{"id":325338,"date":"2025-11-11T17:00:11","date_gmt":"2025-11-11T22:00:11","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=98804"},"modified":"2025-11-11T17:00:11","modified_gmt":"2025-11-11T22:00:11","slug":"progressive-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/motorcycle\/progressive-review\/","title":{"rendered":"Progressive Motorcycle Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Progressive Motorcycle Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Progressive Motorcycle Insurance Review<\/h2>\n\n\n\n<p>Progressive is a major U.S. personal lines insurer with a leading position in motorcycles. Founded in 1937, the company pioneered direct-to-consumer innovations and today identifies itself as America\u2019s No. 1 motorcycle insurer, a status supported by its latest SEC filings and rating-agency commentary. Progressive\u2019s special lines segment (which includes motorcycles) reported over 6 million policies in force at year-end 2024, underscoring its scale in this niche (<a href=\"https:\/\/investors.progressive.com\/financials\/sec-filings\/default.aspx\">Progressive 10-K\/Annual filing<\/a>; <a href=\"https:\/\/ratings.ambest.com\/companyprofile.aspx?insurerid=10298\">AM Best company profile<\/a>; <a href=\"https:\/\/investors.progressive.com\/financials\/monthly-results\/default.aspx\">Progressive monthly PIF<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Claim<\/h3>\n\n\n\n<p>Progressive markets itself as the No. 1 U.S. motorcycle insurer and emphasizes broad, customizable coverage at competitive prices. Highlighted options include OEM (original equipment manufacturer) parts coverage, generous custom parts and accessories limits, and digital-first shopping and claims experiences (<a href=\"https:\/\/www.progressive.com\/motorcycle\/\">Progressive motorcycle<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is it true?<\/h3>\n\n\n\n<p>Yes \u2014 the leadership claim is credible. Progressive\u2019s most recent annual report states it is the largest U.S. writer of motorcycle insurance, and major rating agencies characterize Progressive as a leader in motorcycle and other recreational lines. Note that NAIC public exhibits don\u2019t publish a stand\u2011alone \u201cmotorcycle\u201d market\u2011share table; leadership is evidenced via company filings and independent industry analyses. Progressive\u2019s special lines book (including motorcycles) exceeded 6 million policies in force as of year\u2011end 2024 (<a href=\"https:\/\/investors.progressive.com\/financials\/sec-filings\/default.aspx\">Progressive annual filing<\/a>; <a href=\"https:\/\/investors.progressive.com\/annualreport\">Progressive Annual Report<\/a>; <a href=\"https:\/\/investors.progressive.com\/financials\/monthly-results\/default.aspx\">monthly PIF<\/a>).<\/p>\n\n\n\n<p>Customer experience is competitive but not uniformly top\u2011ranked. Independent benchmarks such as J.D. Power\u2019s industry studies show mixed satisfaction across large national carriers, with price dynamics weighing heavily. See the latest editions for current results: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\">J.D. Power\u2019s 2019 U.S. Auto Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-motorcycle-insurance-study\" target=\"_blank\" rel=\"nofollow\">a separate J.D. Power study evaluating claims satisfaction<\/a>. The key takeaway: market leadership does not automatically equate to the highest satisfaction, and results vary by region and product.<\/p>\n\n\n\n<p>While auto and motorcycle insurance are distinct products, the broader trend is consistent: satisfaction has been pressured industry\u2011wide by higher premiums and claim costs, though digital service improvements are helping some carriers close gaps (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power 2024 U.S. Auto Insurance Study<\/a>; <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-motorcycle-insurance-study\">J.D. Power 2024 U.S. Motorcycle Insurance Study<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Product Overview\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Product Overview<\/h2>\n\n\n\n<ul class=\"list-items\"><li><strong>In business since:<\/strong> 1937<\/li><li><strong>A.M. Best financial strength rating:<\/strong> A+ (Superior) <a href=\"https:\/\/investors.progressive.com\/financial-information\/credit-ratings\/default.aspx\">(Progressive IR credit ratings)<\/a> <a href=\"https:\/\/www.ambest.com\/ratings\/guide.asp\">(A.M. Best definitions)<\/a><\/li><li><strong>Moody\u2019s financial strength rating:<\/strong> Aa2 <a href=\"https:\/\/investors.progressive.com\/financial-information\/credit-ratings\/default.aspx\">(Progressive IR)<\/a> <a href=\"https:\/\/ratings.moodys.com\/ratings-definitions\">(Moody\u2019s definitions)<\/a><\/li><li><strong>S&amp;P Global financial strength rating:<\/strong> AA <a href=\"https:\/\/investors.progressive.com\/financial-information\/credit-ratings\/default.aspx\">(Progressive IR)<\/a> <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/about\/intro-to-credit-ratings\">(S&amp;P definitions)<\/a><\/li><li><strong>Better Business Bureau rating:<\/strong> B- (verify current status directly with BBB; ratings can change)<\/li><li><strong>Pros:<\/strong> Customizable coverage for vintage\/custom bikes; OEM parts option and high accessories limits; strong digital quote\/claim tools; widely cited market leader in motorcycles (<a href=\"https:\/\/www.progressive.com\/motorcycle\/\">Progressive motorcycle<\/a>; <a href=\"https:\/\/investors.progressive.com\/annualreport\">Annual Report<\/a>)<\/li><li><strong>Cons:<\/strong> Satisfaction