Top 10 Motorcycle Insurance Companies in the USA (2025)

Geico Motorcycle Insurance is a popular choice among riders looking for affordable and reliable motorcycle coverage. Known for its strong reputation in the insurance industry, Geico offers a range of motorcycle insurance options including liability, collision, and comprehensive coverage. Riders can also take advantage of custom parts and equipment coverage, roadside assistance, and protection for both new and used motorcycles, making Geico a versatile option for various biking needs.

One of Geico’s standout features is its pricing. The company provides competitive motorcycle insurance rates for both experienced bikers and new riders, allowing broader access to essential coverage. Geico also offers up to 10% discounts for completing a motorcycle safety course, which can significantly reduce premiums. With multiple discount opportunities available, it becomes easier for riders to get budget-friendly coverage without compromising on protection.

Geico excels in customer convenience through its 24/7 support, accessible via phone, email, or a user-friendly mobile app. The app allows policyholders to manage their motorcycle insurance policies on the go, file claims, or get roadside assistance with ease. This digital convenience has made Geico particularly appealing to tech-savvy riders who want quick access to their policy information and support.

However, Geico Motorcycle Insurance may not be ideal for every rider. The company offers relatively limited coverage for rare, vintage, or high-performance motorcycles when compared to niche insurers that specialize in luxury or collectible bikes. For riders who own custom or performance-heavy models, it’s important to review Geico’s policy limitations before committing.

Overall, Geico Motorcycle Insurance stands out as a solid, cost-effective choice for most everyday riders. Its mix of affordability, flexible coverage options, and excellent customer support make it one of the leading motorcycle insurance providers in the United States. Whether you're commuting daily or riding on weekends, Geico offers a dependable solution for insuring your motorcycle with confidence.

Progressive Motorcycle Insurance is a top-rated option for riders looking for flexible and customizable coverage. Known for its innovation and strong digital presence, Progressive offers a smooth and user-friendly online experience, allowing customers to easily compare motorcycle insurance quotes and build a policy that fits their budget and needs. Whether you're a daily commuter or a weekend cruiser, Progressive provides motorcycle insurance solutions tailored to your riding habits.

One of the key advantages of Progressive is the variety of motorcycle insurance coverage options available. These include liability, collision, and comprehensive coverage, along with custom parts and equipment protection. This flexibility ensures that both standard and modified bikes can be covered effectively. Progressive also provides optional add-ons like roadside assistance and total loss coverage for newer bikes, giving riders greater peace of mind on and off the road.

Progressive rewards safe and loyal customers with several discount opportunities. These include multi-policy discounts, safe driver discounts, and discounts for paying your policy in full. One unique feature is Progressive’s Snapshot® program, a telematics-based tool that monitors your riding behavior. If you’re a safe and responsible rider, Snapshot can help you unlock additional savings based on real-world driving data—something few other motorcycle insurers offer.

In terms of user experience, Progressive scores high marks. Their intuitive website and mobile tools make it easy to manage policies, file claims, and adjust coverage anytime. Customers appreciate the streamlined quoting system and strong customer service, which make getting insured—and staying insured—simple and efficient. Progressive’s reputation for ease of use and transparency has made it a go-to choice for tech-savvy riders.

However, it’s worth noting that Progressive Motorcycle Insurance premiums can be higher for high-risk riders or those with past violations. Additionally, some coverage types may not be available in every state, which could limit options for riders in certain areas. It’s important to check the availability and fine print when building your policy.

Overall, Progressive Motorcycle Insurance stands out for its wide coverage range, excellent digital tools, and innovative discount programs. For riders who value flexibility, digital convenience, and the ability to customize their insurance plan, Progressive remains one of the most reliable and forward-thinking motorcycle insurance providers in the U.S.

State Farm Motorcycle Insurance is a trusted option for riders seeking dependable coverage backed by one of the most well-established names in the insurance industry. Known for its exceptional customer service and financial strength, State Farm offers a variety of motorcycle insurance coverage options that meet the needs of both casual and experienced riders. With a solid reputation and a nationwide presence, it’s an ideal choice for those who value personal service and reliability.

State Farm provides all the essential types of motorcycle insurance, including liability, collision, comprehensive, and medical payments coverage. These core protections help cover damage to your motorcycle, injuries to you or others, and damage to property in the event of an accident. Beyond the basics, State Farm offers customizable add-ons such as roadside assistance, rental reimbursement, and custom parts protection, making it easy to tailor your policy to fit your specific riding lifestyle.

One of the biggest advantages of State Farm Motorcycle Insurance is its network of local agents. Unlike many insurers that operate solely online, State Farm offers the opportunity to work directly with agents who understand your local needs and can help you personalize your coverage. This level of support is especially valuable for riders who prefer face-to-face interactions and want help navigating complex insurance decisions.

In terms of financial stability, State Farm is among the top-rated companies in the country. With strong ratings for its ability to pay claims promptly and efficiently, policyholders can feel confident that their coverage will be dependable when it matters most. In addition, customers consistently praise State Farm for its responsive claims service and willingness to go the extra mile when resolving issues.

