{"id":324882,"date":"2025-11-14T08:03:36","date_gmt":"2025-11-14T13:03:36","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=92652"},"modified":"2025-11-14T08:03:36","modified_gmt":"2025-11-14T13:03:36","slug":"best-cheap","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/motorcycle\/best-cheap\/","title":{"rendered":"The Best Cheap Motorcycle Insurance Companies"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul><li>Current market research consistently cites Progressive and GEICO among the most widely recommended options for affordable, broad-availability motorcycle insurance, with specialty carriers like Dairyland, Markel and Foremost often favored for higher-risk or niche bikes; agent-centric brands such as State Farm, Allstate and Nationwide remain strong for bundlers and local service (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-motorcycle-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle\/best-motorcycle-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.thezebra.com\/motorcycle-insurance\/best-motorcycle-insurance-companies\/\">The Zebra<\/a>).<\/li><li>Discounts that commonly lower motorcycle premiums in 2025 include multi\u2011policy\/bundling, multi\u2011vehicle, safety\/defensive\u2011driving courses, anti\u2011theft\/ABS equipment, and increasingly telematics\/usage\u2011based programs plus payment\/paperless savings (see carrier discount programs from <a href=\"https:\/\/www.progressive.com\/auto\/discounts\/\">Progressive<\/a>, <a href=\"https:\/\/www.allstate.com\/auto-insurance\/discounts\">Allstate<\/a>, <a href=\"https:\/\/www.libertymutual.com\/auto\/insurance-discounts\">Liberty Mutual<\/a>, <a href=\"https:\/\/www.usaa.com\/insurance\/auto\/discounts\">USAA<\/a>, <a href=\"https:\/\/www.geico.com\/auto-insurance\/discounts\/\">GEICO<\/a>, and the <a href=\"https:\/\/www.iii.org\/article\/auto-insurance-discounts\">Insurance Information Institute<\/a>).<\/li><li>Most major insurers advertise approved motorcycle safety course discounts and other savings, but amounts and availability vary by state; always compare multiple like\u2011for\u2011like quotes to capture differences in underwriting appetite and discount stacking (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle\/ how-much-is-motorcycle-insurance\/\">Bankrate cost research<\/a>; <a href=\"https:\/\/www.valuepenguin.com\/motorcycle-insurance\/how-much-is-motorcycle-insurance\">ValuePenguin<\/a>).<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best\" title=\"The Best Cheap Motorcycle Insurance Companies\"><\/span>\n    \n\n\n<p>The best cheap motorcycle insurance balances cost with coverage fit. Recent comparisons emphasize requesting quotes from at least three to four carriers \u2014 include a mix of broad-market options (e.g., Progressive, GEICO) and a specialty carrier (e.g., Dairyland, Markel or Foremost) to capture different underwriting appetites (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-motorcycle-insurance\">NerdWallet<\/a>). Typical full\u2011coverage policies for standard\u2011risk riders often land around $600\u2013$900 per year nationally (about $50\u2013$75\/month), with wide variation by state, bike type and history (<a href=\"https:\/\/www.valuepenguin.com\/motorcycle-insurance\/how-much-is-motorcycle-insurance\">ValuePenguin<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle-insurance\/how-much-is-motorcycle-insurance\/\">Bankrate<\/a>). Rates have faced upward pressure alongside elevated motor\u2011vehicle insurance inflation, so compare like\u2011for\u2011like coverages and deductibles to find best value (<a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\">BLS CPI: Motor vehicle insurance<\/a>).<\/p>\n\n\n<div id=\"block_c805327889c72\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">It\u2019s up to you<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>\u201dAffordable\u201d means different things for different riders. Shop widely because quotes vary by insurer and state. Your price will be shaped by age\/experience, violations\/claims, garaging ZIP, annual miles, bike class and value, and the coverages\/deductibles you select. Recent motor vehicle insurance inflation has added pressure to premiums, so re\u2011shop at renewal and verify discount eligibility (<a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\">BLS CPI: Motor vehicle insurance<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 6 Best Cheap Motorcycle Insurance Companies<\/h2>\n\n\n\n<ul><li><a href=\"#nationwide\" rel=\"nofollow\" class=\"achor-toggles\">Nationwide<\/a>: Competitive pricing and a solid discount menu in many regions; good fit for mainstream riders and bundlers (<a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle\/best-motorcycle-insurance\/\">Bankrate<\/a>).<\/li><li><a href=\"#liberty\" rel=\"nofollow\" class=\"achor-toggles\">Liberty Mutual<\/a>: Strong digital tools and savings options like RightTrack telematics and multi\u2011policy, with availability varying by state (<a href=\"https:\/\/www.libertymutual.com\/auto\/insurance-discounts\">Liberty Mutual discounts<\/a>).<\/li><li><a href=\"#safeco\" rel=\"nofollow\" class=\"achor-toggles\">Safeco<\/a>: Robust roadside assistance and trip\u2011interruption options; part of Liberty Mutual Group with broad agent support (<a href=\"https:\/\/www.thezebra.com\/motorcycle-insurance\/best-motorcycle-insurance-companies\/\">The Zebra<\/a>).