8 Best Motorcycle Insurance Companies of 2026

By Kiah Treece

Motorcycle insurance is a specialized form of coverage designed specifically for motorcycle riders and their unique needs on the road. It serves not only as a financial safeguard against accidents, theft and damage, but it also can help you meet legal requirements where you live. The best motorcycle insurance companies stand out by offering comprehensive coverage options, exceptional customer service, competitive pricing and flexible policy customization so you can enjoy your passion with peace of mind.

What Are the Best Motorcycle Insurance Companies?

• Progressive — Best Overall
• Dairyland — Best for Affordable Coverage
• Harley-Davidson — Best for Discounts
• GEICO — Best for Daily Riders
• Allstate — Best for Custom Coverage
• Voom — Best Pay-Per-Mile Coverage
• Amica — Best for Claims Satisfaction
• Foremost — Best for Optimal Equipment Coverage

Best Overall: Progressive

HIGHLIGHTS

Why we chose it: Progressive has made a name for itself as one of the largest insurers of motorcycle riders in the U.S. In fact, the company claims to insure nearly 1 out of every 3 riders.

Progressive offers versatile coverage options and numerous discounts. You can get standard protections such as liability, collision and comprehensive coverage, along with unique options like full replacement cost and no depreciation for parts. Furthermore, Progressive caters to a wide range of motorcycles, including cruisers, sport bikes, touring bikes, and even custom and vintage bikes. 

Discounts are also abundant with Progressive, and the insurer will automatically apply all of your discounts when you get a quote. Progressive’s small and large accident forgiveness programs ensure your rates won’t increase after a claim. The company’s disappearing deductibles mean you’ll get 25% off your deductible for every claim-free motorcycle policy you have — potentially going all the way to zero.

Progressive has a proven track record for excellence in customer service, robust coverage options and competitive pricing. The company’s strong financial stability further cements its position as the best overall option for motorcycle insurance.

Covered bikes:

• ATVs and UTVs
• Sport bikes
• Cruisers
• Dirt bikes
• Scooters
• Mopeds
• Custom bikes
• Touring bikes
• Vintage bikes (25 years or older)
• Electric bikes
• Compact tractors

Coverage options:

• Bodily injury and property damage liability
• Uninsured/underinsured motorist
• Comprehensive and collision
• Medical payments
• Full replacement cost and no depreciation for parts
• Accessories and custom parts/equipment
• OEM parts

• Total loss coverage for a new motorcycle
• Roadside assistance and trip interruption
• Carried contents
• Disappearing deductible
• Enhanced injury protection

Discounts:

• Multipolicy (like homeowners insurance)
• Responsible driver
• Pay on time
• Association member (Harley Owners Group or United Services Automobile Association)
• Homeowner (even if your home is not insured by Progressive)
• Motorcycle endorsement 
• Safety course
• Switch or transfer from another company
• Responsible driver
• Safe and Steady Rider
• Pay in full
• Pay on time
• Automatic bill pay
• Small accident forgiveness
• Large accident forgiveness
• Disappearing deductibles

» Get a Quote From Progressive

Best for Affordable Coverage: Dairyland

HIGHLIGHTS

Why we chose it: With a strong commitment to accessibility and affordability, Dairyland can make obtaining and managing motorcycle insurance more straightforward and hassle-free.

Dairyland is owned by Sentry, a slightly more well-known insurance company, and its policies are underwritten by a member of the Sentry Insurance Group. It offers low-cost motorcycle insurance with rates starting at $7 per month or $84 per year. The company’s robust suite of coverage options include liability, collision and comprehensive, plus a range of specialized coverages. 

These include roadside assistance, which is crucial for long rides and unexpected situations, and replacement cost coverage, which is an excellent benefit for newer motorcycles. Dairyland also recognizes the importance of custom parts and gear, providing coverage options that ensure riders can replace or repair unique modifications and accessories without significant financial burdens. 