varies by region and price environment (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-motorcycle-insurance-study\">J.D. Power 2024<\/a>); add\u2011ons increase premiums; rates have faced upward pressure industry\u2011wide (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI \u2013 motor vehicle insurance<\/a>; <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra 2025<\/a>)<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Features<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Insures classic and custom motorcycles<\/h4>\n\n\n\n<p>Progressive is well\u2011suited for vintage, antique, or custom bikes. OEM parts coverage can be selected so replacements come from the original manufacturer, and policies offer built\u2011in protection for custom parts and accessories when you add comprehensive and collision \u2014 typically up to $3,000 included, with optional increases up to $30,000 for highly customized machines (<a href=\"https:\/\/www.progressive.com\/motorcycle\/\">Progressive motorcycle<\/a>).<\/p>\n\n\n\n<p>Riders can also benefit from broader specialty-line practices now common in the segment: explicit coverage for riding gear, flexible limits for accessories, and seasonal adjustments. Industry trends highlight theft prevention expectations, climate\u2011related comprehensive risks (hail, flood), and growing attention to EV component coverage (<a href=\"https:\/\/www.nicb.org\/prevent-fraud-theft\/motorcycle-theft\">NICB theft guidance<\/a>; <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\">NOAA billion\u2011dollar disasters<\/a>; <a href=\"https:\/\/www.iea.org\/reports\/global-ev-outlook-2024\">IEA EV Outlook<\/a>).<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>\u201cTo really make a motorcycle your own, you have to accessorize it. Foot pegs, hand warmers, chrome buttons, you name it, there\u2019s an accessory for that. If you have your bike customized at all, it\u2019s essential that your insurance covers those accessories. Without coverage for your accessories, if you were to wreck and they were damaged, insurance would only pay for the cost of the factory parts, and your investment in your accessories would be lost.\u201d<\/p><cite><br>Melanie Musson Insurance Expert, <a href=\"https:\/\/www.carinsurancecomparison.com\/\" target=\"_blank\" rel=\"nofollow\">CarInsuranceComparison.com<\/a><\/cite><\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\">Easy quote process<\/h4>\n\n\n\n<p>Most riders can quote online in minutes by entering bike details, rider info, and desired limits. Eligible discounts are applied in real time, and you can bind direct or via an independent agent. Progressive\u2019s Snapshot telematics program personalizes rates based on driving behavior, potentially lowering costs for safer habits, while risky patterns can raise rates (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\">Snapshot<\/a>). Digital servicing continues to expand across the industry \u2014 photo estimating, status tracking, and clear communication are now key satisfaction drivers (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-motorcycle-insurance-study\">J.D. Power motorcycle study<\/a>).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Uninsured\/underinsured motorist coverage<\/h4>\n\n\n\n<p>UM\/UIM helps protect you if an at\u2011fault driver has no insurance or not enough. It\u2019s especially relevant for riders because medical and legal costs can escalate quickly. Nationally, an estimated 14.0% of motorists were uninsured in 2022, with wide differences by state \u2014 a strong case for robust UM\/UIM limits (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\">Insurance Information Institute<\/a>).<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>\u201cInsurance laws vary by state, but one thing is certain \u2014 the rider cannot rely on the at-fault driver having adequate insurance in the event of an accident. State law minimum policy limits are $25,000\/$50,000 in South Carolina and many other states across the U.S. What this means is that one person can collect up to $25,000 maximum and the policy will pay $50,000 maximum for the whole accident. In the unfortunate event of a motorcycle accident, the emergency room bill alone is going to exceed a minimum policy.\u201d<\/p><cite><br>Justin Lovely Motorcycle Injury Lawyer in South Carolina and President-Elect of the <a href=\"https:\/\/namil-law.org\/\" target=\"_blank\" rel=\"nofollow\">National Academy of Motorcycle Injury Lawyers<\/a><\/cite><\/blockquote>\n\n\n\n<p>State rules vary: Kansas mandates UM\/UIM BI at 25\/50; New York requires UM BI 25\/50 and offers optional SUM (UIM) up to your liability limits; Illinois requires UM BI 25\/50 and UIM when you buy higher liability limits; Virginia now requires auto liability insurance for all registered vehicles (<a href=\"https:\/\/insurance.kansas.gov\/auto-insurance\/\">Kansas DOI<\/a>; <a href=\"https:\/\/www.dfs.ny.gov\/consumers\/auto_insurance\/uninsured_motorists_coverage\">NY DFS<\/a>; <a href=\"https:\/\/idoi.illinois.gov\">Illinois DOI<\/a>; <a href=\"https:\/\/www.dmv.virginia.gov\/vehicles\/insurance-requirements\">Virginia DMV<\/a>).<\/p>\n\n\n\n<p>Best practice in 2025: Target UM\/UIM limits that match your bodily injury liability limits (e.g., 100\/300 or 250\/500 when feasible), and consider stacking where allowed by state law. Progressive\u2019s guidance aligns with this approach (<a href=\"https:\/\/www.progressive.com\">Progressive UM\/UIM explainer<\/a>; <a href=\"https:\/\/www.insurance.pa.gov\/Coverage\/auto\/Pages\/Stacking.aspx\">PA stacking rules<\/a>).