<\/li><li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Feature\u2011rich policies (accident forgiveness, new bike replacement in some states) and telematics via Drivewise; multi\u2011policy discounts available (<a href=\"https:\/\/www.allstate.com\/auto-insurance\/discounts\">Allstate discounts<\/a>).<\/li><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>: Best for military families; often places motorcycle policies through a Progressive partner program while layering USAA member benefits (<a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-motorcycle-insurance\">NerdWallet<\/a>).<\/li><li><a href=\"#markel\" rel=\"nofollow\" class=\"achor-toggles\">Markel<\/a>: Specialty coverage leader with options for custom\/vintage bikes, higher accessory limits and niche endorsements (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>).<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Comparison Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Cheap Motorcycle Insurance Companies<\/h2>\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_Cheap_Nationwide\">Nationwide<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=\" motorcycle_cheap_liberty_mutual\"=\"\">Liberty Mutual<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Cheap_Safeco\">Safeco<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Cheap_Allstate\">Allstate<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Cheap_USAA\">USAA<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Cheap_Markel\">Markel<\/a>\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=\"\/insurance\/motorcycle\/nationwide-insurance-review\/\">Our review<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <a href=\"\/insurance\/motorcycle\/allstate-review\/\">Our review<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              \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              Mainstream value &#038; bundling\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              Digital discounts &#038; telematics\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              Roadside &#038; trip interruption\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              Feature\u2011rich add\u2011ons\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              \nMilitary families via partner\n\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              Specialty &#038; niche coverage\n\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              \nReviews.com Score\n\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              \u2014\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              \u2014\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              \u2014\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              \u2014\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              \u2014\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              \u2014\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>A.M. Best 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              A++\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              A\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              J.D. Power score\n\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              N\/A\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              N\/A\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              N\/A\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              N\/A\n            <\/td>\n                                        <td class=\"&#x20;col-6\">\n              N\/A\n            <\/td>\n                                        <td class=\"&#x20;col-7\">\n              Not Rated\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_Cheap_Nationwide\" 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_Cheap_Liberty_Mutual\" 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_Cheap_Safeco\" 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_Cheap_Allstate\" 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_Cheap_Allstate\" 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_Cheap_Allstate\" 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<p class=\"xx-small\"><i><span style=\"font-weight: 400;\">Information accurate as of November 2025.<\/span><\/i><\/p>\n\n<section id=\"block_2a21f33688313\" class=\"block b-item-list b-item-list--\" data-js=\"b-item-list\" data-preamp=\"b-item-list\">\n    <ul class=\"b-item-list__list\">\n            <\/ul>\n<\/section>\n\n\n            <span class=\"b-anchor\" id=\"nationwide\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"high-risk\" title=\"Best for High-Risk Riders: Nationwide\"><\/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                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for High-Risk Riders: 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                Nationwide offers a solid coverage suite and competitive pricing in many regions, with discounts for multi\u2011policy, safety courses and anti\u2011theft equipment; it\u2019s a practical option to include alongside specialty carriers if you have a complex profile (<a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle\/best-motorcycle-insurance\/\">Bankrate<\/a>). Availability and pricing vary by state and rider history, so compare like\u2011for\u2011like quotes.