Covered bikes:

• Cruisers
• Touring bikes
• Standard bikes
• Sport touring bikes
• Choppers
• Cafe racers
• Sport bikes
• Dirt bikes
• Mopeds
• Scooters

Coverage options:

• Bodily injury liability
• Collision
• Comprehensive
• Guest passenger liability
• Medical expense
• Optional/special equipment
• Personal injury protection (PIP)
• Physical Damage Plus
• Property damage liability
• Rental reimbursement
• Replacement cost
• Roadside assistance
• Underinsured motorist bodily injury and property damage
• Uninsured motorist bodily injury and property damage

Discounts:

• Multicycles on the same policy
• Homeowners
• H.O.G. member
• Member of a riding club or association
• Completion of a rider safety course
• Loyalty (with Dairyland at least one year)
• Switching from another insurance carrier

» Save Money With Dairyland

Best for Discounts: Harley-Davidson

HIGHLIGHTS

Why we chose it: No one knows motorcycles better than the company that makes some of the best bikes on the road — Harley-Davidson itself. That’s why Harley-Davidson’s insurance company made our short list of picks. You don’t need to own a Harley-Davidson to qualify for insurance coverage. This company insures most any motorcycle, whether it’s an Indian, a Honda, a Suzuki or another brand.

Policies are underwritten by Sentry Insurance Company, parent company of Dairyland. Coverage is available in 48 states but is not available in Alaska, Hawaii or Washington, D.C. Available coverage is robust and includes basics like guest passenger liability, bodily injury liability and property damage liability. You can also choose from add-ons like roadside assistance, optional equipment coverage, vacation rental insurance and bike replacement cost. 

The company offers numerous discounts for a wide range of things, including completing a course through the Harley-Davidson Riding Academy. Harley-Davidson also offers accident forgiveness on all of its new policies. Once your policy has been in place for at least a year, your rates won’t go up after your first accident.

Harley-Davidson’s financial strength hasn’t been rated by AM Best. However, underwriter Sentry Insurance Company has an A+ rating. What’s more, Harley-Davidson has been a part of U.S. motorcycle culture for over a century, and is making strategic changes to its business model to stay competitive.

Covered bikes:

• Cruisers
• Standard bikes
• Sportster
• Dirt bikes
• Street Rod
• S Series
• Touring bikes
• Softail
• Dyna
• Electric bikes
• Sport bikes
• CVO
• Sport touring bikes
• Trikes
• V-Rod
• Dual-purpose bikes
• Scooters
• Autocycles
• Mopeds

Coverage options:

• Guest passenger liability
• Bodily injury liability
• Property damage liability
• Comprehensive
• Collision
• Roadside assistance
• Optional equipment coverage
• Vacation rental insurance
• Bike replacement cost
• Optional equipment replacement cost
• Uninsured and underinsured motorist bodily injury
• Uninsured and underinsured motorist property damage
• Rental reimbursement coverage
• Medical expense coverage
• Personal injury protection

Discounts:

• New bike
• H.O.G. member discount
• Motorcycle endorsement
• Experienced rider
• H-D Riding Academy
• Home ownership
  Prompt payer
• Claim-free renewal
• Bundled protection
• Loyalty
• Multicycle
• Anti-theft
• Military and law enforcement

» Protect Your Bike Now

Best for Daily Riders: GEICO

HIGHLIGHTS

Why we chose it: GEICO stands out as the best motorcycle insurance choice for daily riders and commuters due to its competitive pricing, robust coverage options and the availability of numerous discounts that can make policies even more affordable. 

GEICO offers comprehensive coverage designed to meet the specific needs of riders — including everyday riders. In addition to liability, collision and comprehensive coverage, you can choose from medical payments, accessories coverage and emergency roadside assistance, among extensive coverage options. Discounts include reduced rates for mature riders, multipolicy and multibike discounts and savings for completing motorcycle safety courses. 

GEICO’s 24/7 customer service and the convenience of its online and mobile platforms make GEICO an attractive option if you want to maximize protection without breaking the bank. The company also has a Superior A++ financial strength rating from AM Best. 