Despite its many strengths, State Farm is not without a few drawbacks. The online quoting experience could be more streamlined, which may be a downside for riders who prefer a fully digital experience. Additionally, premiums may not be as competitive for high-risk riders or those with a history of traffic violations, so it’s important to compare quotes before deciding.

Overall, State Farm Motorcycle Insurance is a strong contender for riders who value personalized service, comprehensive coverage options, and a trusted insurance brand. Whether you're cruising through the city or heading out on a cross-country trip, State Farm offers the protection and peace of mind motorcyclists need on the open road.

Allstate Motorcycle Insurance offers riders a solid blend of customizable coverage, financial reliability, and a broad set of discount opportunities, making it a compelling option for both beginners and experienced motorcyclists. As one of the largest insurers in the U.S., Allstate brings decades of experience to the table, along with a reputation for strong claims service and nationwide support. Whether you own a single cruiser or a collection of bikes, Allstate provides flexible motorcycle insurance options designed to meet your unique riding needs.

Allstate’s motorcycle insurance includes essential protections such as bodily injury, property damage, and collision coverage, which are crucial for safeguarding you, your bike, and others in the event of an accident. Policyholders can also opt for additional features like comprehensive coverage, accessory protection, and guest passenger liability, depending on their level of risk and how often they ride. This range of options allows riders to tailor a policy that fits both their bike and their lifestyle.

One of Allstate’s most attractive features is its variety of discount programs. Riders can save by bundling their motorcycle insurance with auto policies, insuring multiple bikes under the same policy, or maintaining a safe riding record. These savings can be significant, especially for households with more than one vehicle or motorcycle. In addition, riders who complete a certified motorcycle safety course can often qualify for further reductions in premiums.

Allstate also shines when it comes to rider support services. Its 24/7 roadside assistance program is especially helpful for motorcyclists who frequently take long rides or travel across state lines. Whether it’s a flat tire, dead battery, or mechanical breakdown, Allstate’s assistance ensures that help is never far away—adding an extra layer of security for those unpredictable moments on the road.

In terms of financial strength and reliability, Allstate holds excellent ratings from major credit rating agencies, giving policyholders confidence in the company’s ability to pay claims quickly and efficiently. Customers also appreciate Allstate’s prompt claims process and the option to manage policies online or through a mobile app, making it easy to stay in control of coverage while on the move.

However, there are a few downsides to consider. Premiums may be higher for younger riders, those with limited experience, or individuals with previous traffic violations. Additionally, coverage for high-performance or specialized motorcycles may be more limited than what niche or luxury bike insurers offer. Riders with custom-built or exotic bikes may want to explore specialized policies elsewhere or inquire in detail about coverage limits.

Overall, Allstate Motorcycle Insurance is a strong choice for riders who want a dependable insurer with robust policy options, generous discounts, and high-quality service. Its combination of coverage flexibility, roadside support, and bundling savings makes it particularly appealing for families or multi-bike households looking for simplicity and protection under one roof. For riders seeking reliability and comprehensive features from a nationally trusted provider, Allstate delivers on all fronts.

Nationwide Motorcycle Insurance is a trusted name in the world of rider protection, offering flexible and customizable coverage to suit a wide variety of riders. Whether you're a weekend warrior, a long-distance tourer, or a daily commuter, Nationwide provides solid motorcycle insurance options backed by reliable customer service and strong financial stability. Known for its “On Your Side” approach, Nationwide emphasizes tailored protection and responsive support that make it a favorite among many motorcyclists in the U.S.

Nationwide’s motorcycle insurance policies include all the essentials—liability, collision, medical payments, and comprehensive coverage—giving riders confidence that they’re protected against a wide range of risks. From accidents and theft to weather-related damage, the policy structure is designed to be flexible enough for different types of bikes and riders. Whether you ride a sport bike, cruiser, touring motorcycle, or scooter, there’s an option for you within Nationwide’s offerings.

One of the standout features of Nationwide Motorcycle Insurance is its emphasis on discounts and savings. The company provides multi-policy discounts for bundling your motorcycle insurance with home or auto, as well as incentives for completing approved motorcycle safety courses. Riders who maintain a clean record are also rewarded through safe rider discounts, helping to make high-quality coverage more affordable over time.

Another perk of choosing Nationwide is its roadside assistance, which is included with most motorcycle insurance policies. This service offers crucial help such as towing, flat tire repair, and battery jump-starts, ensuring that you’re never stranded in the middle of a ride. This level of built-in support is especially valuable for riders who enjoy long road trips or live in areas where help isn’t always nearby.

Nationwide is also well-regarded for its customer service and claims handling, consistently receiving high marks for responsiveness and reliability. Riders have the option to manage their policies through an easy-to-use website or mobile app, file claims digitally, and access 24/7 customer support. The ability to handle most insurance needs online adds convenience to the overall policyholder experience.