\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\">\u2014<\/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\">N\/A*<\/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                Nationwide offers a solid coverage suite and competitive pricing in many regions, with discounts for multi\u2011policy, safety courses and anti\u2011theft equipment; it\u2019s a practical option to include alongside specialty carriers if you have a complex profile (<a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle\/best-motorcycle-insurance\/\">Bankrate<\/a>). Availability and pricing vary by state and rider history, so compare like\u2011for\u2011like quotes.\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>OEM parts endorsement available in many states<\/li>\n                            <li>Built\u2011in or optional accessory coverage<\/li>\n                            <li>Digital claims and policy self\u2011service<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\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>New\/total\u2011loss replacement availability varies by brand\/state<\/li>\n                                    <li>Specialty\/niche endorsements may be richer at dedicated carriers<\/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\">Types of Coverage Offered**<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Custom parts &#038; accessory (limits vary)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">OEM parts endorsement (state dependent)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance &#038; towing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured\/underinsured motorist<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi\u2011policy &#038; multi\u2011vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Motorcycle safety or defensive driving course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti\u2011theft device\/ABS (where filed)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Riding association affiliation<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*J.D. Power&#8217;s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-insurance-shopping-study\">2020 U.S. Insurance Shopping Study<\/a> rating. Based on a 1,000-point scale. For the latest sector context, see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a> and cross\u2011market indices like the <a href=\"https:\/\/www.theacsi.org\/\">ACSI<\/a>.<\/p>\n\n\n\n<p>**In addition to basic coverage of comprehensive, collision, body liability, personal injury, and property liability.<\/p>\n\n\n\n            <span class=\"b-anchor\" id=\"liberty-mutual\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"low-risk\" title=\"Best for Low-Risk Riders: Liberty Mutual\"><\/span>\n    \n\n                                                \n\n\n<section id=\"liberty-mutual-renters-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Liberty Mutual Renters Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Low-Risk Riders: Liberty Mutual<\/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                Liberty Mutual offers strong discount breadth for cautious riders, including approved safety course savings, multi\u2011policy and a usage\u2011based option (RightTrack) in many states; availability and impacts vary (<a href=\"https:\/\/www.libertymutual.com\/auto\/insurance-discounts\">Liberty Mutual discounts<\/a>).\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\/motorcycle\/quotes\/?refer=Motorcycle_Cheap_Liberty_Mutual&#038;rvitemid=316827-20\" 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\">\u2014<\/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\">N\/A*<\/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                Liberty Mutual offers strong discount breadth for cautious riders, including approved safety course savings, multi\u2011policy and a usage\u2011based option (RightTrack) in many states; availability and impacts vary (<a href=\"https:\/\/www.libertymutual.com\/auto\/insurance-discounts\">Liberty Mutual discounts<\/a>).\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>Accident forgiveness options (state dependent)<\/li>\n                            <li>Replacement bike coverage in some programs<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\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>Availability and specific discounts vary by state<\/li>\n                                    <li>Specialty or vintage bikes may fit better with niche carriers<\/li>\n                                    <li>Telematics savings depend on program and driving data<\/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\">Types of Coverage Offered**<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better Bike\/New Bike replacement (where offered)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance &#038; towing<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safety course &#038; good rider<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bundle and