Compare Motorcycle Insurance
How we Compare Motorcycle Insurance
So how well does your insurance policy financially protect you against medical expenses or motorcycle repairs? This is definitely something you should consider seriously. A few extra dollars spent getting a motorcycle insurance policy that offers more extensive coverage is cheaper compared to what you have to pay for in terms of costly uncovered repairs.
Collision – is a must for any insurance policy. This covers for damages incurred during an accident.
Comprehensive – mostly an optional add-on, this covers for any non-collision damage such as fire, storms or theft.
Mechanical breakdown – collisions and accidents are not the only things you should look out for. This coverage ensures that help is available.
Optional equipment coverage – this covers expenses for repairing or replacing accessories or equipment not included in the manufacturer’s original specifications.
Total loss coverage – covers for the actual cost of replacing the motorcycle when totaled.
Roadside assistance – towing and labor services, fluid replacement, battery are a must for keeping you on the road.
This refers to coverage for personal injuries to the driver or passengers and property damage liability. Covered items are also found in standard auto insurance policies.
Uninsured/ underinsured motorist’s liability – coverage for damages for personal injury or property liability for drivers with inadequate or no insurance.
Medical expenses – refers to the amount the policy is willing to shoulder for medical care.
Property damage liability – pays for damages to another person’s property resulting from the accident.
Passenger personal injury protection - coverage for passengers including payments for medical expenses due to injury
|Bodily Injury Liability|
|Property Damage Liability|
|Uninsured/Underinsured Motorist Coverage|
|New Bike Replacement|
|Better Bike Replacement|
|Mechanical Breakdown Coverage|
|Custom Equipment Coverage|
Support Services Compared
Accidents can happen anytime and knowing that your auto insurance would be there is priceless. From roadside assistance to 24/7 claim reporting, a good auto insurance provider must be there to help you in every step. A great auto insurance service does not only offer great products, what happens after you’ve signed the policy should also be given equal importance.
24/7 Road side assistance
Towing and repair
|24/7 Claim Reporting|
|Phone Claim Submission|
|Email Claim Submission|
|Online Claim Submission|
|Towing and Repairs|
|Instant Online Quotes|
Claims Processing Compared
In the unfortunate event that you find yourself in a motorcycle accident or collision, knowing that you’re insurance company’s lines are open helps reduce the pressure of an already stressful situation.
24/7 claims processing – accidents by nature are unplanned and could happen anytime during the day. Having someone at the other end of the line is a must for any motorcycle insurance policy.
Mobile claims – file a claim through a mobile device
Telephone claims – speak with an agent by making a telephone call
Discount Options Compared
Motorcycle insurance might not cost as much as insuring a car or pickup but having the option of lowering premiums can be a deal breaker.
Multi-vehicle discount – most of the companies offering motorcycle insurance also provide insurance products for other types of vehicles. This makes insuring all your vehicles under one company more attractive.
Switch discount – discounts for owners switching from another insurance provider
Multiple motorcycle discount – similar to multi-vehicle discounts, lower your premiums by having your motorcycle and trike for example under one company.
Claim-free discount – although this is something you enjoy down the road, enjoy the benefits of lowering your premiums by maintaining a claim-free record.
Safe driver discount – enroll in a safe driver course
Pay-in full discount – get a better deal by paying your policy in full
Anti-theft – protect your motorcycle against theft and get a discount
|Other||Anti-Lock Brakes, Anti-Theft Alarm, Multi-Unit, Renewal, Safe Driver, Safety Course, Accident Forgiveness, Transfer Discount||Safety Course, Muture Rider, Policy Renewal, Transferring from another motorcycle insurance provider||Claim Free, Safe Rider, Renewal Discount, Pay in Full Discount||Good Rider Discount, Transfer Discount, Motorcycle Organization Discount, Motorcycle Safety Course Discount||Good Driver, Driver Training, Defensive Driver, Anti-theft Device||5 Percent Member-only Discount, Safe Driver Course, Family Sicount, Loyalty Program, Claim-Free Discount||Homeowners, Recovery Device, Paid in Full, Responsible Driver, Safety Course, Motorcycle Endorsement, Switch & Save, Antilock Brakes, Association Discount||Multi-unit, Prior Insurance, Affinity Group, Preferred Operator, Renewal Discount, Safety Course, Safety Equipment||Motorcycle Safety Course Discount, Farm Bureau Discount, Riding Association Discount, Theft Recovery Device, Paid in Full, Homeowner Discount, Anti-lock Discount, Nationwide Affinity Discount|
Financial Ratings Compared
We take into a look into a company’s current financial rating by using scores from industry-trusted sources. A company’s financial ratings do not only reflect their resources but also a testament to sound business policies.
A.M Best Financial Rating
A.M. Best Issuer Rating
S&P Financial Strength
S&P Issuer Strength
|Standard & Poors||AA+||AA||AA-||AA||AA+||A+||A+|
Full Motorcycle Insurance Comparison
|Coverage||Support Services||Claims Processing||Discount Options||Financial Ratings|
|Markel Motorcycle Insurance||9.0||9.0||9.5||9.0||9.0|
|Geico Motorcycle Insurance||8.0||9.0||9.0||10.0||10.0|
|Progressive Motorcycle Insurance||10.0||8.0||9.0||10.0||7.0|
|Allstate Motorcycle Insurance||8.5||9.0||9.0||9.0||6.0|
|State Farm Motorcycle Insurance||8.0||8.0||8.0||8.0||8.0|
|USAA Motorcycle Insurance||8.0||6.0||6.0||6.0||9.0|
|Esurance Motorcycle Insurance||7.0||7.0||7.0||6.0||5.0|
|Farmers Motorcycle Insurance||7.0||7.0||7.0||7.0||3.0|
|Nationwide Motorcycle Insurance||7.0||7.0||6.0||7.0||4.0|
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.
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.