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6 Best Motorcycle Insurance Companies

Jodie Price

By Jodie Price | Updated October 3, 2025

Finding the right motorcycle insurance can feel daunting, but the best options balance reliable protection with fair premiums. Strong policies include essential coverage like liability, collision, and personal injury, along with flexible features and discounts. By comparing rates and benefits, you can choose a plan that protects both you and your bike without overspending.

  • Foremost

    Named as the “Best Overall,” Foremost stands out for its very low complaint level and nationwide availability across all 50 states and Washington, D.C. Despite a collision repair grade of C, the company’s accessibility and high customer satisfaction make it a top choice for reliable motorcycle insurance.

    Our Expert Take

    Foremost stands out for its wide motorcycle insurance coverage, extending beyond standard bikes to include cruisers, touring models, scooters, and mopeds. This versatility makes it appealing if you own multiple motorcycles. It also features a strong discount program and maintains a low complaint level, signaling dependability and rider-focused service.

    The company provides useful add-ons such as custom parts coverage and trip interruption protection. These options are great if you’ve added aftermarket parts to your motorcycle or want financial protection for unexpected travel issues, enhancing standard coverage.

    Backed by Farmers Insurance Group, Foremost offers financial strength and a reliable claims process. This connection gives riders peace of mind and access to a reliable support network for stability and trusted service when they need coverage.

    Pros & Cons

    Pros

    • Wide coverage options including guest passenger liability coverage
    • Specialized protections for custom parts and accessories
    • Discounts for safe riders and multiple policies
    • Backed by a large, financially stable parent company

    Cons

    • Premiums may be higher than smaller insurers
    • Not available in every state
    • Some discounts depend on strict eligibility requirements
    • Fewer online tools compared to top digital-focused insurers

    More Details

    Foremost provides motorcycle insurance for bikes, including cruisers, sport, touring, trikes, dirt bikes, vintage, and custom models. Beyond standard protections, it offers accident forgiveness, diminishing deductibles, helmet and safety apparel coverage, and optional equipment protection. Riders can also add towing, roadside assistance, rental motorcycle coverage, and transport trailer protection of up to $10,000.

    Policies are divided into Saver, Plus, and Elite tiers, letting riders choose coverage that fits their needs and budget. Higher-tier plans may include benefits like trip interruption, track day coverage, extended new vehicle replacement, and personal effects protection. Foremost partners with AARP to provide senior riders benefits like free theft-deterrent DNA+ coding.

    Discounts further enhance affordability, with savings available for advance purchase, locked storage, safety courses, and multi-vehicle or multi-policy bundles. Seasonal riders can benefit from lay-up discounts, while loyalty and prior insurance savings reward long-term customers. This flexibility makes Foremost appealing for those seeking to balance comprehensive coverage with cost-conscious options.

  • American Family

    Named as the “Best for Low Level of Complaints,” American Family is recognized for its very low complaint level, reflecting strong customer satisfaction. It holds a C+ collision repair grade and is available in 19 states, making it a solid choice if you live in one of its coverage areas.

    Our Expert Take

    American Family is a good choice if you already have auto or home insurance with them, as bundling can save you money. Their digital tools also simplify managing coverage, making it easy to handle everything in one place.

    Their motorcycle regional coverage may not be as extensive as some national providers, but it still offers reliable protection for most riders. The company has one of the lowest levels of complaints among insurers reviewed, showing consistency in service.

    If you want convenience and value from bundling policies, American Family is worth considering. It offers a mix of reliable coverage, discounts, and accessible tools, particularly if you live in one of the states where it operates.

    Pros & Cons

    Pros

    • Strong savings when bundling with auto or home insurance
    • Multiple coverage options for different rider needs
    • Digital tools for policy management and claims tracking
    • Good reputation for customer service in many regions

    Cons

    • Limited nationwide reach compared to larger insurers
    • Fewer specialized add-ons for motorcycles than niche providers
    • Some reports of slower claims processing in certain areas

    More Details

    American Family provides motorcycle insurance for cruisers, sport bikes, touring models, mopeds, and scooters. Coverage options include accident forgiveness, deductible waivers, gap protection, new vehicle replacement, and up to $30,000 for custom parts. Riders can also add roadside assistance, trip interruption, and safety apparel protection, creating flexible policies for a wide range of needs.

    Affordability is a key advantage, thanks to multiple discounts. Riders can save through loyalty rewards, multi-policy and multi-motorcycle bundles, or by completing a motorcycle safety course. Additional savings may apply for early signing, good driving records, or selecting specific payment plans, though availability often depends on state regulations.

    American Family maintains a strong reputation with consistently low complaint levels, making it a reliable choice for riders. Its combination of broad coverage and significant discounts attracts both casual riders wanting basic protection and experienced motorcyclists seeking comprehensive, long-term value.

