Motorcycle Insurance

Get the #1 bike insurance for as little as $75 per year for liability coverage^*

Product

Start a motorcycle insurance quote online

We didn't become the best motorcycle insurance company by giving our riders "the basics." You're passionate about your bike, so we dig deeper to offer a wide range of coverages and discounts for customized protection. Get a free motorcycle insurance quote, buy online, and see why nearly 1 in 3 insured motorcycle riders choose Progressive.

We’re one of the biggest motorcycle insurers because we protect so many types of bikes

Whether you ride a sport bike or are buying a touring bike, cruiser moped, standard motorcycle, or custom hog, we have you covered. Here are a few common types of motorcycles we insure:

Ways to Save

Discounts on motorcycle insurance to keep you on the open road

You can get a motorcycle insurance policy starting at just $75 per year for liability coverage.^* We automatically apply all of your discounts when you get a motorcycle insurance quote online or over the phone.^**

Multi-policy

Is your home, car, boat, or RV insured with us? You could save even more on motorcycle insurance if you combine it with another Progressive policy.

Responsible driver

We'll reward you if you've had no motorcycle accidents or violations in the last three years.

Pay on time

The easiest way to save! We'll give you this discount automatically with your first policy, and you have it at every renewal as long as you continue to pay on time.

Association member

Are you a member of the United Services Automobile Association or the Harley Owners Group? If so, you can get an insurance discount for participating in these associations.

Homeowner

Do you own a house, mobile home, townhome, or condo? Great! You'll earn additional savings, even if even if we do not insure it.

See all discounts

Find more ways to score cheap motorcycle insurance.

Customized motorcycle insurance for added peace of mind

While each state has its own motorcycle insurance requirements, we know most riders want more than minimum coverage. Protect yourself and your ride with specialized coverage options. Remember that these are just a few of the many coverages available with Progressive motorcycle insurance.

See all motorcycle coverages

Man with long hair riding motorcycle through desert

SOME OF OUR COVERAGES

Full replacement cost and no depreciation for parts

If you're in a covered accident, we'll always pay to return your bike to pre-accident condition or better.

Example: Let's say your five-year-old front tire with 10,000 miles on it gets damaged. Based on the tread remaining, its depreciated value is $50, but you need a new one that costs $250. We'll pay the full $250, not the depreciated value.

Total loss coverage for a brand-new bike

This optional motorcycle insurance coverage is available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a total loss coverage policy. If it's totaled, we'll give you the full MSRP for a new motorcycle minus your deductible. Learn more about what happens if your motorcycle is totaled.

Example: You buy a motorcycle for $15,000, but it gets totaled and is only worth $10,000. We pay you the MSRP of the latest model — even if it costs more than $15,000. If your bike is no longer eligible for total loss coverage at renewal, we'll still cover the cash value of your bike.

Roadside assistance

If your road bike breaks down on the highway anywhere in the United States or Canada, our roadside assistance program will tow your bike to the nearest repair shop.

Example: You're out for a ride along a country road and you get a flat tire. Our vendor will pick you up and take your bike to the nearest shop so you can get it fixed.

Pro tips to quote motorcycle insurance

With so many discounts and coverage options, you'll have no trouble creating a motorcycle insurance policy that gives you the protection you need at an affordable price. Here are a few tips to get your quote rolling:

Locate your VIN: You can get a free motorcycle insurance quote without your vehicle identification number (VIN), but you’ll need it to purchase your policy.
Know your bike’s year, make, and model: If you don’t have your VIN handy, you can still get an accurate motorcycle insurance quote if you know basic information about your bike.
Add all riders: If family members regularly ride your bike, add them to your quote so you're adequately covered.

Common questions about motorcycle insurance

How much does motorcycle insurance cost?

You can get a liability-only motorcycle insurance policy at Progressive for as low as $75 per year.^* The cost of motorcycle insurance depends on several factors, such as your location, riding experience, accident history, coverage selection, and type of bike.

How can I lower the cost of my motorcycle insurance?

In addition to Progressive’s discounts, you may be able to adjust your coverages and increase your comprehensive and collision deductibles to decrease your rate. Find more ways to lower the cost of motorcycle insurance.

Does motorcycle insurance cover passengers?

If your passenger sustains an injury in a bike accident, guest passenger liability coverage can pay for their injuries up to your policy's limits. Depending on your state, guest passenger liability coverage is either part of your bodily injury liability coverage or a separate coverage. Remember that if the other motorist is at fault, their motorcycle insurance may pay for your passenger’s injuries.

Learn more about how passengers are covered by motorcycle insurance.

Is my helmet covered while I ride?

You can add coverage for any safety riding apparel you wear while on your motorcycle. If it's damaged or stolen due to a covered loss, including your helmet, jackets, and boots — if it's covered, we'll pay to replace it minus your deductible.