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Our team chose Geico, Progressive, State Farm, Dairyland and Erie Insurance as the best motorcycle insurance companies based on cost, coverage and reputation
Best Full Coverage Motorcycle Insurance
Written by: Daniel Robinson, Written by: Daniel Robinson Writer Daniel is a writer for the Guide team and has written for many automotive news sites and marketing companies across the US, UK and Australia, specializing in Auto finance and auto care topics. Daniel is the Guide team’s authority on auto insurance, loans, warranty options, auto service and more.
What Does Full Coverage Motorcycle Insurance Cover?
Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is an editor on the Guides team with more than 10 years of experience covering personal finance and insurance topics.
Finding the right motor insurance can feel like a chore, but it is both a legal requirement and a smart choice for motorists. Luckily, the best motorbike insurance companies can offer extensive and affordable coverage packages to keep you protected on the road.
Our Guide team researched the best motorcycle insurance providers in the US to find out which plans are a cut above the rest. Focusing on each provider’s average costs, insurance details, reputation and customer experience, our experts have compiled our top picks for great and economical motor insurance expense.
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Motorcycle Insurance: What Coverage Is Best For You?
The Guide team is committed to providing reliable information to help you make the best possible decisions about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we’ve created a comprehensive rating system to develop a ranking of the best auto insurance companies. We collected data on dozens of auto insurance providers to rank the companies based on a variety of rating factors. After 800 hours of research, the final result is an overall ranking for each provider, with the insurers scoring the most points at the top of the list.
It can be difficult to determine which company offers the best motor insurance policy, but we’ve done the research to help you find the top names in the industry. Read on to learn more about why we recommend each provider in detail, including average motor insurance costs, coverage packages, discount opportunities, and more.
With the lowest prices in the industry and great coverage options, Geico motorcycle insurance receives rave reviews. The company pleases motorcyclists with low costs and many discount opportunities. Full coverage from Geico can help you get a new bike after a motorcycle accident or repair it after vandalism.
Geico is the country’s second largest insurance provider. The company has a good reputation throughout the industry and has an A rating from the Better Business Bureau (BBB). Geico also received an A++ financial strength rating from AM Best, highlighting its ability to reliably pay policyholder claims.
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Geico offers motorcycle insurance options ranging from basic coverage requirements to sidecar and jacket protection. While some other providers offer more additional coverage options, you can expect to find enough protection to suit the needs of even experienced riders through Geico.
This is where Geico motorcycle insurance really shines. As our team researched motorcycle insurance rates nationwide, we found that Geico consistently offers some of the lowest premiums.
Best of all, you will find a lot of discounts from Geico that you can easily get. You can find some of the company’s best motorcycle insurance savings opportunities below:
Geico has some of the best motorcycle insurance rates in the industry, and you can expect to receive competitive quotes from the company.
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Geico’s customer reviews are average to low, but this is quite common in the insurance industry. Although the company received an A rating from the BBB, it still holds an average score of 1.1 stars out of 5.0 from customer reviews. This insurance company also has a customer rating of 1.3 stars out of 5.0 on Trustpilot.
Our team reached out to Geico for comment on these scores but did not receive a response.
Progressive is the most popular motorcycle insurance option in the country, and it’s easy to see why. Between the company’s vast array of insurance options and its willingness to accept high-risk motorcyclists, Progressive motorcycle insurance offers an attractive and accessible option. Progressive can cover a variety of bikes including sport bikes, touring bikes, cruiser bikes, custom bikes, and more.
Industry leaders rate the company highly, and customers feel reassured by the company’s A+ financial strength rating from AM Best. This positive point shows that the company has enough financial capacity to fulfill its compensation obligations. Progressive also has an A rating from the BBB.
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It’s difficult to find a provider that can match Progressive’s coverage as it offers some of the most diverse motor insurance products available today. From basic liability coverage to towing benefits for mechanical damage to Carried Contents® coverage for personal belongings, Progressive makes a strong case for having the best motorcycle insurance plans.
In our research, we found that Progressive performs very well when it comes to pricing. Still, Geico beat the company’s average prices across many passenger types in our secret shopper analysis. The easiest way to know which company offers cheaper motorbike insurance is to compare quotes from each provider.
Progressive has an impressive list of available discounts. You’ll also notice below that most savings opportunities are accessible to any motorcyclist.
Progressive has a good chance of being the most affordable motor insurance option for you, so we recommend getting a quote to see what you might end up paying.
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Progressive has done a great job of meeting the BBB’s requirements for achieving high scores, as evidenced by its A rating. Customer satisfaction is not as high as Progressive. The company has a customer rating of 1.1 stars out of 5.0 on the BBB. Again, low customer service scores are quite common in the insurance industry, so this is not a cause for concern.
Our team reached out to Progressive for comment on this score but did not receive a response.
State Farm is the country’s largest insurance provider while maintaining a local character. Because agents are spread across the United States, you’ll have the opportunity to receive top-notch coverage from your local State Farm motorcycle insurance agent.
State Farm is rated A+ by the BBB and is highly regarded in the industry. The provider also has an A++ financial strength rating from AM Best.
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Information about State Farm’s motorcycle insurance isn’t the most accessible, mainly because the company directs customers to local agents instead of its website. Providers tend to have affordable coverage options that can fit most riders’ needs.
If you’re looking for coverage that’s not on this list, contact your local State Farm agent so they can help you find the best motorcycle insurance policy for your needs.
State Farm typically has competitive rates for auto insurance, and you can expect the same with motorcycle insurance. It’s hard to know exactly how much you’ll pay with State Farm because the company often tells customers to contact local dealers instead of going online.
You should check out the company’s new motor insurance rating tool. It allows you to get a general idea of how much a given bike will cost to insure so you know what to expect. You may pay a little more with State Farm, but you’ll also get personalized service.
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Our review team reached out to State Farm for comment on motorcycle insurance rates and received the following response:
“State Farm wants to bring great value to customers by offering competitive prices on cars, homes, rentals and motorbikes. When it comes specifically to motorcycle prices, State Farm is dedicated to providing customers with the best combination of price, service and protection. We absolutely value the relationships we have with our customers and we strive to be our customers’ first and best choice for the products and services we provide.” State Farm customer reviews
State Farm motorcycle insurance costs a little more than competitors’ insurance, but the provider’s service standards make up for the price difference. State Farm headquarters has an average rating of 4.3 stars out of 5.0 from more than 920 Google reviews, which is very impressive in the industry.
The company also has more than 19,000 local agents nationwide. State Farm agents tailor corporate motorcycle insurance policies to each individual. This level of attention and detail results in customer satisfaction, leading to State Farm’s high review ratings.
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Dairyland offers some of the best motor insurance for high-risk drivers, as the provider is famous for offering great prices for even those with checkered driving records. However, Dairyland motorcycle insurance isn’t available nationwide, so you’ll need to verify if it’s available in your state before getting a quote.
Dairyland is a much smaller name than the providers listed above but has an A+ rating from the BBB and
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