{"id":324849,"date":"2025-11-12T13:07:02","date_gmt":"2025-11-12T18:07:02","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=91516"},"modified":"2025-11-12T13:07:03","modified_gmt":"2025-11-12T18:07:03","slug":"best","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/motorcycle\/best\/","title":{"rendered":"The Best Motorcycle Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"best\" title=\"The Best Motorcycle Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul><li>Progressive and Geico frequently rank among the best motorcycle insurers in 2025 thanks to competitive pricing and broad coverage, based on recent comparisons from <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>.<\/li><li>Top motorcycle insurers pair strong financial stability with digital servicing, a wide discount menu (including usage\u2011based\/telematics where available), and useful add\u2011ons like OEM parts, trip interruption, and accessory\/custom parts coverage.<\/li><li>Specialty needs often change the right pick: <a href=\"https:\/\/www.markelinsurance.com\">Markel<\/a> (track day\/specialty), <a href=\"https:\/\/www.dairylandinsurance.com\">Dairyland<\/a> (SR\u201122\/high\u2011risk), Foremost (custom\/vintage), and <a href=\"https:\/\/www.harley-davidson.com\">Harley\u2011Davidson Insurance Services<\/a> (brand\u2011specific perks) stand out, while Hagerty remains a go\u2011to for vintage and collector bikes.<\/li><\/ul>\n\n\n\n<p>The best motorcycle insurance companies balance price, coverage depth, and service. Your premium depends on your bike, location, riding habits, and the limits\/endorsements you choose, so compare at least 3\u20135 quotes from leading carriers. Start with widely cited 2025 shortlists from <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, then cross\u2011check experience signals in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-motorcycle-insurance-study\">J.D. Power\u2019s U.S. Motorcycle Insurance Study<\/a>. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 7 Best Motorcycle Insurance Companies<\/h2>\n\n\n\n<ul><li>Markel American: Best for Specialty and Track\u2011Day Coverage<\/li><li>Progressive: Best Overall for Most Riders<\/li><li>Nationwide: Best for Agent Support and Feature Add\u2011ons<\/li><li>Safeco: Best for Experienced Riders and Bundlers<\/li><li>Geico: Best for Price\u2011Conscious Daily Riders<\/li><li>USAA: Best for Military Members (availability varies)<\/li><li>Hagerty: Best for Vintage and Collector\u2019s Bikes<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Comparison Chart\"><\/span>\n    \n\n<section id=\"block---\" class=\"theme-block c-table \">\n  \n<div class=\"row\">\n    <div class=\" h-width-100\">\n    \n      <div class=\"table-responsive table-responsive--with-summary h-shadow-2dp h-border-small\">\n        <table class=\"table table-striped table-bordered table--bordered-top table--rounded\">\n          \n          \n  <tbody>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_MarkelAmerican\">Markel American<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Progressive\">Progressive<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Nationwide\">Nationwide<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Safeco\">Safeco<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              Geico\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              USAA\n            <\/td>\n                                        <td class=\"&#x20;col-8\">\n              Hagerty\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <a href=\"\/insurance\/motorcycle\/progressive-review\/\">Our review<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <a href=\"\/insurance\/motorcycle\/nationwide-insurance-review\/\">Our review<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-8\">\n              \n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>Best for<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              \nCoverage variety\n\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              \nSpecialty bikes\n\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              High coverage limits\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              Impressive discounts\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              \nDaily riders\n\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              \nMilitary Members\n\n            <\/td>\n                                        <td class=\"&#x20;col-8\">\n              \nVintage and collection bikes\n\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>A.M. Best financial strength rating<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              A\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              A+\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              A+\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              A\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              \nA++\n\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              \nA++\n\n            <\/td>\n                                        <td class=\"&#x20;col-8\">\n              \nA\n\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>24\/7 claim support<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-8\">\n              