  • Erie

    Named as the “Best for Collision Repair,” Erie stands out with a strong A- collision repair grade, giving riders confidence in repair quality. It maintains a low complaint level, reflecting positive customer experiences, though availability is limited to 12 states and Washington, D.C.

    Our Expert Take

    Erie is highly regarded for customer service and claims handling, consistently earning strong satisfaction scores in the regions it serves. It has a long history in the insurance market and offers dependable support, making it a trusted choice for many riders. Its collision repair process even received the highest grade (A-) among evaluated companies.

    A key benefit of Erie is its rate lock, which prevents your motorcycle insurance premium from rising annually as long as you keep your coverage active. This can provide valuable cost stability, especially if you bundle with an auto policy.

    Erie may not be available in every state, but it offers affordable and reliable insurance where it does operate. For riders in its coverage area, it’s a smart choice if you want both strong claims service and predictable rates.

    Pros & Cons

    Pros

    • Strong customer service ratings
    • Competitive pricing compared to national averages
    • Wide range of coverage options for motorcycles
    • Discounts available for multiple policies and safe driving

    Cons

    • Limited availability, not offered in all states
    • Fewer online tools compared to larger national insurers
    • May require working directly with an agent for quotes and policy changes

    More Details

    Erie offers motorcycle insurance for a wide range of bikes, including cruisers, touring models, sport bikes, mopeds, and scooters. This flexibility makes it a good fit if you own multiple types of motorcycles or smaller vehicles.

    Coverage options include accident forgiveness, custom equipment protection, roadside assistance, and safety apparel coverage. Erie offers strong core protections, though its range isn’t as wide as some competitors. Higher limits can be added when necessary.

    Discounts are somewhat limited but can still help lower costs. You may qualify for a claims-free discount, multi-policy savings, or a pay-in-full discount. Riders with clean driving records or those bundling policies can maximize value while keeping their premiums manageable.

  • Progressive

    Named as the “Best for Military Members,” Progressive offers nationwide availability across all 50 states and Washington, D.C., making it widely accessible. It holds a low complaint level, though its collision repair grade is only a C, which is worth noting for riders concerned about repair quality.

    Our Expert Take

    Progressive stands out for its flexible motorcycle insurance options, offering both liability-only and comprehensive plans with add-ons like collision coverage. Riders can tailor policies to their needs, whether insuring a standard bike or a more valuable model.

    Nationwide availability and an easy-to-use online platform make it simple to get quotes, file claims, and adjust coverage anytime. The company has a solid reputation for balancing affordability and protection, though claims experiences can vary by region.

    Progressive also offers a wide selection of discounts, making it easier to keep premiums manageable. A partnership with USAA provides an additional 5% discount for eligible members, which adds even more value.

    Bundling is another strength, as Progressive allows you to combine motorcycle insurance with auto, home, or renters coverage. This not only simplifies managing policies under one provider but also helps reduce overall insurance costs.

    Pros & Cons

    Pros:

    • Wide range of coverage options, including custom parts and accessories
    • Discounts for safe riders, homeowners, and bundling policies
    • Strong online tools for quotes, claims, and policy management
    • Coverage available for many types of motorcycles

    Cons:

    • Rates may be higher for younger or high-risk riders
    • Customer service satisfaction varies by state
    • Some discounts are not available in all areas

    More Details

    Progressive covers nearly every motorcycle type, including cruisers, touring bikes, dirt bikes, scooters, mopeds, and even vintage or custom models. Its broad scope makes it ideal for riders with multiple or specialty bikes. Policies are flexible, letting you begin with basic liability and expand to more comprehensive coverage with optional add-ons.

    Coverage extends beyond collision and comprehensive, offering accident forgiveness, custom equipment protection, roadside assistance, and trip interruption. Riders can also choose full replacement cost coverage, OEM parts protection, and diminishing deductibles. These extras provide peace of mind and allow bikers to customize policies for both their motorcycles and accessories.

    Progressive stands out for its extensive discount programs. Riders can save through safe driving, experience-based reductions, early quotes, automatic payments, or completing safety courses. Bundling motorcycle insurance with auto or home coverage can lead to additional savings, making Progressive a cost-effective choice for convenience and financial benefits.

  • Allstate

    Considered “Great for Discounts,” Allstate is available nationwide across all 50 states and Washington, D.C., making it accessible to most riders. It has a low complaint level, though its collision repair grade of D+ is below average compared to competitors.

    Our Expert Take

    Allstate offers motorcycle insurance that’s available nationwide, with flexible policies to cover a wide variety of bikes including cruisers, touring motorcycles, and sport bikes. Riders can also add useful extras such as roadside assistance and accident forgiveness, which provide added peace of mind when things don’t go as planned.

    A major strength of Allstate is its large selection of discounts, helping riders save based on their driving record, bundling policies, or safety course completion. Quotes are easy to obtain online, and support is available through both digital tools and local agents, giving you flexibility in how you manage your coverage.

