It can be a hassle to find the best motorcycle insurance, but it is both legally required as well as a wise choice for riders. The best motorcycle insurance providers may provide comprehensive coverage at affordable rates to protect you on the road. The MarketWatch Guides Team has researched the top motorcycle insurance companies in the United States, to determine which coverage plans are the best. Our experts evaluated each provider’s average cost, coverage details and reputation, as well as their customer service. They then compiled the best options for motorcycle insurance.
What is the best motorcycle insurance company?
Geico’s policies are the best for motorcycle insurance because they offer a good balance between low cost and high coverage. Progressive, State Farm Dairyland and Erie Insurance also offer excellent motorcycle insurance.
Compare Motorcycle Insurance
You can find our top motorcycle insurance picks below. We rated them based on their cost, coverage and customer service.
| Top Motorcycle Insurance Company | Overall Rating | The Award |
|---|---|---|
| 1. Geico | 9.3 | Best Motorcycle Insurance Company |
| 2. Progressive | 9.0 | Motorcycle Insurance Coverage |
| 3. State Farm | 8.8 | Best Motorcycle Insurance Customer Service |
| 4. Dairy | 8.3 | Best Motorcycle Insurance for High-Risk Riders |
| 5. Erie Insurance | 8.3 | Best Regional Motorcycle Insurance |
Best Motorcycle Insurance Companies
We’ve researched the top companies in the motorcycle insurance industry to help you find them. Learn more about each company, including the average motorcycle coverage costs and discounts.
What to Look for when Choosing Motorcycle Insurance
It can be hard to choose the best motorcycle insurance company when you have so many options. These tips will help you make a more informed decision.
- Take into account the company’s coverage. Verify that the provider you choose offers coverage options that meet your needs.
- Read reviews. Insurance ratings are generally low. However, you should make sure that the provider of your choice has at least a decent rating and is responsive to any customer concerns.
- Compare motorcycle insurance quotes. Get free quotes and personalized information from different providers to help you decide which option is best for your needs.
- Look for discounts. Find out what savings you can get with each company. For example, usage-based insurance discounts or group discounts for riders.
- Check if you can bundle your plans. You can save money if you bundle your auto, motorcycle and homeowners insurance.
- Save money by increasing your deductible. Your premium will be lower if you increase your deductible.
- Look for additional benefits. Look for accident forgiveness programs or discounts if you have a claim-free driving record.
The best motorcycle insurance providers specialize in specific coverages. For vintage sport bikes, trikes or dirt bikes, the best provider may be different. Harley-Davidsons with OEM or custom parts have very different requirements than scooters, mopeds or ATVs.
Saving Money on Motorcycle Insurance
There are several simple ways to reduce your motorcycle insurance cost, including comparing quotes. By obeying traffic laws, wearing safety gear and not speeding you can drive safely while keeping your insurance rates as low as possible.
Best Motorcycle Insurance Company: Bottom Line
The following are the top motorcycle insurance companies:
- Geico : Best Motorcycle Insurance Company
- Progressive – Best Motorcycle Insurance Coverage
- State Farm : Best Motorcycle Customer Service
- Dairy: The Best Motorcycle Insurance for High-Risk Riders
- Erie Insurance : Best Regional Motorcycle Insurance
These are our top choices, but they may not be the best for you. We recommend that, no matter what type of coverage you need, you compare all the options available to find the best price.