<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>\u201cIf I would give one piece of advice to someone purchasing motorcycle insurance, it would be to buy as much underinsured\/uninsured motorist coverage as you can afford. You don\u2019t want to rely on the person that hits you to have enough coverage. Make sure you insure yourself!\u201d<\/p><cite><br>Gabriel Levin <a href=\"https:\/\/www.levininjuryfirm.com\/philadelphia-motorcycle-accident-lawyer\/\" target=\"_blank\" rel=\"nofollow\">Personal Injury Lawyer<\/a> in Center City, Philadelphia<\/cite><\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\">Loyalty rewards<\/h4>\n\n\n\n<p>Progressive\u2019s loyalty benefits can include accident forgiveness tiers and long\u2011tenure perks, and bundling with auto\/home\/boat can unlock multi\u2011policy discounts. As with all insurers, verify the specific eligibility and availability in your state, and compare against competing carriers\u2019 loyalty and telematics programs to maximize value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Possible drawbacks<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Customer satisfaction rating<\/h4>\n\n\n\n<p>Independent studies show mixed satisfaction for large national carriers. J.D. Power\u2019s latest motorcycle and auto insurance studies highlight that price and claims experiences are dominant drivers, with many big brands scoring around segment averages depending on region. Check the most recent results and consult the NAIC Consumer Complaint Index to compare normalized complaints by company and line (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-motorcycle-insurance-study\">J.D. Power motorcycle<\/a>; <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power auto<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC Consumer Complaint Index<\/a>).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Coverage upgrades can be pricey<\/h4>\n\n\n\n<p>Advertised teaser prices (e.g., \u201c$75\/year\u201d) typically reflect bare\u2011bones liability and can exclude important protections like comprehensive, collision, and UM\/UIM. Since 2024, the motor vehicle insurance CPI has remained elevated as parts, labor, and medical severities increased, though there are signs of moderation in 2025. Shop multiple carriers and consider telematics and higher deductibles to help manage costs (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>; <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra 2025<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Competition<\/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_Progressive\">Progressive<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Farmers\">Farmers<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/?refer=Motorcycle_Markel\">Markel<\/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                        <\/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\/farmers-insurance-review\/\">Our review<\/a>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-5\">\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                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-motorcycle-insurance-study\" target=\"_blank\">J.D. Power 2018 U.S. Auto Claims Satisfaction Study score<\/a> (latest motorcycle study; satisfaction on a 1,000-point scale)<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              See latest study\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              See latest study\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              See latest study\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              See latest study\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>Customer complaints*<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              See NAIC index\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              See NAIC index\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              See NAIC index\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              See NAIC index\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              \u2714\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              \u2714\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              \u2714\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              \u2714\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_Progressive\" 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_Farmers\" 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_Markel\" 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                        <\/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\"><font color=\"#999999\"><font size=\"2\">*Customer complaints are registered by the <a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"nofollow\">NAIC<\/a> and measured relative to the company\u2019s market share.