X\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>Online claim filing<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              \u2713\n            <\/td>\n                                        <td class=\"&#x20;col-8\">\n              \u2713\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_MarkelAmerican\" class=\"button\">Compare rates<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Progressive\" class=\"button\">Compare rates<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Nationwide\" class=\"button\">Compare rates<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Safeco\" class=\"button\">Compare rates<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Safeco\" class=\"button\">Compare rates<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Safeco\" class=\"button\">Compare rates<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-8\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Safeco\" class=\"button\">Compare rates<\/a>\n            <\/td>\n                        <\/tr>\n      <\/tbody><!-- tbody -->\n        <\/table>\n      <\/div>\n      \n    <\/div>\n    \n  <\/div>\n<\/section>\n\n\n\n\n\n\n            <span class=\"b-anchor\" id=\"markel\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best_range_of_coverage\" title=\"Best Range of Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"markel-american\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2021\/02\/Markel-logo-gold-bg.png\" alt=\"\">\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Variety: Markel American<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Markel claims to specialize in motorcycle insurance, and that dedication truly shows through in its policy options. Most notably, mechanical breakdown coverage and rental reimbursement could be a massive help to frequent riders and is not available by any of our other top picks. \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.markelinsurance.com\/motorcycle\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4.25<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">NR<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Markel claims to specialize in motorcycle insurance, and that dedication truly shows through in its policy options. Most notably, mechanical breakdown coverage and rental reimbursement could be a massive help to frequent riders and is not available by any of our other top picks. \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Greatest variety of coverage options<\/li>\n                            <li>Mechanical breakdown coverage<\/li>\n                            <li>9 advertised discounts available<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Limited customer tools<\/li>\n                                        <li>No mobile app<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul>\n<li>Roadside assistance and trip interruption<\/li>\n<li>Medical payments<\/li>\n<li>Trailer and accessories coverage<\/li>\n<li>Passenger liability<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li>Safe rider<\/li>\n<li>Safety course<\/li>\n<li>Accident forgiveness<\/li>\n<li>Renewal<\/li>\n<li>Multi-unit<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"progressive\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"Best_For_Specialty_And_Vintage_Bikes\" title=\"Best for Specialty or Vintage Bikes\"><\/span>\n    \n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/08\/Progressive.svg\" alt=\"Progressive-Title\">\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Specialty Bikes: Progressive<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Bikers with vintage, antique, or custom bikes will find a lot to love with Progressive, our top pick that stands out for its specialty bike coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_Progressive&#038;rvitemid=321313-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4.8<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">848*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Bikers with vintage, antique, or custom bikes will find a lot to love with Progressive, our top pick that stands out for its specialty bike coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Plenty of discounts available<\/li>\n                            <li>Online customer tools<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No breakdown coverage available<\/li>\n                                        <li>Recommended coverage amounts are more expensive<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul>\n<li>Actual agreed value<\/li>\n<li>OEM<\/li>\n<li>Accessories and custom parts<\/li>\n<li>Total loss<\/li>\n<li>Roadside assistance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li>Motorcycle endorsement<\/li>\n<li>Safe rider<\/li>\n<li>Multi-policy<\/li>\n<li>Safety course<\/li>\n<li>Association member<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"nationwide\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best_for_high_coverage_limits\" title=\"Best for High Coverage Limits\"><\/span>\n    \n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/03\/nationwide-logo-300x113.png\" alt=\"\">\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for High Coverage Limits: Nationwide<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                In our head-to-head quote comparison, Nationwide stood out for making it affordable to bump up your coverage. Nationwide also tends to be friendlier toward &#8220;high-risk&#8221; bikers than our other top picks.