The Best Motorcycle Insurance Companies (2025)

Progressive has the best motorcycle insurance for most people. It offers extra coverage and reliable customer service at an affordable rate. A full coverage policy from Progressive costs around $23 per month. That's $10 per month cheaper than average.

Progressive includes $3,000 of coverage for custom parts, upgrades and customizations when you get collision and comprehensive coverage. This means your policy covers things like a custom saddle or stereo. And you can pay extra to raise the limit up to $30,000 if needed.

In addition, Progressive will replace any original or custom parts on your bike with the same or better parts. This is called original equipment manufacturer (OEM) coverage.

Progressive gets 35% fewer complaints compared to an average company of the same size. . That means you can count on Progressive to fix your bike quickly after an accident.

However, Progressive doesn't offer rental reimbursement coverage for motorcycles. You may want this coverage if you don't have another vehicle or if you ride your bike every day.

On average, policies cost $25 per month, with rates as low as $14 per month in some states. That makes Dairyland a great choice for low-cost motorcycle insurance.

Dairyland customers can add on roadside assistance and rental reimbursement coverage at an extra cost. These coverages make it a great choice for riders who use their motorcycle as their main vehicle.

In addition, Dairyland will pay to fully restore or replace your motorcycle after a crash like it's brand new if it's less than three years old. This is usually called new vehicle replacement or replacement cost coverage. Many other companies have a mileage limit or set a one-year cap on full replacement coverage.

Riders aren't thrilled with the service they get from Dairyland, though. It gets 60% more complaints than an average insurance company its size. If you're in an accident, it may take longer to settle your claim with Dairyland compared to other companies.

Full coverage Harley-Davidson motorbike insurance costs just $24 per month, on average. That's $9 per month cheaper than the national average, making it one of the most affordable motorcycle insurance companies. In addition, it offers 13 discounts to help you lower your motorcycle insurance rates.

Harley-Davidson also has lots of coverage add-ons to help you customize your motorcycle insurance policy. Options include roadside assistance, rental reimbursement coverage, vacation rental coverage and custom equipment coverage.

The main downside to Harley-Davidson insurance is that it doesn't sell car, home or cheapest renters insurance policies. If you need to protect another vehicle, your home or your belongings, you'll have to get a policy from a different company. That can be inconvenient, especially if you have a major emergency, like a fire that damages both your home and bike.

Young bikers on a budget may find this helpful. In comparison, many companies require you to pay your annual rate in full upfront. However, you'll probably have to pay Geico a small fee for each installment.

Geico's motorcycle insurance isn't typically the cheapest option. The average cost of a full coverage policy is $36 per month. That's $3 per month more than the national average. But Geico lets you lower your insurance costs with a number of discounts. For example, young riders who take a Motorcycle Safety Foundation or Military Safety Course get a 10% discount.

Geico motorcycle insurance allows you to customize your coverage to meet your needs. That means policies don't automatically include extra coverage young riders may not need. However, it doesn't offer some popular upgrades, like original equipment manufacturer (OEM) coverage.

USAA doesn't offer motorcycle insurance directly. It refers its members to Progressive, one of the best companies for motorcycle insurance.

Progressive offers a 5% discount to USAA members, making its coverage even more affordable. On average, a full coverage Progressive policy costs $22 per month after the USAA discount.

USAA also offers motorcycle loans and financing for up to 100% of the value of your new bike. That makes it a one-stop shop for people looking to buy a new motorcycle.

Besides motorcycles, USAA also sells insurance for ATVs, mopeds and scooters.