📌 Key Takeaway: Motorcycle insurance rates vary dramatically by bike type, rider age, and location. An experienced rider on a standard cruiser can get full coverage for as little as $300–$500 per year. Comparing quotes from multiple providers is essential to finding the best rate for your specific profile.
Best Motorcycle Insurance Companies
🏆 Progressive
Best Overall — Widest Coverage Options
Top Pick
⭐ 4.9 / 5
Progressive is the largest motorcycle insurer in the United States. Coverage options include custom parts and equipment up to $3,000, total loss coverage, trailer coverage, and a disappearing deductible for claim-free riders. Progressive insures virtually every type of motorcycle.
$320/yr
Avg. Cruiser Full Coverage
A+
AM Best Rating
$3,000
Custom Parts Coverage
✅ PROS
- Covers all motorcycle types
- Custom parts & equipment coverage
- Disappearing deductible
- Multi-bike discount
⚠️ CONS
- Not always the cheapest
- Below-average claims satisfaction
🥈 Geico
Best Rates for Standard Bikes
⭐ 4.7 / 5
Geico consistently offers some of the lowest motorcycle insurance rates for experienced riders on standard bikes. Its fully digital experience makes getting a quote and managing a policy straightforward, with 24/7 claims service.
$290/yr
Avg. Standard Bike
A++
AM Best Rating
All 50
States Available
✅ PROS
- Lowest rates for standard bikes
- Excellent digital tools
- Military discount available
⚠️ CONS
- Limited specialty coverage options
- No custom parts coverage by default
Motorcycle Insurance Rates by Bike Type
| Bike Type | Avg. Annual (Progressive) | Avg. Annual (Geico) |
|---|---|---|
| Standard/Cruiser (750cc) | $320 | $290 |
| Sport Bike (600cc) | $680 | $640 |
| Touring Bike | $450 | $410 |
| Scooter (under 150cc) | $180 | $160 |
How to Lower Your Motorcycle Insurance Premium
- Complete an MSF motorcycle safety course — earns 5–15% discount at most insurers
- Bundle with auto or home insurance for multi-policy savings
- Store your bike securely in a locked garage
- Choose a less powerful bike — lower engine size means lower premium
- Consider seasonal coverage if you don't ride year-round
- Maintain a clean riding record — accidents raise premiums significantly
Is motorcycle insurance required by law?
Yes, in almost every state. Most states require at minimum liability coverage to legally operate a motorcycle on public roads. Minimum requirements vary by state — check your state's DMV for specific minimums.
Does my auto insurance cover my motorcycle?
No. Auto insurance policies specifically exclude motorcycles. You need a separate motorcycle insurance policy. Some insurers allow you to bundle motorcycle and auto for a multi-vehicle discount, but they remain separate policies.