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Nationwide&#038;rvitemid=322818-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4.4<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">862*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                In our head-to-head quote comparison, Nationwide stood out for making it affordable to bump up your coverage. Nationwide also tends to be friendlier toward &#8220;high-risk&#8221; bikers than our other top picks.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Tolerant of &#8220;high-risk&#8221; drivers<\/li>\n                            <li>Built-in accessory coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No agreed value coverage<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul>\n<li>Custom equipment<\/li>\n<li>OEM<\/li>\n<li>Roadside assistance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li>Multi-policy\/vehicle<\/li>\n<li>Homeowner<\/li>\n<li>Safety course<\/li>\n<li>Rider association<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"safeco\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"Best_For_Impressive_Discounts\" title=\"Impressive Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"safeco\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/05\/safeco-.png\" alt=\"Safeco logo\">\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Experienced Riders: Safeco<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019ve been riding for a long time, we recommend starting your search with a quote from Safeco because it has a reduced price specifically for bikers \u201cwith multiple years of riding experience.\u201d \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_Safeco&#038;rvitemid=307784-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">3.6<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">838*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019ve been riding for a long time, we recommend starting your search with a quote from Safeco because it has a reduced price specifically for bikers \u201cwith multiple years of riding experience.\u201d \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Comprehensive coverage<\/li>\n                            <li>Harley Davidson replacement<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quotes<\/li>\n                                        <li>No specialty bike coverage<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul>\n<li>Roadside assistance<br \/>\nOEM<br \/>\nSafety apparel<br \/>\nHarley Davidson replacement cost<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li>Claims free<\/li>\n<li>Multi-policy<\/li>\n<li>Safety course<\/li>\n<li>Experienced riders<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Best for Daily Riders: Geico\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico-motorcycle-\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/08\/Geico.svg\" alt=\"\">\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Daily Riders: Geico<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If you are a daily motorcycle rider, Geico offers cheapest average annual motorcycle coverage rates and mobile tools to manage your policy (when you&#8217;re not riding).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.geico.com\/motorcycle-insurance\/\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4.4<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">867*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If you are a daily motorcycle rider, Geico offers cheapest average annual motorcycle coverage rates and mobile tools to manage your policy (when you&#8217;re not riding).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Responsive live agents<\/li>\n                            <li>Covers a variety of motorcycle types<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Discounts not available everywhere<\/li>\n                                        <li>Limited add-on coverage<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul>\n<li>Medical payments<\/li>\n<li>Towing and labor<\/li>\n<li>Accessories<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li>Mature rider<\/li>\n<li>Renewal<\/li>\n<li>Multi-policy<\/li>\n<li>Motorcycle Safety Foundation course<\/li>\n<li>Transfer<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best6\" title=\"Best for Military Members: USAA\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa-motorcycle-\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2016\/09\/USAA-Logo-300x300.png\" alt=\"\">\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military Members: USAA<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Motorcycle riders in the military can enjoy affordable costs with low annual coverage rates. \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.usaa.com\/inet\/wc\/motorcycle-insurance?akredirect=true\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4.2<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">900<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Motorcycle riders in the military can enjoy affordable costs with low annual coverage rates. \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High