Covered bikes:

• Cruisers
• Sport bikes
• Touring bikes
• Enduros
• Dirt bikes
• Trikes
• Custom motorcycles
• Scooters
• Mopeds

Coverage options:

• Bodily injury liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection
• Property damage coverage
• Uninsured/underinsured motorist coverage
• Accessories coverage
• Helmet coverage
• Emergency roadside service

Discounts:

• Switching from another company (up to 10%)
• Multiple motorcycles (up to 10%)
• Mature riders (up to 10%)
• Renew your GEICO motorcycle coverage (up to 10%)
• Completion of a Motorcycle Safety Foundation or military safety course (up to 10%)
• Bundling with other GEICO car insurance policy (up to 5%)
• Current Motorcycle Safety Foundation instructor (up to 20%)

» Get a Fast and Free Quote From Geico

Best for Custom Coverage: Allstate

HIGHLIGHTS

Why we chose it: For motorcycle enthusiasts, Allstate provides extensive insurance coverage designed to meet the distinct needs of riders. 

Motorcycle insurance policies from Allstate include standard options such as collision, comprehensive and liability coverage, in addition to more specialized coverages like uninsured/underinsured motorist protection, personal injury protection, and coverage for custom parts and equipment.

Policies automatically include $1,000 worth of coverage for aftermarket upgrades, and you can purchase up to $30,000 in coverage. This includes aftermarket parts and accessories, like custom seats and crash bars, up to specified policy limits. Recognizing the diverse nature of motorcycle ownership, Allstate also offers towing and labor costs coverage, rental reimbursement, lease/loan gap insurance and transport trailer damage coverage.

To make its policies more affordable, Allstate extends several discounts to riders, including multibike and multipolicy discounts, a Good Driver discount and discounts for completing approved motorcycle safety courses. Coupled with Allstate’s dependable customer service, the company’s comprehensive protection options make it a top choice for the best custom motorcycle coverage.

Covered bikes:

• Cruisers
• Sport bikes
• Touring bikes
• Scooters
• Mopeds

Coverage options:

• Bodily injury liability coverage
• Property damage liability coverage
• Medical payments coverage
• Personal injury protection
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist bodily injury coverage
• Towing and labor coverage
• Rental reimbursement coverage
• Motorcycle and off-road vehicle transport trailer damage coverage
• Lease/loan gap coverage
• Optional or added equipment coverage
• Rider Protection Package
• First Accident Waiver
• New Motorcycle Extended Protection

Discounts:

• Multiple motorcycle discount
• Multipolicy discount
• Good Rider discount
• Motorcycle policy transfer discount
• Motorcycle organization membership discount
• Motorcycle safety course insurance discount
• Easy Pay Plan (up to 5% for automatic payments)
• Early signing discount
• FullPay

» Protect Yourself and Your Bike

Best Pay-Per-Mile Coverage: Voom

HIGHLIGHTS

Why we chose it: Unlike traditional insurance models that offer static annual premiums, Voom distinguishes itself by offering pay-per-mile motorcycle insurance. This innovative model may be appealing if you’re an occasional rider and use your motorcycle more for leisure than daily commuting. 

Through a user-friendly mobile app, Voom lets you pay for insurance based on the actual miles ridden, potentially saving a significant amount of money while still providing comprehensive coverage. For motorcycle insurance coverage, Voom covers the essentials through SkyWatch Insurance Services. You can choose from three plans: Rider’s Essentials, Popular Plan and Extended Plan.

Voom’s technologically advanced platform and the opportunity to control costs based on mileage positions Voom as a leading option if you want flexibility and control over your motorcycle insurance.

Covered bikes:

• Cruiser
• Touring bike
• Sports bike
• Chopper
• Standard/naked
• Adventure/dual sport
• Cafe
• Moped/scooter

Coverage options:

• Bodily injury liability
• Third party property liability
• Uninsured motorist coverage
• Collision
• Comprehensive
• Medical payments

Discounts:

• None listed online

» Get a Quote From VOOM

Best for Claims Satisfaction: Amica

HIGHLIGHTS

Why we chose it: Amica is recognized for its exceptional customer service and a comprehensive selection of insurance products. With a legacy that spans over a century, Amica has built a reputation for itself rooted in trust and reliability. 