save<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Telematics (RightTrack) in many states<\/span><\/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=\"roadside\" title=\"Best for Roadside Assistance: Safeco\"><\/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                            <span class=\"b-mini-review__logo-wrapper-title\">Safeco<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Roadside Assistance: 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                Safeco\u2019s roadside assistance add\u2011on typically includes towing, on\u2011scene help (e.g., fuel, battery, flat tire) and trip\u2011interruption benefits \u2014 useful for touring riders. As part of Liberty Mutual Group, Safeco offers broad distribution through agents; availability and options vary by state (<a href=\"https:\/\/www.thezebra.com\/motorcycle-insurance\/best-motorcycle-insurance-companies\/\">The Zebra<\/a>).\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\">\u2014<\/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\">N\/A*<\/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                Safeco\u2019s roadside assistance add\u2011on typically includes towing, on\u2011scene help (e.g., fuel, battery, flat tire) and trip\u2011interruption benefits \u2014 useful for touring riders. As part of Liberty Mutual Group, Safeco offers broad distribution through agents; availability and options vary by state (<a href=\"https:\/\/www.thezebra.com\/motorcycle-insurance\/best-motorcycle-insurance-companies\/\">The Zebra<\/a>).\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>Safety and bundling discounts (state dependent)<\/li>\n                            <li>Optional new\/total\u2011loss replacement in some programs<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\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>Vintage\/collector and track\u2011day needs may fit better with specialty carriers<\/li>\n                                    <li>Availability and limits vary by state and via agents<\/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\">Types of Coverage Offered**<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">OEM parts endorsement (where available)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safety gear coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New\/total\u2011loss replacement (state dependent)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance &#038; trip interruption<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims\u2011free &#038; renewal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bundle (multi\u2011policy) &#038; multi\u2011vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safety course &#038; experienced rider<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment (anti\u2011theft\/ABS) where filed<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"allstate\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"bundling\" title=\"Best for Bundling: Allstate\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Bundling: Allstate<\/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                Allstate combines a broad national footprint with feature\u2011rich packages \u2014 including accident forgiveness and, in some states, new bike replacement \u2014 plus bundling and telematics via Drivewise. Discount names, amounts and availability vary by state (<a href=\"https:\/\/www.allstate.com\/auto-insurance\/discounts\">Allstate discounts<\/a>).\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\/motorcycle\/quotes\/?refer=Motorcycle_Cheap_Allstate&#038;rvitemid=322347-20\" 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\">\u2014<\/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\">N\/A*<\/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                Allstate combines a broad national footprint with feature\u2011rich packages \u2014 including accident forgiveness and, in some states, new bike replacement \u2014 plus bundling and telematics via Drivewise. Discount names, amounts and availability vary by state (<a href=\"https:\/\/www.allstate.com\/auto-insurance\/discounts\">Allstate discounts<\/a>).\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>Multi\u2011policy and telematics (Drivewise) potential savings<\/li>\n                            <li>Feature\u2011rich coverage options including add\u2011ons<\/li>\n                            <li>Lease\/loan gap and accessory limits available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\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>Discount amounts and availability vary by state<\/li>\n                                    <li>Some specialty needs may be better served by niche carriers<\/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\">Types of Coverage Offered**<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured\/underinsured motorist<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Towing and labor (roadside assistance)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trailer &#038; accessory coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lease\/loan gap<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optional or added equipment<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi\u2011vehicle\/policy (bundling)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good rider &#038; safety course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Telematics (Drivewise) where available<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Organization\/affiliation<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"military\" title=\"Best for Military Members\"><\/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                            <span class=\"b-mini-review__logo-wrapper-title\">USAA Motorcycle <\/span>\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                USAA is a top option for active\u2011duty, veterans and families. Motorcycle policies are often placed through a Progressive partner program, combining Progressive\u2019s motorcycle product breadth with USAA service and potential member savings (<a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-motorcycle-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle\/best-motorcycle-insurance\/\">Bankrate<\/a>).\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\">\u2014<\/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\">N\/A*<\/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                USAA is a top option for active\u2011duty, veterans and families. Motorcycle policies are often placed through a Progressive partner program, combining Progressive\u2019s motorcycle product breadth with USAA service and potential member savings (<a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-motorcycle-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle\/best-motorcycle-insurance\/\">Bankrate<\/a>).\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>Military\u2011focused service and support<\/li>\n                            <li>Strong financial strength<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\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>Eligibility limited to military and family<\/li>\n                                    <li>Product details vary because policies are issued via a partner<\/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\">Types of Coverage Offered**<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured\/underinsured motorist<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance &#038; towing<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims\u2011free &#038; safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safety course\/driver training<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi\u2011vehicle &#038; multi\u2011policy<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n                                                \n\n\n<section id=\"markel\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Markel<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options: Markel<\/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 is a specialty leader with higher accessory limits and niche endorsements (e.g., support for custom\/vintage and track\u2011day use in some states), making it a strong fit for unique bikes and specialized needs (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.thezebra.com\/motorcycle-insurance\/best-motorcycle-insurance-companies\/\">The Zebra<\/a>).\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\/motorcycle\/quotes\/?refer=Motorcycle_Markel&#038;rvitemid=307837-20\" 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\">\u2014<\/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\">N\/A*<\/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 is a specialty leader with higher accessory limits and niche endorsements (e.g., support for custom\/vintage and track\u2011day use in some states), making it a strong fit for unique bikes and specialized needs (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.thezebra.com\/motorcycle-insurance\/best-motorcycle-insurance-companies\/\">The Zebra<\/a>).\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>Wide variety of specialty endorsements<\/li>\n                            <li>Many discounts available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\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>Claims may be phone\/email driven depending on state\/program<\/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\">Types of Coverage Offered**<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance &#038; towing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Passenger liability (where applicable)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mechanical breakdown (program dependent)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trailer coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Funeral expense (where available)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe driver &#038; claims\u2011free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safety course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer &#038; multi\u2011policy (where offered)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident forgiveness (program dependent)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ABS\/anti\u2011theft equipment<\/span><\/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\/2020-us-insurance-shopping-study\">2020 U.S. Insurance Shopping Study<\/a> rating. Based on a 1,000-point scale. For current satisfaction context, consult the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a> and the <a href=\"https:\/\/www.theacsi.org\/\">ACSI<\/a>.