The Best Insurance Companies for Motorcycle Owners in 2025
Riding a motorcycle offers unparalleled freedom and excitement. However, with this thrill comes the responsibility of ensuring both rider and bike are adequately protected. Choosing the right insurance is crucial for peace of mind on the road. In 2025, several insurance companies stand out for their exceptional coverage, affordability, and rider-focused benefits. Here’s a comprehensive look at the top motorcycle insurance providers to consider.
1. Progressive: Leading the Pack
Why Choose Progressive?
- Comprehensive Coverage Options: Progressive offers a wide range of policies tailored to various motorcycle types, including cruisers, sport bikes, touring bikes, and even custom and vintage motorcycles. Their coverage includes bodily injury and property damage liability, uninsured/underinsured motorist protection, comprehensive and collision coverage, and medical payments.
- Specialized Protections: Riders can benefit from full replacement cost coverage without depreciation for parts, ensuring that in the event of a claim, parts are replaced with new ones. Additionally, Progressive provides coverage for accessories and custom parts, acknowledging the personal touches many riders add to their bikes.
- Attractive Discounts: Progressive rewards safe riding and customer loyalty. Discounts are available for bundling multiple policies, maintaining a clean driving record, completing approved safety courses, and even for paying premiums in full upfront.
- Financial Stability: With an A+ (Superior) rating from AM Best, Progressive demonstrates strong financial health, assuring policyholders of its reliability.
Considerations:
While Progressive offers extensive benefits, some discounts may not be available in all states. It’s essential to consult with an agent to understand the specific offerings in your area.
2. GEICO: Best for Daily Riders
Why Choose GEICO?
- Competitive Pricing: GEICO is renowned for its affordable premiums, making it an excellent choice for riders who use their motorcycles regularly. Their flexible payment plans cater to various budgets, ensuring that daily riders can find a policy that fits their financial needs.
- Robust Coverage: GEICO provides standard coverage options, including liability, collision, and comprehensive policies. They also offer additional protections such as accessory coverage for custom parts and equipment, ensuring that modifications and personalizations are safeguarded.
- User-Friendly Experience: With a highly-rated mobile app and website, GEICO allows policyholders to manage their insurance seamlessly. Features include easy policy updates, quick claims filing, and access to digital ID cards, enhancing convenience for riders on the go.
- 24/7 Customer Support: GEICO’s round-the-clock customer service ensures that assistance is always available, whether you need to file a claim or have questions about your policy.
Considerations:
While GEICO offers extensive coverage, some discounts and policy options may vary by state. It’s advisable to review the specific terms and benefits applicable in your location.
3. Harley-Davidson Insurance: Tailored for Enthusiasts
Why Choose Harley-Davidson Insurance?
- Specialized Coverage: Designed with motorcycle enthusiasts in mind, Harley-Davidson Insurance offers policies that cater to the unique needs of riders. Coverage options include comprehensive and collision protection, liability coverage, and uninsured/underinsured motorist coverage.
- Generous Accessory Coverage: Recognizing the importance of customization, policies include coverage for custom parts and accessories, ensuring that your bike’s unique features are protected.
- Exclusive Discounts: Members of the Harley Owners Group (H.O.G.) can benefit from additional savings. Discounts are also available for experienced riders, those who have completed safety courses, and individuals who insure multiple bikes.
- Financial Strength: Underwritten by Sentry Insurance, which holds an A+ (Superior) rating from AM Best, Harley-Davidson Insurance combines brand-specific expertise with financial reliability.
Considerations:
Harley-Davidson Insurance is not available in Alaska, Hawaii, or Washington, D.C. Additionally, while they offer extensive coverage, policies are underwritten and administered by a third party, which may be a consideration for some riders.
4. Allstate: Best for Custom Coverage
Why Choose Allstate?
- Flexible Policy Options: Allstate provides a variety of coverage choices, allowing riders to customize policies to fit their specific needs. This includes standard protections like liability, collision, and comprehensive coverage, as well as options for custom parts and equipment.
- Rider Protection Package: This unique offering covers expenses related to motorcycle accidents, including medical costs and lost income, providing an extra layer of security for riders.
- First Accident Waiver: Allstate offers a First Accident Waiver, ensuring that your rates won’t increase after your first at-fault accident, which can be a significant benefit for riders concerned about potential premium hikes.
- Local Agent Support: With a vast network of local agents, Allstate ensures personalized service, helping riders navigate their coverage options and claims process with ease.
Considerations:
Some coverage options and discounts may not be available in every state. It’s essential to consult with a local Allstate agent to understand the specific offerings in your area.
5. Dairyland: Affordable Coverage Options
Why Choose Dairyland?
- Budget-Friendly Policies: Dairyland is known for offering competitive rates, making it an attractive option for riders seeking affordable motorcycle insurance without compromising on essential coverage.
- Comprehensive Coverage Choices: Beyond standard liability, collision, and comprehensive policies, Dairyland provides options like roadside assistance and rental reimbursement, ensuring riders are well-protected in various situations.
- Flexible Payment Plans: Understanding that financial flexibility is crucial, Dairyland offers multiple payment options, allowing policyholders to choose plans that align with their budgeting preferences.
- Specialized Coverage for Various Bikes: Whether you ride a cruiser, sport bike, touring bike, or even a custom-built motorcycle, Dairyland offers tailored policies to meet the specific needs of different bike types.
Considerations:
While Dairyland provides extensive coverage options, some specialized coverages may come at an additional cost. It’s important to review policy details to ensure all desired protections are included.
6. USAA: Best for Military Members
Why Choose USAA?
- Exclusive Membership Benefits: USAA offers insurance solutions tailored for military members, veterans, and their families, providing specialized coverage options that cater to the unique needs of those who serve.
- Competitive Rates: Recognizing the sacrifices of military personnel, USAA provides affordable premiums and various discounts, ensuring that members receive valuable coverage without undue financial burden.
- Comprehensive Coverage Options: USAA offers a range of protections, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage, ensuring that members are well-protected on the road.
- Exceptional Customer Service: With a reputation for outstanding customer support, USAA ensures that members receive prompt and efficient assistance, whether they’re managing policies or filing claims.
Considerations:
USAA’s insurance products are exclusively available to military members, veterans, and their eligible family members. Those without military affiliation would need to consider alternative providers.
Choosing the Right Insurance for You
Selecting the ideal motorcycle insurance involves assessing your individual needs, riding habits, and financial considerations. Here are some steps to guide your decision:
- Evaluate Your Coverage Needs: Consider factors such as how often you ride, where you ride, and the type of motorcycle you own. This will help determine the level of coverage required.
- Compare Quotes: Obtain quotes from multiple insurers to compare premiums, coverage options, and discounts. This ensures you get the best value.