customer satisfaction rating<\/li>\n                            <li>Low rates<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Only available to military members<\/li>\n                                        <li>Limited website information<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul>\n<li aria-level=\"1\">Medical payments<\/li>\n<li aria-level=\"1\">Uninsured\/underinsured<\/li>\n<li aria-level=\"1\">Roadside assistance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li aria-level=\"1\">Claims-free<\/li>\n<li aria-level=\"1\">Safety course<\/li>\n<li aria-level=\"1\">Multi-vehicle<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best7\" title=\"Best for Vintage and Collector\u2019s Bikes: Hagerty\"><\/span>\n    \n\n                                                \n\n\n<section id=\"hagerty-motorcycle\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <img decoding=\"async\" src=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2021\/02\/download-300x99.png\" alt=\"\">\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Vintage and Collector\u2019s Bikes: Hagerty<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Collector motorcycles under Hagerty\u2019s insurance plan do not have a fixed mileage restriction, which means you\u2019ll be able to ride your collector motorcycle without worrying about mileage. Additionally, Hagerty\u2019s claims that it will work with you to determine the fair value of your vehicle, and you will be covered under a covered loss. \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.hagerty.com\/insurance\/motorcycle-insurance\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">NA<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">NR<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">NR<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Collector motorcycles under Hagerty\u2019s insurance plan do not have a fixed mileage restriction, which means you\u2019ll be able to ride your collector motorcycle without worrying about mileage. Additionally, Hagerty\u2019s claims that it will work with you to determine the fair value of your vehicle, and you will be covered under a covered loss. \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Member discounts<\/li>\n                            <li>No fixed mileage restrictions<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Doesn&#8217;t underwrite its own policies<\/li>\n                                        <li>Strict motorcycle requirements<\/li>\n                                        <li>No mobile app<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul>\n<li>Fair value covered loss<\/li>\n<li>Trailer<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li>Multi-vehicle discounts<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*J.D. Power&#8217;s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-motorcycle-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">U.S. Motorcycle Insurance Study<\/a>. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"need-to-know\" title=\"Motorcycle Insurance: What You Need to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Motorcycle Insurance: What You Need to Know<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">Motorcycle Types<\/h2>\n\n\n\n<p>There are many different kinds of motorcycles, including:<\/p>\n\n\n\n<ul><li>Cruisers: Common models where the rider places their feet forward and hands up high on the bars. This causes the rider to sit with the spine erect or slightly leaning back.<\/li><li>Touring motorcycles: These models are generally \u201cwider\u201d with larger fairings and screens to offer better wind and weather protection during long rides. Seating posture is more relaxed, with most models also featuring panniers or saddlebags.<\/li><li>Sportbikes: Focused more on speed and acceleration. Riders straddle the motorcycle with higher footpegs to curl the legs up closer to the body to improve ground clearance.<\/li><li>Sport-touring motorcycles: Combines the comfort and luggage space of a touring motorcycle with the speed and handling of a sportbike.<\/li><li>Dirt bikes: These off-road motorcycles are light and durable to handle travel over uneven surfaces that are not conventionally paved. Tires are knobby to improve traction.<\/li><li>Trikes: Also known as motorized tricycles. Similar to a motorcycle, only with three wheels. The handling is also different with many models, featuring housing that encloses the rider almost like a car.<\/li><\/ul>\n\n\n\n<p>Knowing what kind of motorcycle you\u2019re trying to insure will help you when it comes time to determine coverage, as each of these tend to have their own traits and risks that help insurance providers adjust policies accordingly.<\/p>\n\n\n\n<p>Insuring a dirt bike might be less expensive than covering a brand-new cruiser. Once you know what you\u2019re covering, you can have a better idea of what to expect when gathering quotes.