<\/em><\/p>\n\n\n\n<p><em>**In addition to basic coverage of comprehensive, collision, body liability, personal injury, and property liability.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cheap Motorcycle Insurance: What You Need to Know&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage options<\/h3>\n\n\n\n<p>Buy for protection first, not just to meet minimums. Editorial reviews recommend limits above state minimums plus protection for your bike (collision and comprehensive), accessories, and uninsured\/underinsured motorist. Coverage features vary: accessory\/custom parts limits, OEM parts endorsements, roadside\/trip interruption, and total\u2011loss\/new bike replacement are not uniform across brands or states (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-motorcycle-insurance\">NerdWallet<\/a>). In California, the minimum auto\/motorcycle liability limits increased to 30\/60\/15 effective January 1, 2025 (<a href=\"https:\/\/www.dmv.ca.gov\/portal\/vehicle-registration\/financial-responsibility\/insurance-requirements\/\">California DMV<\/a>).<\/p>\n\n\n\n<p>\u201cThe biggest problem with motorcycle insurance is that riders buy the cheapest policy to be \u2018street legal\u2019 by state law, but they don\u2019t buy the correct amount of coverage to protect themselves in the event of an accident,&#8221; says <a href=\"https:\/\/bikershaverights.com\/\" rel=\"nofollow\" class=\"achor-toggles\">Brad Tabakin<\/a>, a personal injury attorney.<\/p>\n\n\n\n<p>When comparing providers, ensure access to essentials and useful add\u2011ons: collision and comprehensive, uninsured\/underinsured motorist, medical payments, roadside assistance\/trip interruption, accessory\/custom parts coverage, OEM parts endorsements, and \u2014 where offered \u2014 total\u2011loss\/new bike replacement (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>). Specialty carriers (Markel, Foremost, Dairyland) often lead on niche endorsements (<a href=\"https:\/\/www.thezebra.com\/motorcycle-insurance\/best-motorcycle-insurance-companies\/\">The Zebra<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Collision coverage<\/h3>\n\n\n\n<p>Collision pays to repair or replace your bike after a crash, subject to your deductible. Typical motorcycle deductibles are commonly chosen in the $250\u2013$1,000 range; higher deductibles generally lower premiums but increase out\u2011of\u2011pocket costs after a loss (<a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle-insurance\/how-much-is-motorcycle-insurance\/\">Bankrate<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comprehensive coverage<\/h3>\n\n\n\n<p>Comprehensive covers non\u2011collision losses like theft, vandalism, fire and weather. Theft risk has risen in recent years in several metros, which can affect comprehensive pricing; secure storage and anti\u2011theft devices can help (<a href=\"https:\/\/www.nicb.org\/news\/news-releases\">NICB theft reports<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Lots of discounts<\/h3>\n\n\n\n<p>Common 2025 savings include bundling\/multi\u2011policy, multi\u2011vehicle, safety\/defensive\u2011driving courses, anti\u2011theft\/ABS, pay\u2011in\u2011full, automatic payments and paperless. Many insurers also offer telematics programs (e.g., Progressive Snapshot, Allstate Drivewise, Liberty Mutual RightTrack, USAA SafePilot, GEICO DriveEasy) with potential savings for safe habits; participation, data use and discount amounts vary by state (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/\">Progressive<\/a>; <a href=\"https:\/\/www.allstate.com\/auto-insurance\/discounts\">Allstate<\/a>; <a href=\"https:\/\/www.libertymutual.com\/auto\/insurance-discounts\">Liberty Mutual<\/a>; <a href=\"https:\/\/www.usaa.com\/insurance\/auto\/discounts\">USAA<\/a>; <a href=\"https:\/\/www.geico.com\/auto-insurance\/discounts\/\">GEICO<\/a>; <a href=\"https:\/\/www.iii.org\/article\/auto-insurance-discounts\">III<\/a>).<\/p>\n\n\n\n<p>You may qualify automatically for some discounts (e.g., homeowner, experienced rider). Proactive steps \u2014 completing approved courses, installing anti\u2011theft devices, enrolling in a telematics program \u2014 can further reduce premiums. ABS is associated with lower crash rates and losses on motorcycles, which some insurers reflect with credits (<a href=\"https:\/\/www.iihs.org\/topics\/motorcycles\/antilock-brakes\">IIHS\/HLDI on motorcycle ABS<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Affordable premiums<\/h3>\n\n\n\n<p>For apples\u2011to\u2011apples comparisons, fix your rider profile, bike, garaging ZIP, annual miles, limits and deductibles, then gather multiple quotes \u2014 include both broad\u2011market and specialty carriers (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>). Typical full\u2011coverage costs for standard\u2011risk riders often cluster around $600\u2013$900\/year nationally, but premiums vary widely; recent motor\u2011vehicle insurance inflation has kept upward pressure on rates (<a href=\"https:\/\/www.valuepenguin.com\/motorcycle-insurance\/how-much-is-motorcycle-insurance\">ValuePenguin<\/a>; <a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\">BLS CPI<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Save on Your Motorcycle Insurance Premium<\/h2>\n\n\n<div id=\"block_6025912e633be\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Bundle your insurance<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Sometimes you can save on multiple types of insurance by <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\"><span style=\"font-weight: 400;\">bundling them together<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWhen it\u2019s practical, combine as many policies as possible to receive the best multi-policy discounts,\u201d says John Espenschied, Agency Principal at <\/span><a href=\"https:\/\/insurancebrokersgroup.