Top Best Motorcycle Insurance to Consider in 2018

In most states in the U.S., motorcycle insurance is required. But regardless of local laws, you – as a motorcyclist should purchase a policy to protect you, your bike as well as financial well-being.


Ride a motorcycle? Insurance is essential! The thrill of the open road is what draws motorcycle enthusiasts. As appealing as motorcycling is, it is not without its unique risks. Motorcycles are more likely to be involved in a crash that causes death or injury and motorcyclists are susceptible to sustaining serious injuries when involved in any collision - injuries can be very serious even with helmets and protective gear.

This is why having the proper protection against large financial losses caused by physical injuries, property damage and more through the best motorcycle insurance coverage in place is crucial. You need a company that understands the unique risks of motorcycle accidents and the consultants to help you find a great deal to suit your circumstances. To help, we have compiled a list of some of the best motorcycle insurance companies currently on the market.

Best Motorcycle Insurance Overall: Progressive

The country’s third-largest auto insurance provider carries motorcycle insurance as an endorsement, or addition, to your auto policy if you have one. With claims of $500 or less not count against your record, and rates staying the same, Progressive has a fair price for insurance - not the cheapest, but significantly less than the highest making it an outstanding cheap choice for most motorcycle riders. Rated 3.5 stars out of 5 by J.D. Power for their claims satisfaction, customer service, and shopping satisfaction and A+ (Superior) by A.M. Best, Progressive earns the 1st place in the ranking of the best motorcycle insurance companies for overall performance.

Best Cheap Motorcycle Insurance: GEICO

The second largest provider of auto insurance in the U.S., the Maryland-based insurance company of GEICO has a long-standing reputation for providing property, vehicle, and casualty insurance products and service since 1936. Not until 1978 did GEICO begin offering motorcycle insurance. And by giving you big protection without a big price, GEICO Motorcycle insurance has become one of the leading motorcycle insurances in the country.

Offering the cheapest motorcycle insurance quotes in some of the states with the most motorcycle riders, including Florida and California together with several discounts, including for experienced, older drivers and for renewing your motorcycle policy with the insurer, GEICO Motorcycle insurance, underwritten by GEICO Indemnity Company is the best choice for anyone searching for cheap motorcycle insurance whether you are a weekend warrior seeking adventure, a hard-core motorcyclist or you are just looking for a way to get around town.

Best Motorcycle Insurance for U.S. Military Members and Their Families: USAA

USAA Insurance (United Services Automobile Association) has been providing a variety of insurance products and offering several discount options to members of the US military and their families since the 1920s. In spite of the roundabout method of getting coverage (USAA doesn't offer motorcycle insurance directly, but refers its members to Progressive), USAA Insurance is currently considered a top-notch provider of motorcycle insurance in the country.

Those who sign up for a Progressive motorcycle insurance policy through USAA will have an outstanding option for your motorcycle insurance coverage with this “A++” Superior A.M. Best rated insurance company and an access to good numbers of military-specific discounts.

Not only limited to motorbikes, the USAA's motorcycle insurance also offers coverage for other vehicles like mopeds, scooters, and ATVs – they are all designed to meet the needs of motorcycle owners. All of those benefits are not fully explained unless you become a member of USAA’s membership base of over 8 million with net worth or over $19 billion.

Best Motorcycle Insurance for the Motorcycle Enthusiast: Markel

Striking the best balance between affordability, great coverage, and financial stability, Markel Motorcycle Insurance, which has been providing bikers with custom-tailored insurance packages for more than 40 years, has something going for it that the other insurance companies on this list cannot claim.

Why is Markel is great for motorcycle enthusiasts? Because it offers multiunit discounts and provides insurance policies for a wide array of motorcycle types including cruisers, scooters/mopeds, dirt bikes, sport bikes, sport-touring bikes, touring motorcycles, big twins, street bikes, trikes, and other custom motorcycles making it possible to select the policy options that best suit you and your motorcycle.

Best for Young Drivers: Allstate

Offering excellent coverage options and outstanding policy discounts - some of the best policy coverage in the industry, Allstate - the 2nd largest personal lines insurer in the U.S. is gradually emerging as a leader.

Best does not mean “the cheapest” as a low rate isn’t all that matters when it comes to insurance. Our top picks are just a great place to start your search but you have to compare quotes to find the best deals.

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