<\/font><\/font><\/p>\n\n\n<h3 class=\"wp-block-heading\">Progressive vs. Farmers Insurance<\/h3>\n\n\n\n<p>Progressive emphasizes direct online quoting, robust self\u2011service, and usage\u2011based pricing via Snapshot, while <a href=\"\/insurance\/motorcycle\/farmers-insurance-review\/\">Farmers<\/a> leans on agent guidance and its Signal telematics app. If you prefer digital speed and end\u2011to\u2011end online binding, Progressive typically makes it simpler; if you want agent advice and tailored bundling, Farmers\u2019 distribution can be appealing. Pricing has been volatile since industry\u2011wide increases in recent years, so quotes can shift; telematics enrollment can materially affect net premiums at both carriers (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\">Snapshot<\/a>; <a href=\"https:\/\/www.farmers.com\">Farmers Signal<\/a>; <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-digital-experience-study\">J.D. Power Digital Experience<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Progressive vs. Markel American<\/h3>\n\n\n\n<p><a href=\"\/insurance\/motorcycle\/quotes\/\">Markel<\/a> is a specialty carrier focused on motorcycles and other recreational vehicles. It offers niche coverages (e.g., tailored accessories limits, transport trailer and roadside options) and underwriting for powersports and collector segments, which can be advantageous for highly customized or specialty bikes. Progressive, as the largest U.S. motorcycle insurer, balances specialty breadth with mass\u2011market digital tools. Because pricing depends heavily on bike type, customization, location, and usage, compare both for identical limits and deductibles (<a href=\"https:\/\/www.markelinsurance.com\/motorcycle\">Markel motorcycle<\/a>; <a href=\"https:\/\/www.progressive.com\/motorcycle\/\">Progressive motorcycle<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Progressive vs. Safeco<\/h3>\n\n\n\n<p><a href=\"\/insurance\/motorcycle\/quotes\/\">Safeco<\/a> sells through independent agents and offers strong bundling options and a telematics program (RightTrack) for safe drivers. Progressive\u2019s hybrid distribution lets you quote and manage policies digitally or via agents, with Snapshot available for behavior\u2011based pricing. Given the recent stabilization in some markets after steep rate hikes, it\u2019s smart to compare multi\u2011policy packages and UBI discounts side by side, especially if you value agent consultation versus direct digital control (<a href=\"https:\/\/www.safeco.com\">Safeco RightTrack<\/a>; <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power auto study<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Progressive Motorcycle Insurance FAQ<\/h2>\n\n\n<div id=\"block_401a46c213f13\" 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 bundle motorcycle 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>Yes. Progressive is an excellent option for those looking to bundle their motorcycle insurance with other lines of insurance. The company\u2019s multi-policy discount saves you money when you bundle your auto, home, renters, condo, car, or boat insurance.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_63074a6b65527\" 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\">How much is Progressive motorcycle 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>Premiums vary widely by state, bike, rider profile, and chosen limits. Advertised entry prices (e.g., $75\/year) generally reflect minimum-liability policies only. Adding comprehensive, collision, and higher liability or UM\/UIM limits will increase the price. Given recent industry price pressures \u2014 as reflected in the motor vehicle insurance CPI \u2014 compare multiple quotes and consider telematics to personalize pricing (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_ea58a6aee0266\" 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 Progressive motorcycle insurance cover theft?<\/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>Theft is covered when you purchase optional comprehensive coverage. Comprehensive and collision are not part of basic liability; they are add-ons that pay for non-collision damage (e.g., theft, fire, hail) and at-fault collision damage to your bike, respectively. Verify deductibles and accessories limits when selecting coverage (<a href=\"https:\/\/www.progressive.com\/motorcycle\/\">Progressive motorcycle<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"bottom\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Progressive is widely recognized \u2014 by its own filings and industry sources \u2014 as the No. 1 U.S. motorcycle insurer, combining specialty coverage depth (OEM parts, high accessories limits) with strong digital tools. Just remember that headline prices typically reflect minimum liability; adding comprehensive, collision, and higher UM\/UIM limits (a best practice many riders follow by matching UM\/UIM to their liability limits) will raise the premium. Given recent pricing dynamics, compare quotes across several carriers and consider telematics to tailor costs, then choose limits that reflect your medical and liability exposures (<a href=\"https:\/\/investors.progressive.com\/financials\/sec-filings\/default.aspx\">Progressive filings<\/a>; <a href=\"https:\/\/www.progressive.com\">UM\/UIM guidance<\/a>; <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Progressive Motorcycle Insurance Review Progressive is a major U.S. personal lines insurer with a leading position in motorcycles. Founded in 1937, the company pioneered direct-to-consumer innovations and today identifies itself as America\u2019s No. 1 motorcycle insurer, a status supported by its latest SEC filings and rating-agency commentary. Progressive\u2019s special lines segment (which includes motorcycles) reported [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":340903,"parent":1768,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.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>Progressive Motorcycle Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"Not only is Progressive an industry leader when it comes to auto insurance, but its range of motorcycle coverage is also top-notch.\" \/>\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\/progressive-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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