Best Motorcycle Insurance for 2024

Motorcycles are wonderfully fast, incredibly fun vehicles. They can also be pretty expensive to purchase and maintain. Insuring your fancy ride is a necessity. We took a look at the best motorcycle insurance to help you get the most coverage at the best price. Let's get going.

See our overall recommendations for Best Car Insurance

Top Recommendations for Best Motorcycle Insurance

GEICO

Geico is well known for its adorable and memorable gecko mascot, and for being a solid choice for insurance for auto, motorcycle, home, RV and more. Their plans are highly customizable, to meet the unique needs of the consumer including coverage for accessories and extensive discounts. They are a little smaller than some of the bigger, more prominent companies in the game, but they maintain a great track record in the industry.

Pros and Cons

Progressive

Progressive is one of the largest names in the insurance industry. This company also has memorable commercials and maintains a good reputation for longevity and multi-policy coverage options. This company has an incredibly wide range of policies available for all sorts of motorcycles on the market. They also offer many discounts and a healthy accident forgiveness option.

Pros and Cons

Dairyland

Dairyland is not as vast an operation as some of the players on this list. However, they are a mighty force in motorcycle insurance, and deserve to be mentioned here. They get excellent customer reviews and are widely known to be a great company to work with. They insure all sorts of bikes, including smaller CC engines like scooters and mopeds. Their policies offer roadside assistance as a standard feature, and they have a diminishing deductible program which is very popular.

Pros and Cons

Harley-Davidson

We would be remiss if we did not mention Harley-Davidson insurance coverage for motorcycles. While the coverage offered here is not cheap, it is incredibly thorough. This company specializes in motorcycle insurance, so of course, it is going to be noteworthy. The company offers discounts for members of law enforcement and the military. They also offer accident forgiveness programs and a slick website for quotes and claims.

Pros and Cons

How Much Does Motorcycle Insurance Cost?

We attempted to get quotes from all of the major motorcycle insurers, but there are several that just don’t offer enough coverage across the country. For example Rider provides insurance specifically for motorcycles, but they’re only available in a handful of states. Dairyland provides coverage in 34 states, which was our minimum for “nationwide” coverage.

GEICO is generally your best bet. But it pays to shop around. Take your time, come prepared with what coverage you're looking for and do the research on what policy will work best for you and your needs.

Our Methodology

We sampled information from a number of sources and developed a range of what motorcycle insurance should cost. We based these samples on a rider with at least a decade of motorcycle experience, a clean driving record, riding a relatively basic motorcycle: A 2018 Honda ST1300. We based the coverage in Massachusetts because it’s where we’re from.

NEWS FLASH: It snows in Massachusetts, and when it’s not snowing, it’s cold and rainy. This might be why the insurance cost is lower here than it might be in a place like Florida or sunny Southern California. Chances are, you’re not riding your Honda ST1300 to work in Boston in February. You might be doing that in San Diego.

We also focused on JUST the cheapest motorcycle insurance, adhering to the state minimum requirements, which we’ve detailed further down the article. Depending on your state, your rates may be higher or lower.

The important thing to remember is that insurance rates can vary widely, and prices can change almost daily. This range is only a GUIDE to give you a basic idea about the rates insurance companies charge motorcyclists today.

DISCLAIMER: There are numerous other factors that are going to impact the cost of insurance on your motorcycle.

What Are The Coverage Limits By State?

Motorcycle Insurance is required by law in most states, except for Iowa, Michigan, and New Hampshire. In all 50 states, there are coverage limits to understand for Bodily Injury Liability -- both per person and per accident, and Property Damage Liability. Here’s how those limits break out by state:

Read more about our picks for the Best Motorcycle Shipping Companies here.

Read more about Best Cheap Motorcycle Insurance here.