage ensures you won’t be left stranded financially if something unexpected happens.
You want maximum peace of mind. Even if your bike is older, some riders simply prefer the security of knowing they're covered in nearly any scenario, whether it’s an accident, vandalism, or theft.
Full coverage motorcycle insurance includes:
Liability insurance (covers others if you're at fault)
Collision insurance (pays for your bike’s damages after an accident)
Comprehensive insurance (covers non-accident-related incidents like theft, fire, weather damage)
While it costs more upfront, the protection and reduced financial risk can be well worth it.
When liability-only might be enough
On the other hand, there are situations where a liability-only policy may make more financial sense:
Your bike’s value is low. If your motorcycle is older and its value has significantly depreciated, the cost of full coverage might outweigh what you’d receive in a payout after a claim.
You ride infrequently. Seasonal or occasional riders—those who mainly cruise on sunny weekends—might find liability insurance sufficient for their lower exposure.
You can afford out-of-pocket repairs or replacement. If losing your bike wouldn't be a major financial burden, you might prefer saving money on monthly premiums by sticking to liability coverage.
You have access to another vehicle. If your motorcycle isn't your only form of transportation, and it's more of a hobby than a necessity, minimal coverage might feel more appropriate.
Ultimately, deciding between full coverage and liability-only comes down to how much financial risk you're willing—and able—to assume. It’s about weighing the potential repair or replacement costs against your annual savings on insurance premiums.
Motorcycle insurance isn’t just about following the law—it’s about protecting yourself, your bike, and your future. With so many great providers, you have plenty of options to find the perfect coverage at a price that fits your budget. And thanks to InsureHopper, comparing multiple insurers is easier than ever.
Ready to hit the road with confidence?
GET YOUR FREE MOTORCYCLE INSURANCE QUOTE NOW THROUGH INSUREHOPPER
FAQs
What does motorcycle insurance cover?
Motorcycle insurance typically covers liability (injuries or property damage you cause), collision (damage to your own bike), comprehensive (theft, vandalism, weather), and medical payments.
Is full coverage worth it for older bikes?
If your older bike isn’t worth much, liability-only insurance may be sufficient. However, if it’s a rare or classic model, full coverage might still make sense.
How much is motorcycle insurance per month in the US?
On average, motorcycle insurance in the US costs between $30 to $100 per month, depending on the state, bike, coverage limits, and rider profile.