Amica offers an array of motorcycle coverage options designed to meet the varied needs of the biking community. Whether you’re a daily commuter or weekend warrior, Amica can provide peace of mind. The company provides an extensive suite of options that encompass collision coverage, comprehensive coverage and liability insurance that covers bodily injury and property damage to others. 

Furthermore, Amica offers medical payments coverage, an essential for covering medical expenses that may arise from an accident. Amica ensures its policies are flexible, letting you tailor your coverage to fit your requirements.

Covered bikes: 

• Bikes not specified

Coverage options:

• Motorcycle damage
• Coverage for you and your passengers
• Liability protection

Discounts:

• Safety equipment, including antilock brakes and anti-theft devices
• Multibike discount
• Bundling with an auto, home, condo or renters policy (up to 25%)

» Get a Quote From Amica

Best for Optional Equipment Coverage: Foremost

HIGHLIGHTS

Why we chose it: Foremost cares about your bike and all of the accessories that go with your bike, including optional equipment helmet and safety apparel coverage, making it the best to cover all options. 

Foremost is found in all 50 states with comprehensive coverage for your motorcycle and all of its accessories. This includes coverage for a transport trailer as well as coverage for your helmet and safety apparel. It covers most every type of motorcycle on the market, including electric bikes and scooters. Foremost has thought about the motorcycle insurance policy in a way that truly protects motorcycle enthusiasts and gives them peace of mind that their investment is well protected. 

Customers enjoy having an agent assigned to their insurance contract, giving them advice on best coverages and discounts. Agents are also helpful when it comes to walking you through the claims process, giving an added benefit to the structure of Foremost. 

Covered bikes:

• Cruisers
• Dirt bikes
• Sport bikes
• Trikes
• Classics
• Electric
• Scooters

Coverage options: 

• Collision
• Comprehensive
• Medical payments
• Replacement cost total loss settlement
• Transport trailer coverage
• Helmets and safety apparel
• Optional equipment coverage

Discounts:

• Multivehicle
• Mutlipolicy
• Endorsement

What Does Motorcycle Insurance Cover?

Motorcycle insurance is tailored specifically to motorcycle riders, offering protection against a variety of risks that can lead to financial loss. From minor accidents to major collisions, theft and liability for damage or injury to others, motorcycle insurance provides a necessary safety net. Here’s what motorcycle insurance typically covers:

• Liability insurance: Liability insurance is the most basic form of motorcycle insurance and covers costs you may be legally obligated to pay if you’re found at fault for causing injury to another person or damage to their property. Liability insurance is often split into two types: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses, loss of income and pain and suffering for the injured party, while property damage liability pays for repairs to damaged property, excluding your own motorcycle.
• Collision coverage: Collision coverage pays for repairs to your motorcycle if it’s damaged in an accident regardless of who is at fault. This includes collisions with other vehicles, as well as single-vehicle accidents involving just your motorcycle.
• Comprehensive coverage: Unlike collision coverage, comprehensive coverage protects against damages not caused by a collision. This includes events such as theft, vandalism, fire, natural disasters and hitting an animal.
• Uninsured/underinsured motorist coverage: This protection is crucial in situations where you’re involved in an accident with a driver who either lacks insurance entirely or whose insurance is insufficient to cover the damages they caused. Depending on the policy, it can cover both property damage to your motorcycle and bodily injury to you and your passengers.
• Medical payments and personal injury protection (PIP): Medical payments coverage helps pay for medical expenses that you and your passengers may incur as a result of an accident, irrespective of fault. Personal Injury Protection, available in some states, offers broader coverage than medical payments, including lost wages and other nonmedical expenses.