    While Allstate’s claim repair process has received lower marks compared to some competitors, the extensive coverage options and strong discount offerings help balance that drawback. Premiums can vary based on age and location, but many riders find Allstate practical due to its availability, features, and savings.

    Pros & Cons

    Pros:

    • Wide coverage options, including custom parts and equipment
    • Local agents available in many areas
    • Multiple discounts for safe riders and policy bundling
    • Roadside assistance available as an add-on

    Cons:

    • Premiums may be higher than some competitors
    • Discounts vary by state, limiting availability
    • Some riders report slower claims processing compared to smaller insurers

    More Details

    Allstate insures a broad range of motorcycles, from cruisers and sport bikes to scooters, mopeds, and vintage models. In addition to liability, collision, and comprehensive coverage, policies may offer accident forgiveness, custom equipment protection, rental reimbursement, safety gear coverage, towing, and trip interruption. These add-ons give riders stronger protection for both their bikes and accessories.

    Discount opportunities with Allstate are extensive. Riders can save by bundling policies, insuring multiple motorcycles, or joining a motorcycle association. Additional discounts apply for safety course completion, clean riding records, paying in full, or enrolling in automatic payments.

    Allstate balances flexible protection with nationwide availability. Its combination of online tools and local agent support makes it easy to manage policies while keeping costs down. With broad features and strong discounts, Allstate is a practical option for riders seeking customizable coverage backed by reliable service.

  • Nationwide

    Named as the “Best for Safety Gear Coverage,” Nationwide offers motorcycle insurance across 46 states and Washington, D.C., giving riders broad accessibility. It maintains a low complaint level, though its collision repair grade is rated at C, which is average compared to competitors.

    Our Expert Take

    Nationwide offers motorcycle insurance that balances affordability with dependable claims service, supported by its strong financial stability. Policies include standard protections like liability, collision, and comprehensive, along with extras such as roadside assistance and custom parts coverage, making it easy to tailor coverage to your riding needs.

    One standout feature is its generous safety gear coverage, which provides up to $2,000 for helmets, boots, and other protective equipment, far more than many competitors that cap at $500.

    Nationwide also provides multiple discounts, from bundling with auto or home insurance to savings for safe riding. Combined with its low complaint levels, these perks make it a cost-effective and reliable option for many riders.

    Pros & Cons

    Pros:

    • Wide network and financial stability
    • Coverage for different motorcycle types
    • Multiple discounts, including bundling with auto or home
    • Optional add-ons for custom equipment and roadside help

    Cons:

    • Not always the cheapest for younger riders
    • Fewer digital tools compared to some competitors
    • Availability of discounts may vary by state

    More Details

    Nationwide offers motorcycle insurance for a wide range of bikes, including cruisers, sport bikes, dirt bikes, trikes, vintage motorcycles, scooters, and electric bikes. Coverage can be tailored with options such as custom parts protection, new vehicle replacement, roadside assistance, and trip interruption. Safety gear coverage is generous, offering up to $2,000 under collision insurance.

    Riders can also benefit from discounts that help reduce premiums. These include savings for completing a motorcycle safety course, insuring multiple vehicles, or bundling with Nationwide auto or home insurance. Additional discounts are available for safe riders, anti-theft devices, advance quotes, and paying in full.

    This flexibility makes Nationwide appealing for riders who want both robust protection and opportunities to save. With strong financial backing and competitive coverage options, it’s a solid choice for motorcycle owners seeking reliability and value.

Frequently Asked Questions

What factors should I consider when choosing a motorcycle insurance provider?

Look at the company’s financial strength, claims process, and customer service reputation. You should also review coverage options like liability, collision, and comprehensive. Check if the insurer provides multi-policy or safe rider discounts to reduce your premium by bundling policies or having a clean driving record.

How do I compare rates for full coverage motorcycle insurance?

To compare motorcycle insurance fairly, request quotes from several companies with the same coverage levels. Review deductibles and optional add-ons, such as roadside assistance, to understand the full cost. Bundling with auto or homeowners insurance can also unlock discounts, helping you lower premiums while maintaining strong protection.

Which insurance companies offer the best policies for young motorcycle riders?

Young riders often face higher premiums due to limited experience. Some insurers provide discounts for completing safety courses or maintaining good grades. Companies offering flexible coverage and safe rider discounts can be more affordable for younger riders seeking full protection without high rates.

What are the benefits of choosing a nationwide insurance provider for my motorcycle?

A nationwide provider gives you consistent coverage across state lines, which is useful if you travel or move. It also makes it easier to manage policies if you already have auto or homeowners insurance with the same company. Bundling your motorcycle coverage with other policies can unlock multi-policy discounts, saving you money each year.

How can I find the most affordable motorcycle insurance rates in California?

In California, motorcycle insurance costs vary by riding history, location, and bike type. You can save by comparing quotes, choosing insurers with bundling or safe rider discounts, and completing a motorcycle safety course. These steps help reduce premiums while keeping your coverage strong.