Best Motorcycle Insurance for 2021

Motorcycles are wonderfully fast, very fun vehicles. They can also be pretty expensive to purchase and maintain. Insuring your fancy, two-wheeled speedy 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

This company 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

  • 24/7 customer support
  • Affordable rates
  • Flexible payment options
  • Emergency roadside assistance
  • Excellent website and app
  • Some negative customer reviews
  • Customer interaction can be impersonal at times, as most issues can be handled through their app or website

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

  • Nationwide coverage
  • Accident forgiveness
  • Affordable rates
  • Wide range of policies offered
  • Discounts available for safety courses
  • Some negative reviews online
  • Can be more expensive, depending on your plan options

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

  • Excellent customer reviews
  • Affordable rates
  • Roadside assistance is standard
  • Diminishing deductible program
  • Not available in every state

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

  • Discounts offered
  • Perks offered for Harley-Davidson owners
  • Excellent coverage options offered
  • Roadside assistance available
  • Discounts available for safety courses
  • Accident forgiveness program
  • More expensive than other options in the industry

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.

Rates we found

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.

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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:

StateBodily injury liability per personBodily injury liability per accidentProperty damage liability per accidentOther Notes

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FAQ

How much is motorcycle insurance monthly?

GEICO charges $99 per year for some bikes. They charge a bit more for the first payment at $22 or so, and then the balance is something like $15 per month. It probably makes more sense to pay it all at once.

What insurance do I need for a motorcycle?

Each state has liability limits, which we’ve provided in the link.

How can I get super cheap motorcycle insurance?

Not sure how much cheaper it’s going to be than GEICO at $115 a year, but if you want to get that down even further, look into the discounts we’ve provided above, and also, make some lifestyle choices: Get married! Buy a house! Be old! Then you can also bundle your motorcycle insurance with your car policy. Oh, and also, don’t ride like a total squid and get a million tickets.

Can I buy seasonal motorcycle insurance?

Don’t bother.. You can make payments month-to-month and then cancel in the fall, and restart your insurance the next spring, but that’s a hassle. Plus, you wouldn’t be able to ride on those rare gorgeous days in December or early spring, and that would stink. For short money every year, you can keep your bike legal and ready to ride.

Why is my insurance so high with no accidents?

The short answer is “Because you live in Florida.”Even if you don’t live in Florida, your age, marital status, the city or town you live in, your credit score, and your driving record all have an influence.

Is an older bike cheaper to insure?

Absolutely. We chose a 2018 Honda ST1300 because there are a few around and it’s not the most expensive bike on the block, but you can save quite a bit riding a 1973 Jawa 350. Of course, then you’d have to be riding a 1973 Jawa 350.

Editor's note and disclaimer: Car Talk is supported by our fans, readers and listeners. When you click on some of the links on our website, we may receive referral compensation. However, you should know that the recommendations we make are based on our independent editorial review and analyses.