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"essential-coverage\" title=\"Essential Motorcycle Insurance Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Essential Motorcycle Insurance Coverage<\/h2>\n\n\n\n<p>In most states, you must carry liability insurance to ride legally, though exact minimums vary by state. A few jurisdictions instead emphasize post\u2011crash financial responsibility rather than pre\u2011crash compulsory coverage \u2014 see <a href=\"https:\/\/www.dmv.org\/insurance\/motorcycle-insurance-minimum-requirements.php\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">state\u2011specific rules<\/a>. For example, California\u2019s minimums are <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?sectionNum=16056.&#038;lawCode=VEH\">30\/60\/15<\/a> as of 2025, Washington requires at least <a href=\"https:\/\/app.leg.wa.gov\/rcw\/default.aspx?cite=46.29.090\">25\/50\/10<\/a>, <a href=\"https:\/\/dmv.ny.gov\/insurance\/insurance-coverage-requirements\">New York<\/a> requires liability but excludes motorcycles from no\u2011fault\/PIP, <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">Florida<\/a> does not require insurance to register\/operate a motorcycle but enforces financial responsibility after certain crashes, and <a href=\"https:\/\/www.nh.gov\/safety\/divisions\/dmv\/financial-responsibility\/\">New Hampshire<\/a> has no compulsory insurance but enforces financial responsibility after qualifying events. Minimums are only floors; the coverage below is commonly recommended to be truly protected in an accident or theft:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Collision<\/h3>\n\n\n\n<p>Covers damage caused by a collision with another vehicle. Most common accidents qualify as collisions, so this is the coverage you\u2019ll likely use most.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comprehensive<\/h3>\n\n\n\n<p>Covers theft or damage caused by something other than a collision with another car or object. This includes vandalism, natural disasters, and damage caused by animals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Liability<\/h3>\n\n\n\n<p>The amount your provider will pay out to the injured party if you\u2019re at-fault in an accident. Experts recommend getting as much as you can afford, but 100\/ 300\/ 50 is a good starting point. (That\u2019s $100,000 per person injured, up to $300,000 per accident, plus $50,000 in property damage.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Uninsured and underinsured motorist coverage<\/h3>\n\n\n\n<p>This covers your own repairs and medical bills if the person who hits you is un- or underinsured. As with liability, we suggest getting the highest limits you can \u2014 but at least 100\/ 300 is highly recommended ($100,000 per person, or up to $300,000 total per accident).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Buy as much liability insurance as you can afford<\/h3>\n\n\n\n<p>While the more liability insurance you add to your policy, the more expensive your premium, poor coverage can really hurt you in the long run. If you hit someone and are underinsured, there\u2019s a chance they may sue you to cover their losses \u2014 which could end up costing you your home or other assets. Attorney <a href=\"https:\/\/www.desmoinesinjurylaw.com\/cases-we-handle\/motorcycle-accident\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Chris Johnston<\/a> suggests starting with at least 100\/300 ($100,000 per person injured, up to $300,000 total per accident). However, with the right policy, it costs as little as a few dollars per year to get the most liability coverage your provider offers. That\u2019s a small price for a lot of peace of mind.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Supplemental coverage<\/h3>\n\n\n\n<p>With the right policy, motorcycle insurance can cover anything from repairs for your bike to replacement costs for your favorite leather jacket \u2014 you just have to choose a provider that covers what\u2019s important to you.&nbsp;<\/p>\n\n\n\n<p>Motorcycle insurance companies offer supplemental and add-on coverage, such as:&nbsp;<\/p>\n\n\n\n<ul><li>Custom parts and accessories<\/li><li>Roadside assistance<\/li><li>Trip interruption<\/li><li>Guest passenger liability<\/li><li>Safety gear and apparel coverage<\/li><li>Towing and labor<\/li><li>OEM parts and total loss\/new bike replacement (where offered)<\/li><li>Specialty options for vintage\/antique bikes and non\u2011competitive track days (e.g., <a href=\"https:\/\/www.markelinsurance.com\">Markel<\/a>)<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Compare quotes<\/strong><\/h4>\n\n\n\n<p>Don\u2019t settle for the first company you look at. Every provider has a unique underwriting process, meaning it\u2019ll evaluate your \u201crisk factors\u201d (like age, bike model, and driving history) a little differently and come up with a personalized quote. Compare at least 3\u20135 apples\u2011to\u2011apples quotes (same limits and deductibles) across a mix of digital-first and agent-supported carriers to find the best value; current buyer\u2019s guides from <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> are helpful starting points.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Don\u2019t forget about medical coverage<\/strong><\/h4>\n\n\n\n<p>Our insurance experts highly recommend an insurance policy with medical coverage. Brian Dunmire, <a href=\"https:\/\/traumainjurylawyer.com\/\">motorcycle accident attorney<\/a>, recommends PIP or medpay in the amount of at least $10,000. He points out that \u201coftentimes, these coverages can be added to your insurance policy for only a few dollars a month,\u201d and they\u2019ll be a huge help with medical bills.