However, there are a few factors to consider before choosing Nationwide. Premiums can be on the higher side, particularly for younger riders or those with limited experience. Additionally, riders with a history of claims or traffic violations may not find the most competitive rates with Nationwide, as the company tends to favor low-risk applicants. It’s important to compare quotes and coverage terms before making a decision.

Overall, Nationwide Motorcycle Insurance is an excellent choice for riders who value customizable coverage, built-in roadside assistance, and dependable customer service. While it may not be the cheapest option for every rider, it provides peace of mind with its comprehensive protection and financial reliability. For those seeking a well-rounded motorcycle insurance policy from a company with a solid reputation, Nationwide remains one of the top options available.

Farmers Motorcycle Insurance is a solid choice for riders who want personalized coverage backed by a reputable and long-standing insurance provider. Known for its strong customer service and customizable insurance options, Farmers caters to both casual and experienced motorcyclists with flexible policies designed to meet a variety of riding needs. Whether you're looking for basic liability or full protection with add-ons, Farmers offers motorcycle insurance policies that can be tailored to your bike and lifestyle.

Coverage options from Farmers include essential protections like bodily injury, property damage, and collision insurance, ensuring you’re financially covered in the event of an accident. In addition to the core coverages, Farmers also offers useful add-ons such as medical payments, custom parts coverage, and rental reimbursement, which provide extra peace of mind for riders who depend on their bikes for daily transportation or long-distance travel.

One of the key benefits of Farmers Motorcycle Insurance is its range of discount opportunities. Policyholders can save by bundling their motorcycle insurance with other Farmers policies, such as auto or home insurance, taking advantage of multi-policy discounts. Other savings include claims-free discounts for maintaining a clean riding record and additional discounts for installing anti-theft devices. These features not only promote safer riding habits but also make comprehensive coverage more affordable.

Farmers also receives praise for its strong customer service reputation. Riders can work directly with local agents who provide personalized assistance and help guide them through coverage options, claims processes, and policy management. The ability to speak to a knowledgeable agent—rather than relying solely on digital platforms—sets Farmers apart for riders who prefer more hands-on support.

However, there are a few limitations to consider. Premiums with Farmers can vary significantly depending on the rider’s location, so it’s important to get a personalized quote before purchasing. Additionally, coverage for high-risk or younger riders may be limited or come with higher premiums, which could make Farmers less ideal for those with less experience or a history of traffic violations.

Despite these drawbacks, Farmers Motorcycle Insurance stands out for its customization options, helpful add-ons, and reputable customer support. For riders who want a personalized experience and access to a wide range of coverage choices, Farmers delivers a dependable and flexible motorcycle insurance solution. Whether you're commuting, cruising, or customizing your ride, Farmers offers the protection and service needed to stay safe on the road.

Liberty Mutual Motorcycle Insurance offers riders a blend of comprehensive protection, digital convenience, and a wide range of discount opportunities. As one of the nation’s leading insurance providers, Liberty Mutual brings a modern, online-first approach to motorcycle insurance, making it simple for policyholders to get quotes, customize their coverage, and manage their policies entirely online or through a mobile app. For tech-savvy riders or those looking for hassle-free policy handling, Liberty Mutual is a standout choice.

Riders can choose from a full spectrum of motorcycle insurance coverage options, including liability, collision, comprehensive, and medical payments coverage. These core protections ensure you're covered whether you're involved in an accident, your bike is stolen or vandalized, or medical costs arise from injuries. Liberty Mutual also allows for customized add-ons like coverage for aftermarket parts and accessories, 24/7 roadside assistance, and rental reimbursement, offering more flexibility for riders who rely on their motorcycles daily or seasonally.

Liberty Mutual stands out for its convenient online tools, which make everything from quote comparison to claims filing fast and user-friendly. Through their intuitive online portal and mobile app, riders can easily update policies, pay premiums, or initiate claims with minimal effort—something particularly useful for younger or busy riders who prefer managing things on the go.

In terms of savings, Liberty Mutual offers several attractive motorcycle insurance discounts, including those for safe riders, policy bundling, and paying your premium in full. Riders who maintain a clean driving record can benefit significantly from lower rates, while bundling motorcycle insurance with home or auto coverage adds additional value.

However, it's important to note that Liberty Mutual’s premiums can be higher, especially for younger riders or those with limited experience. Riders of rare or custom motorcycles may also find that Liberty Mutual offers limited specialized coverage, compared to niche insurers that focus solely on luxury or high-performance bikes. These factors may make it less ideal for certain segments of motorcyclists, depending on their age and vehicle type.

Overall, Liberty Mutual Motorcycle Insurance is an excellent option for riders who value flexibility, online convenience, and strong coverage options. With its robust digital services and policy customization, it’s particularly appealing to riders who want to manage their motorcycle insurance quickly and efficiently. While pricing may vary based on rider profile and location, Liberty Mutual remains a top choice for everyday riders looking for dependable protection and seamless service.