Reviews Report

• Current market research consistently cites Progressive and GEICO among the most widely recommended options for affordable, broad-availability motorcycle insurance, with specialty carriers like Dairyland, Markel and Foremost often favored for higher-risk or niche bikes; agent-centric brands such as State Farm, Allstate and Nationwide remain strong for bundlers and local service (Forbes Advisor; NerdWallet; Bankrate; The Zebra).
• Discounts that commonly lower motorcycle premiums in 2025 include multi‑policy/bundling, multi‑vehicle, safety/defensive‑driving courses, anti‑theft/ABS equipment, and increasingly telematics/usage‑based programs plus payment/paperless savings (see carrier discount programs from Progressive, Allstate, Liberty Mutual, USAA, GEICO, and the Insurance Information Institute).
• Most major insurers advertise approved motorcycle safety course discounts and other savings, but amounts and availability vary by state; always compare multiple like‑for‑like quotes to capture differences in underwriting appetite and discount stacking (Forbes Advisor; Bankrate cost research; ValuePenguin).

The best cheap motorcycle insurance balances cost with coverage fit. Recent comparisons emphasize requesting quotes from at least three to four carriers — include a mix of broad-market options (e.g., Progressive, GEICO) and a specialty carrier (e.g., Dairyland, Markel or Foremost) to capture different underwriting appetites (Forbes Advisor; NerdWallet). Typical full‑coverage policies for standard‑risk riders often land around $600–$900 per year nationally (about $50–$75/month), with wide variation by state, bike type and history (ValuePenguin; Bankrate). Rates have faced upward pressure alongside elevated motor‑vehicle insurance inflation, so compare like‑for‑like coverages and deductibles to find best value (BLS CPI: Motor vehicle insurance).

The 6 Best Cheap Motorcycle Insurance Companies

• Nationwide: Competitive pricing and a solid discount menu in many regions; good fit for mainstream riders and bundlers (Bankrate).
• Liberty Mutual: Strong digital tools and savings options like RightTrack telematics and multi‑policy, with availability varying by state (Liberty Mutual discounts).
• Safeco: Robust roadside assistance and trip‑interruption options; part of Liberty Mutual Group with broad agent support (The Zebra).
• Allstate: Feature‑rich policies (accident forgiveness, new bike replacement in some states) and telematics via Drivewise; multi‑policy discounts available (Allstate discounts).
• USAA: Best for military families; often places motorcycle policies through a Progressive partner program while layering USAA member benefits (NerdWallet).
• Markel: Specialty coverage leader with options for custom/vintage bikes, higher accessory limits and niche endorsements (Forbes Advisor).

Compare the Best Cheap Motorcycle Insurance Companies

Information accurate as of November 2025.

*J.D. Power’s 2020 U.S. Insurance Shopping Study rating. Based on a 1,000-point scale. For the latest sector context, see J.D. Power press releases and cross‑market indices like the ACSI.

**In addition to basic coverage of comprehensive, collision, body liability, personal injury, and property liability.

*J.D. Power’s 2020 U.S. Insurance Shopping Study rating. Based on a 1,000-point scale. For current satisfaction context, consult the latest J.D. Power press releases and the ACSI.

**In addition to basic coverage of comprehensive, collision, body liability, personal injury, and property liability.

Cheap Motorcycle Insurance: What You Need to Know 

Coverage options

Buy for protection first, not just to meet minimums. Editorial reviews recommend limits above state minimums plus protection for your bike (collision and comprehensive), accessories, and uninsured/underinsured motorist. Coverage features vary: accessory/custom parts limits, OEM parts endorsements, roadside/trip interruption, and total‑loss/new bike replacement are not uniform across brands or states (Forbes Advisor; NerdWallet). In California, the minimum auto/motorcycle liability limits increased to 30/60/15 effective January 1, 2025 (California DMV).

“The biggest problem with motorcycle insurance is that riders buy the cheapest policy to be ‘street legal’ by state law, but they don’t buy the correct amount of coverage to protect themselves in the event of an accident,” says Brad Tabakin, a personal injury attorney.