Understanding these key components of motorcycle insurance coverage can help you tailor your policy to suit your specific needs and ensure you’re adequately protected every time you hit the road.

Is Motorcycle Insurance Required?

In most states, motorcycle insurance is a legal requirement for riders. Just like with automobiles, the law generally mandates a minimum amount of liability insurance for motorcycles to ensure you can cover the cost of damages or injuries you cause to others in an accident. The specific requirements vary by state, with each jurisdiction setting its own minimum limits for liability coverage. For that reason, it’s critical to check with your state’s Department of Motor Vehicles or an equivalent agency to understand the exact requirements.

Beyond the legal necessity, motorcycle insurance serves as an essential layer of financial protection. Even in states where motorcycle insurance is not mandated by law, it’s wise to get coverage. Accidents can happen to even the most skilled riders, and the financial implications of causing an accident, damaging your bike or having it stolen can be substantial. Ultimately, carrying motorcycle insurance is essential to mitigating financial losses regardless of legal requirements.

How Much Does Motorcycle Insurance Cost?

Motorcycle insurance costs about $571 per year on average, but costs vary widely based on a variety of factors and prices can fluctuate by hundreds of dollars. How much motorcycle insurance costs depends largely on the coverage selected, with basic liability coverage typically at the lower end of the spectrum and comprehensive coverage at the higher end. Additionally, rates are affected by your age, riding experience and driving record. Younger riders or those with recent traffic violations may see higher rates due to the increased risk perceived by insurers.

Several other factors play a crucial role in determining the cost of motorcycle insurance, including the type and model of the motorcycle. Areas with a higher rate of accidents or thefts typically see higher insurance rates. Likewise, high-performance bikes or those with a higher risk of theft may carry higher insurance costs. 

How can I lower my motorcycle insurance cost?

While motorcycle insurance can be costly, there are some steps you can take to lower your premiums. One option is to bundle motorcycle insurance with other types of insurance, such as car or home insurance, from the same provider. This may result in a discount for having multiple policies with one company.

You can also take a motorcycle safety course that teaches safe riding techniques. Maintaining a clean driving record can also help lower insurance rates over time. Also consider increasing the deductible on your policy — the amount you’re responsible for paying before insurance coverage kicks in. While this means paying more out of pocket in the event of an accident, it can result in lower monthly premiums.

Finally, regularly reviewing and updating insurance coverage can also help ensure you aren’t overpaying for unnecessary coverage or underinsured in the event of an accident. Also consider a pay-per-mile that lets you buy coverage based on how much you use your bike. 

What to Consider When Buying Motorcycle Insurance

Choosing the right motorcycle insurance is not just about fulfilling a legal requirement; it’s about ensuring peace of mind while you’re out on the open road. But with so many options and varying levels of protection available, deciding on the ideal motorcycle insurance can be intimidating. Consider these factors when buying motorcycle insurance:

• Coverage options: Evaluate the types of coverage available, including liability, collision, comprehensive and uninsured/underinsured motorist coverage. Also consider what kind of add-on coverage each provider offers. Choose a combination that reflects your riding habits and risks you might encounter.
• Policy limits: Understand the policy limits for each type of coverage. These limits determine the maximum amount your insurer will pay in the event of a claim. Higher limits offer more protection but also result in higher premiums. Consider your financial situation, state legal requirements and the potential costs of common accidents when deciding on your policy limits.
• Deductibles: The deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. Higher deductibles can lower your premium costs, but make sure you choose a deductible amount you can afford in case you need to make a claim.
• Discount opportunities: Look for insurance companies that offer discounts for which you may qualify. Common discounts include those for completing motorcycle safety courses, insuring multiple vehicles and maintaining a clean driving record. These discounts can significantly lower your premium, making your insurance more affordable. Check out the best car insurance companies if you want to save by bundling policies. 
• Company reputation and customer service: Research insurance providers to gauge their reputation within the industry and among customers. Look at customer reviews, financial strength ratings from AM Best and awards or recognitions the company has received. A company with a strong reputation for customer service and efficient claims processing will provide a much better experience in the event you need to file a claim.
• Additional coverage for custom parts and equipment: If your motorcycle is equipped with custom parts or expensive accessories, consider purchasing additional coverage to protect these investments. Standard policies may not cover these items or may offer insufficient coverage, so you may need to buy extra protection to fully insure custom parts and equipment.
• Personal asset protection: In case you’re found at fault in a serious accident, consider how your motorcycle insurance can protect your personal assets. Without sufficient coverage, your personal assets could be at risk to cover damages that exceed your policy limits. Discuss with an insurance agent to ensure you have adequate protection based on your personal financial situation.

