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All Motorcycle Providers (16)
🏍️ Progressive
★ 4.7/5.0
$68 - $287
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Total Loss Coverage option pays the original MSRP (not depreciated value) on bikes totaled within the first model year or two, a feature most auto-focused insurers don't offer for motorcycles
- • OEM (original equipment manufacturer) parts coverage and Accessory Coverage up to $3,000 included as standard on most motorcycle policies, with higher limits available — covers helmets, riding gear, custom parts, and saddlebags
CONS
- • Layup-period (winter storage) discounts are limited or unavailable in some states compared to motorcycle-specialist competitors like Dairyland and Markel that offer formal lay-up coverage
- • Rates for sport-bike and supersport models (e.g. Yamaha R1, Kawasaki ZX-10R) are frequently cited in rider forums as significantly higher than Geico or Dairyland for the same rider profile
🏍️ Amica
★ 4.7/5.0
$52 - $295
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Backed by Amica Mutual, which holds an AM Best A+ (Superior) financial strength rating and has been in business since 1907
- • Amica has consistently been a top performer in J.D. Power customer satisfaction studies for auto insurance, suggesting a similar service ethos for any partner-fulfilled motorcycle policy
CONS
- • Amica does not directly underwrite motorcycle insurance — coverage is brokered/referred through a third-party carrier, so policy terms, claims handling, and discounts are not Amica's own
- • Because the motorcycle policy sits with a partner insurer, multi-policy discounts and the Amica dividend generally do not apply to the motorcycle premium itself
🏍️ Foremost
★ 4.7/5.0
$73 - $330
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialty-vehicle underwriting expertise dating to 1952 means Foremost commonly writes risks standard auto carriers decline, including older bikes, custom/modified motorcycles, and riders with lapses or imperfect records
- • Coverage menu tailored to motorcycle owners includes optional custom parts and equipment coverage, OEM/original-equipment replacement options, and accessory coverage for helmets and riding gear
CONS
- • Premiums tend to run higher than direct-to-consumer specialists like Progressive or GEICO, reflecting the non-standard risk pool Foremost is positioned to accept
- • No standalone Foremost mobile app for motorcycle policyholders; servicing typically routes through the Farmers app, agent, or phone, which lags app-first competitors like Progressive and Dairyland
🏍️ Safeco
★ 4.6/5.0
$91 - $265
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Sold exclusively through independent agents, so riders can compare Safeco against multiple carriers in one quote conversation rather than direct-to-consumer only
- • Custom parts and equipment coverage available as an add-on, typically up to $30,000, which matters for cruiser and touring riders with chrome, saddlebags, or aftermarket exhaust
CONS
- • No direct online quote or purchase for motorcycle policies — riders must go through an independent agent, which slows shopping compared to Progressive or GEICO
- • Motorcycle availability varies by state and agent appetite; Safeco does not write motorcycle in every state where it sells auto, and coverage in states like Hawaii and Massachusetts is limited or unavailable
🏍️ State Farm
★ 4.5/5.0
$20 - $322
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • AM Best A++ (Superior) financial strength rating, among the highest in the industry
- • Largest U.S. agent network with roughly 19,000 local agents, useful for in-person motorcycle policy questions and claims
CONS
- • Motorcycle insurance is not underwritten by State Farm in every state — availability and pricing vary significantly by state, and in some states coverage is offered through third-party partners rather than State Farm directly
- • Lacks some motorcycle-specialist features that dedicated bike insurers (e.g. Progressive, Dairyland, Markel) offer — such as OEM parts replacement guarantees, total-loss replacement on new bikes, and specialty coverage for trikes/sport/touring trims
🏍️ GEICO
★ 4.3/5.0
$83 - $227
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ Liberty Mutual
★ 4.2/5.0
$85 - $222
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ AIM
★ 4.1/5.0
$37 - $230
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ Bristol West
★ 4.1/5.0
$48 - $333
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ Harley-Davidson
★ 4/5.0
$116 - $264
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ American Family
★ 4/5.0
$95 - $346
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ Travelers
★ 4/5.0
$91 - $307
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ Nationwide
★ 4/5.0
$61 - $204
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ USAA
★ 4/5.0
$83 - $258
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ Dairyland
★ 3.9/5.0
$69 - $288
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
🏍️ Allstate
★ 3.9/5.0
$31 - $184
Coverage Types:
Deductible: $500-$1000
Key Features:
- ✓ Custom bikes
- ✓ Safety training
- ✓ Fast claims
PROS
- • Specialist expertise
- • Custom coverage
CONS
- • Limited agents
- • Specialized needs
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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