Best Motorcycle Insurance 2017

The country's leading motorcycle insurance providers reviewed. Get that peace of mind when you're cruising the nation's highways. 

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Motorcycle insurance provides financial coverage in the event a motorcycle is damaged, lost, or stolen. It can also include liability coverage should you be responsible for damage to property and personal injury. As with most automotive coverage, motorcycle insurance is mandated throughout the United States.

Always make sure a particular motorcycle insurance plan covers your personal requirements and situation. Premiums may differ based on selected coverage, but many plans will offer a combination of vehicle and personal coverage. While most companies will offer insurance for personal injury, property damage, motorcycle collision, and uninsured motorist, not all will cover mechanical breakdowns.

There are a few fundamental questions you should make sure to ask prior to selecting a motorcycle insurance policy. What is the process for submitting a claim? Are there any policy discounts available? Is 24/7 roadside assistance offered? If so, are emergency repair services available?

Top 9 Companies

#1
Allstate
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9.1 / 10
  • Allstate Has 84 Years Experience
  • 24/7 claim services
  • Comprehensive Motorcycle Collision Coverage
  • Accident Forgiveness
  • Save up to 50% with Allstate
#2
Markel
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9.1 / 10
  • Up to $30,000 in accessory coverage
  • Diminishing deductible
  • Accident forgiveness
  • Roadside assistance and trip interruption
  • Flexible deductibles
  • Mechanical breakdown coverage
  • Rental reimbursement
  • Policies start at $50
  • Save up to 35% with multiple discounts
#3
Geico
9.1 / 10
  • 24/7customer services
  • Mature rider discount
  • Competitive premiums
  • Coverage for a wide variety or motorcycles including custom bikes
  • Roadside assistance
  • Flexible payment options
#4
Progressive
9.0 / 10
  • 24/7 roadside assistance
  • Accident forgiveness
  • Repairs guaranteed
  • Mobile app
  • Claim-free discount
  • Coverage for customized and classic motorcycles
#5
State Farm
8.0 / 10
  • Strong financial ratings
  • Custom, trike, side car and vintage motorcycles
  • Trip interruption, emergency roadside expenses
  • 24/7 claims service
  • Great customer service
#6
USAA
7.1 / 10
  • 24/7 claims and customer assistance
  • Good list of discount options
  • Only available for US military personnel and their families
  • Strong financial ratings
  • Roadside assistance
#7
Esurance
6.5 / 10
  • Total loss coverage
  • Up to $30,000 coverage for custom equipment and sidecars
  • Protection for custom, classic, performance bikes
  • Optional equipment coverage
  • Trip Interruption coverage, emergency expenses
  • Accident forgiveness
#8
Farmers
6.4 / 10
  • Roadside assistance
  • Trip interruption coverage
  • 24/7 claim  services
  • Multi-policy discounts
  • First accident waiver
#9
Nationwide
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6.4 / 10
  • Up to $50,000 coverage
  • Custom equipment coverage
  • Vanishing deductibles
  • OEM endorsement
  • Flexible payment plans
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Best Motorcycle Insurance: Summed Up

RankCompany NameStrengths
1AllstateBest Overall
2MarkelClaims Processing
3GeicoDiscount Options, Financial Ratings
4ProgressiveCoverage, Discount Options

How We Compare Motorcycle Insurance

Select 2 motorcycle insurance companies to compare
vs
Coverage - 30%
Support Services - 20%
Claims Processing - 15%
Discount Options - 20%
Financial Ratings - 15%

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Customer Questions & Answers

What does Motorcycle Insurance cover?

Motorcycle insurance, like car insurance, is often a combination of multiple policies that cover you and your vehicle in different ways. Liability insurance is the most basic policy motorcycle owners should get and is required by most states. If you are at fault in an accident, liability insurance will help you pay for any injuries (or Bodily Injury) or damage (Property Damage) you caused to the other parties. Insurance requirements differ by state, so make sure to check before purchasing a policy.

In addition to the minimum coverage requirements, most motorcycle owners opt to include other coverage for more extensive protection.

Full Replacement Coverage will cover the costs of a full replacement of your bike if it’s totaled and can’t be repaired.

Collision Coverage protection helps pay for repairs to your motorcycle after an accident.

Comprehensive Coverage will cover any damage to your motorcycle unrelated to a collision (for example, theft, vandalism or natural disasters).

Personal Bodily Injury Coverage (Medical Expenses) helps pay for medical care you require from an accident.

Uninsured/Underinsured Motorist Coverage is useful if another driver is at fault and lacks the insurance coverage necessary to pay for your costs.

Accessory Coverage protects upgraded accessories such as transport trailers, sidecars, and safety apparel.

Passenger (or Rider) Coverage will protect the person riding with you in the event of an accident.

Cash Benefit will provide benefits to you or your family if you are involved in a serious accident, no matter who is at fault.

Is Motorcycle Insurance required and how much do I need?

All states require basic liability insurance that covers bodily harm and property damage. Each state’s requirements vary, so you will want to check with your state before purchasing a policy.

Just because you meet the coverage requirements doesn’t mean you shouldn’t look into additional coverage options. It’s no secret that motorcycle accidents are more dangerous than car accidents. An estimated 80% of motorcycle accidents result in injury or death, and the chances of damaging your bike are high, so consider if you can afford to pay for damage to your bike or body when selecting a motorcycle insurance plan.

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