Frequently Asked Questions

What is the best motorcycle insurance company?

The best motorcycle insurance company depends on your specific needs, including coverage options, customer service and affordability. For example, companies like Progressive, GEICO and Allstate often rank highly for their comprehensive coverage, competitive pricing and positive customer experiences. However, if you need pay-per-mile coverage, Voom may be the best option. 

How much is good bike insurance?

Good bike insurance costs anywhere from less than $100 to several thousands of dollars annually, with an average cost of $571. The cost of good bike insurance varies widely based on factors such as your age, bike model, riding history and coverage needs. Get quotes tailored to your specific circumstances to ensure you find the right balance between cost and coverage.

Is motorcycle insurance cheaper than car insurance?

Motorcycle insurance is typically cheaper than car insurance due to the bike’s lower value and smaller size. While these characteristics can reduce the cost of damages due to an accident, motorcycle insurance costs can vary based on factors like your driving history, location and the level of coverage desired.

Can I purchase motorcycle insurance without a license?

You can purchase motorcycle insurance without a license in many cases. Insurers often require only the vehicle identification number of the bike to initiate coverage. However, obtaining a license before riding is strongly recommended for legal reasons and your insurer may require a copy of your license as part of the underwriting process. 

Which motorcycles are the most expensive to insure?

The most expensive motorcycles to insure typically include high-performance sports bikes, models with larger engines, luxury and custom motorcycles, and bikes known for their high theft rates. Brands like Ducati, BMW and Harley-Davidson, especially those with extensive modifications or high horsepower, can see higher insurance premiums due to their increased risk and repair costs.

Should I buy the minimum motorcycle insurance required?

You can buy the minimum motorcycle insurance required, but it’s generally not a good idea. If you can’t afford to pay for repairs or a replacement for your bike — or for the medical and damage payments that would result from an accident — it’s a good idea to purchase more insurance coverage. If you don’t, you might not be able to afford to get back on the road after an accident.

How We Chose the Best Motorcycle Insurance Companies

It may be tempting to choose your motorcycle insurance based on price alone, but it’s not the only factor you should consider. Also think about the coverage and discounts each company offers, how easy it is to manage your account, how satisfied other customers are with their claims experience and how much you plan to use your bike. When choosing the best motorcycle insurance companies, we considered the following:

• Financial strength: If an insurance company isn’t financially secure, it may be unable to pay you when you need to file a claim. We looked at financial strength ratings from AM Best, Standard & Poor’s and Moody’s to verify that the companies we chose will remain financially solvent.
• Coverage options: Like auto insurers, motorcycle insurers provide state-minimum liability coverage in addition to collision and comprehensive coverage. We placed a higher value on companies offering add-ons for roadside assistance, towing and custom equipment coverage. We also evaluated companies based on their pay-per-mile offerings.
• Discounts: Quotes depend on numerous variables, but the most cost-effective motorcycle insurance providers offer discounts for insuring multiple bikes, taking rider safety courses, belonging to a motorcycle association and more. 
• Online tools: When you have to file a claim or update your policy, you should be able to do so online at your convenience. The company should also offer online insurance cards and resources to help you understand your motorcycle insurance needs.

Customer and claims satisfaction: You can get a general sense of how companies treat their customers by looking at the results of customer satisfaction surveys like the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, which is based on a scale of up to 1,000 points.