<\/p>\n\n\n\n<p>The type of medical coverage offered with motorcycle insurance varies by state; typically you\u2019re looking at personal injury protection (PIP) or medpay. PIP, or \u201cno fault\u201d insurance, is explained in the Insurance Information Institute\u2019s <a href=\"https:\/\/www.iii.org\/article\/background-on-no-fault-auto-insurance\">background on no\u2011fault insurance<\/a>. Availability and requirements differ by state \u2014 for example, <a href=\"https:\/\/dmv.ny.gov\/insurance\/insurance-coverage-requirements\">New York<\/a> requires liability for motorcycles but excludes them from no\u2011fault\/PIP, while <a href=\"https:\/\/www.michigan.gov\">Michigan<\/a> gives riders optional PIP medical with coordination rules. Medpay is similar to PIP but less comprehensive. It works with health insurance to cover <a href=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-an-insurance-deductible\/\">deductibles<\/a> and copays but won\u2019t supplement lost wages, child care, or funeral expenses, like PIP will.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"theft\" title=\"Does Motorcycle Insurance Cover Theft?\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Does Motorcycle Insurance Cover Theft?<\/h2>\n\n\n\n<p>Motorcycle theft coverage is usually part of the comprehensive coverage on a motorcycle insurance policy. When your motorcycle is stolen, you need to file a motorcycle theft claim with your insurance provider after reporting the theft to the police. From there, you will need to provide your claims adjuster with all the pertinent information to make sure you are properly compensated. Recent analyses show theft activity has been elevated, underscoring the importance of comprehensive coverage and layered anti\u2011theft measures <a href=\"https:\/\/www.nicb.org\/news\/news-releases\/motorcycle-thefts-continue-increase-2023\">according to NICB<\/a>. This information includes:<\/p>\n\n\n\n<ul><li>Police report number<\/li><li>Date, time, and location of theft<\/li><li>Your motorcycle\u2019s year, make, model, and mileage<\/li><li>All existing photos and receipts for any custom parts or accessories<\/li><\/ul>\n\n\n\n<p>You will also need to sign over the title of your motorcycle to the insurance company. If you still owe money to a bank for a loan, you will need to get the bank to sign off.<\/p>\n\n\n\n<p>Once you have done all this, it\u2019s just a waiting game where one of two things will happen first:<\/p>\n\n\n\n<ul><li>The authorities will recover your motorcycle<\/li><li>The entire motorcycle theft claims process will finish and you\u2019re compensated<\/li><\/ul>\n\n\n\n<p>In the event that your motorcycle is recovered, the comprehensive coverage will go toward repair costs. If your motorcycle turns up after you\u2019ve gone through the motorcycle claims process, then it is now the property of the insurance company.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated motorcycle insurance companies based on discounts, coverage, claim filing, financial strength and customer satisfaction to determine Reviews.com scores and create our best motorcycle insurance reviews. To compare motorcycle insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:<\/p>\n\n\n\n<ul><li>Discounts: Motorcycle insurance companies that advertised more discounts \u2014 including usage\u2011based\/telematics where available \u2014 received higher scores in our methodology.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each motorcycle insurance company\u2019s financial stability.<\/li><li>Customer Satisfaction: We referenced <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-motorcycle-insurance-study\">J.D. Power\u2019s U.S. Motorcycle Insurance Study<\/a> and the <a href=\"https:\/\/eapps.naic.org\">NAIC Complaint Index<\/a> to gauge service and complaint performance.<\/li><li>Coverage: Motorcycle insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection \u2014 including OEM parts endorsements, new bike replacement\/total loss, roadside\/trip interruption, and other specialty options where offered.<\/li><li>Claims Filing: Reviews.com compared each company\u2019s claims filing process \u2014 companies that had digital\/mobile claims filing and 24\/7 support scored the highest in this metric.&nbsp;<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Progressive and Geico frequently rank among the best motorcycle insurers in 2025 thanks to competitive pricing and broad coverage, based on recent comparisons from NerdWallet, Forbes Advisor, and Bankrate. Top motorcycle insurers pair strong financial stability with digital servicing, a wide discount menu (including usage\u2011based\/telematics where available), and useful add\u2011ons like OEM parts, [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":359390,"parent":1768,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1271],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Motorcycle Insurance Companies of 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"The best motorcycle insurance companies have nationwide availability, strong financial backing, essential policy options, and customizable coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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