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Insurance Brokers Group<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This means insuring your motorcycle through the same company that covers your home, car, or any other insurance you may carry. Be aware, though, that bundling isn\u2019t always the right choice. Motorcycle insurance is specialized, and you may want options like custom parts, accessory, safety apparel coverage, OEM parts endorsements, or new bike replacement that differ by carrier and state (<\/span><a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\"><span style=\"font-weight: 400;\">Forbes Advisor<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6025914c633bf\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Compare quotes<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Compare at least three to four quotes, keeping the same rider, bike, ZIP, limits and deductibles. Include both broad-market carriers (e.g., Progressive, GEICO) and a specialty carrier (e.g., Dairyland, Markel or Foremost) to capture different underwriting appetites and discount structures (<\/span><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-motorcycle-insurance\"><span style=\"font-weight: 400;\">NerdWallet<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Motorcycle insurance discounts<\/h2>\n\n\n\n<p>In late 2025, the most common savings include bundling\/multi\u2011policy, multi\u2011vehicle, safe\u2011driver\/accident\u2011free, defensive\u2011driving\/safety courses, anti\u2011theft and ABS equipment credits, and payment\/paperless options. Many carriers also offer usage\u2011based programs (telematics) with potential discounts for safe driving; availability, terms and discount caps vary by state and insurer (<a href=\"https:\/\/www.iii.org\/article\/auto-insurance-discounts\">III overview<\/a>; carrier pages: <a href=\"https:\/\/www.progressive.com\/auto\/discounts\/\">Progressive<\/a>, <a href=\"https:\/\/www.allstate.com\/auto-insurance\/discounts\">Allstate<\/a>, <a href=\"https:\/\/www.libertymutual.com\/auto\/insurance-discounts\">Liberty Mutual<\/a>, <a href=\"https:\/\/www.usaa.com\/insurance\/auto\/discounts\">USAA<\/a>, <a href=\"https:\/\/www.geico.com\/auto-insurance\/discounts\/\">GEICO<\/a>).<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><br><\/td><td>Nationwide<\/td><td>Liberty Mutual<\/td><td>Safeco<\/td><td>Allstate<\/td><td>USAA<\/td><td>Markel<\/td><\/tr><tr><td>Safety course<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><\/tr><tr><td>Anti-theft device<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td><br><\/td><td><br><\/td><td>\u2714<\/td><\/tr><tr><td>Anti-lock brake<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td><br><\/td><td><br><\/td><td>\u2714<\/td><\/tr><tr><td>Motorcycle association membership<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td><br><\/td><td><br><\/td><\/tr><tr><td>Bundling<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td><br><\/td><\/tr><tr><td>Paid-in-full<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td><br><\/td><td><br><\/td><td><br><\/td><\/tr><tr><td>Homeowner<\/td><td>\u2714<\/td><td><br><\/td><td>\u2714<\/td><td><br><\/td><td><br><\/td><td><br><\/td><\/tr><tr><td>Safe driver<\/td><td><br><\/td><td><br><\/td><td><br><\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><\/tr><tr><td>No at-fault accidents<\/td><td><br><\/td><td><br><\/td><td>\u2714<\/td><td><br><\/td><td><br><\/td><td><br><\/td><\/tr><tr><td>Renewal<\/td><td><br><\/td><td><br><\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><\/tr><tr><td>Mature rider<\/td><td><br><\/td><td><br><\/td><td>\u2714<\/td><td><br><\/td><td><br><\/td><td><br><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Motorcycle Insurance FAQ<\/h2>\n\n\n<div id=\"block_df308b9655aae\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can you still get cheap motorcycle insurance with a bad driving record?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It\u2019s possible, but your options will narrow and prices will vary widely by state and bike type. Include a specialty carrier known for flexible underwriting (e.g., Dairyland) alongside mass\u2011market options when you shop; some will also handle SR\u201122 filings where applicable (<\/span><a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\"><span style=\"font-weight: 400;\">Forbes Advisor<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle\/best-motorcycle-insurance\/\"><span style=\"font-weight: 400;\">Bankrate<\/span><\/a><span style=\"font-weight: 400;\">). Nationwide and agent\u2011led brands can be competitive for some profiles; always compare like\u2011for\u2011like coverages.