When comparing providers, ensure access to essentials and useful add‑ons: collision and comprehensive, uninsured/underinsured motorist, medical payments, roadside assistance/trip interruption, accessory/custom parts coverage, OEM parts endorsements, and — where offered — total‑loss/new bike replacement (Forbes Advisor). Specialty carriers (Markel, Foremost, Dairyland) often lead on niche endorsements (The Zebra).

Collision coverage

Collision pays to repair or replace your bike after a crash, subject to your deductible. Typical motorcycle deductibles are commonly chosen in the $250–$1,000 range; higher deductibles generally lower premiums but increase out‑of‑pocket costs after a loss (Bankrate).

Comprehensive coverage

Comprehensive covers non‑collision losses like theft, vandalism, fire and weather. Theft risk has risen in recent years in several metros, which can affect comprehensive pricing; secure storage and anti‑theft devices can help (NICB theft reports).

Lots of discounts

Common 2025 savings include bundling/multi‑policy, multi‑vehicle, safety/defensive‑driving courses, anti‑theft/ABS, pay‑in‑full, automatic payments and paperless. Many insurers also offer telematics programs (e.g., Progressive Snapshot, Allstate Drivewise, Liberty Mutual RightTrack, USAA SafePilot, GEICO DriveEasy) with potential savings for safe habits; participation, data use and discount amounts vary by state (Progressive; Allstate; Liberty Mutual; USAA; GEICO; III).

You may qualify automatically for some discounts (e.g., homeowner, experienced rider). Proactive steps — completing approved courses, installing anti‑theft devices, enrolling in a telematics program — can further reduce premiums. ABS is associated with lower crash rates and losses on motorcycles, which some insurers reflect with credits (IIHS/HLDI on motorcycle ABS).

Affordable premiums

For apples‑to‑apples comparisons, fix your rider profile, bike, garaging ZIP, annual miles, limits and deductibles, then gather multiple quotes — include both broad‑market and specialty carriers (Forbes Advisor). Typical full‑coverage costs for standard‑risk riders often cluster around $600–$900/year nationally, but premiums vary widely; recent motor‑vehicle insurance inflation has kept upward pressure on rates (ValuePenguin; BLS CPI).

How to Save on Your Motorcycle Insurance Premium

Motorcycle insurance discounts

In late 2025, the most common savings include bundling/multi‑policy, multi‑vehicle, safe‑driver/accident‑free, defensive‑driving/safety courses, anti‑theft and ABS equipment credits, and payment/paperless options. Many carriers also offer usage‑based programs (telematics) with potential discounts for safe driving; availability, terms and discount caps vary by state and insurer (III overview; carrier pages: Progressive, Allstate, Liberty Mutual, USAA, GEICO).

Motorcycle Insurance FAQ

Methodology

We evaluated motorcycle insurers on discount breadth, coverage features, digital/agent claims support, financial strength and current customer‑experience indicators to determine Reviews.com scores and build our picks. We referenced 2024–2025 editorial evaluations and cost research from independent outlets and industry sources (Forbes Advisor; NerdWallet; Bankrate costs; ValuePenguin).

• Discounts: Insurers that advertise more savings opportunities (bundling, multi‑vehicle, safety courses, anti‑theft/ABS, payment/paperless, and where available telematics) scored higher (see carrier pages and III).
• Financial Stability: We referenced A.M. Best ratings to benchmark financial strength.
• Customer Satisfaction: There is no dedicated J.D. Power motorcycle satisfaction study; we used cross‑market indicators and the latest J.D. Power auto insurance studies for sector context, alongside national indices like the ACSI.
• Coverage: We scored higher for advertised coverages beyond basic liability/collision/comprehensive, including accessory/custom parts limits, OEM parts endorsements, roadside/trip interruption, and where offered total‑loss/new bike replacement.
• Claims Filing: We compared each company’s claims experience and digital options; carriers offering online/app claims and strong support scored higher.

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