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_0be40880872b8\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What affects motorcycle insurance rates?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Major drivers include state and ZIP (theft, weather, legal environment), rider age\/experience and record, bike class\/engine size and value, annual miles, storage, and chosen limits\/deductibles. ABS on motorcycles is linked to lower crash and claim rates, which can improve pricing (<\/span><a href=\"https:\/\/www.iihs.org\/topics\/motorcycles\/antilock-brakes\"><span style=\"font-weight: 400;\">IIHS\/HLDI<\/span><\/a><span style=\"font-weight: 400;\">). Recent motor vehicle insurance inflation has also pushed rates higher across personal lines (<\/span><a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\"><span style=\"font-weight: 400;\">BLS CPI<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_267ced2f8f468\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does motorcycle insurance cover passengers?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>It depends on your state and policy. Many insurers extend coverage to a passenger via medical payments or guest\/passenger liability when selected, but names and availability differ by carrier and state. Check your declarations page for passenger liability or med\u2011pay limits and ask your insurer how passengers are covered on your chosen policy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_092d1cacb58c3\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is motorcycle insurance required by law?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Most states require liability insurance to operate a motorcycle legally. Minimum limits vary; for example, California\u2019s minimums increased to 30\/60\/15 on January 1, 2025 (<a href=\"https:\/\/www.dmv.ca.gov\/portal\/vehicle-registration\/financial-responsibility\/insurance-requirements\/\">California DMV<\/a>). Even where minimums are low, experts generally recommend higher limits plus protection for your own bike and accessories.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated motorcycle insurers on discount breadth, coverage features, digital\/agent claims support, financial strength and current customer\u2011experience indicators to determine Reviews.com scores and build our picks. We referenced 2024\u20132025 editorial evaluations and cost research from independent outlets and industry sources (<a href=\"https:\/\/www.forbes.com\/advisor\/motorcycle-insurance\/best-motorcycle-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/best-motorcycle-insurance\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/motorcycle-insurance\/how-much-is-motorcycle-insurance\/\">Bankrate costs<\/a>; <a href=\"https:\/\/www.valuepenguin.com\/motorcycle-insurance\/how-much-is-motorcycle-insurance\">ValuePenguin<\/a>).<br><\/p>\n\n\n\n<ul><li>Discounts: Insurers that advertise more savings opportunities (bundling, multi\u2011vehicle, safety courses, anti\u2011theft\/ABS, payment\/paperless, and where available telematics) scored higher (see carrier pages and <a href=\"https:\/\/www.iii.org\/article\/auto-insurance-discounts\">III<\/a>).<\/li><li>Financial Stability: We referenced A.M. Best ratings to benchmark financial strength.<\/li><li>Customer Satisfaction: There is no dedicated J.D. Power motorcycle satisfaction study; we used cross\u2011market indicators and the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power auto insurance studies<\/a> for sector context, alongside national indices like the <a href=\"https:\/\/www.theacsi.org\/\">ACSI<\/a>.<\/li><li>Coverage: We scored higher for advertised coverages beyond basic liability\/collision\/comprehensive, including accessory\/custom parts limits, OEM parts endorsements, roadside\/trip interruption, and where offered total\u2011loss\/new bike replacement.<\/li><li>Claims Filing: We compared each company\u2019s claims experience and digital options; carriers offering online\/app claims and strong support scored higher.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Current market research consistently cites Progressive and GEICO among the most widely recommended options for affordable, broad-availability motorcycle insurance, with specialty carriers like Dairyland, Markel and Foremost often favored for higher-risk or niche bikes; agent-centric brands such as State Farm, Allstate and Nationwide remain strong for bundlers and local service (Forbes Advisor; NerdWallet; [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":359434,"parent":1768,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1271],"tags":[],"post_author":[23280],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Cheap Motorcycle Insurance Companies of 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our cheap motorocycle insurance review compares the companies that strike the best balance of affordability, great coverage, and financial stability.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/best-cheap\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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