The Top 8 Best Motorcycle Insurance Companies for 2024

Dan Aykroyd, smart man that he is, once said, “You do not need a therapist if you own a motorcycle, any kind of motorcycle!” At Rokform, we’re with you, Dan. However, one thing these riders are definitely going to need, regardless of their bike, is motorcycle insurance. New riders and riders who’ve been on the road for quite some time know that having the best motorcycle insurance possible is a crucial piece of the puzzle when owning a motorcycle and you’re ready to ride out.

In this guide, we will go down the rabbit hole of the 8 best insurance for motorcycle possibilities for 2024. We’ve gathered the intel. So stick around, as we’re about to provide you with all the insight you need to know on coverage, costs*, customer service, and more so you can make the best decision and never stop riding.

***The costs are dependent on several factors that go into the cost of motorcycle coverage, and actual prices vary from customer to customer. Reach out to these companies for more information.***

When you get choosey with your motorcycle insurance company, it’s not just about picking some name you recognize. For your motorcycle insurance policy and the best motorcycle insurance rates, you need to know just what to look out for and why it matters. Here’s what we considered to help you find what works for you:

Coverage Options: The variety and extent of coverage offered. This includes liability, comprehensive, collision, and additional coverages like OEM parts and custom equipment.

Cost: How affordable the premiums are and what value you get for your money.

Customer Service: The quality of service, including claims processing and customer support.

Discounts: Availability and variety of discounts such as multi-policy, safe rider, and military discounts.

Financial Stability: The financial health of the insurance company, indicating their ability to pay claims.

Additional Benefits: Extra perks like roadside assistance, rental reimbursement, and trip interruption coverage.

Customer Reviews: Real-world feedback from riders who have used the insurance.

Up first on our list for best motorcycle insurance is Progressive Insurance. Progressive stands out as top dog among motorcycle insurance companies because of their comprehensive motorcycle insurance coverage, competitive pricing, and excellent customer service team.

For motorcycle insurance coverage, Progrssive’s motorcycle insurance policy offers some features that riders really dig:

• Full Replacement Cost Coverage: No depreciation hit if you need to replace your bike.

• OEM Parts Coverage: Got a custom bike? They cover original manufacturer parts.

• Custom Parts and Equipment Coverage: Up to $30,000 for all your bike’s bells and whistles.

• Roadside Assistance: Get help when you’re stranded.

• Trip Interruption Coverage: Covers expenses if you’re stuck away from home due to a bike breakdown.

Extensive Coverage Options

Competitive Pricing

Excellent Customer Service

Numerous Discounts

No Rental Reimbursement Coverage

Coverage Options: 5/5

Cost: 4/5

Customer Service: 4.5/5

Discounts: 4.5/5

Financial Stability: 5/5

Additional Benefits: 5/5

Customer Reviews: 4.5/5

Reviewers for Progressive’s motorcycle insurance are mostly positive. Many riders are loving the motorcycle insurance quotes they get with Progressive along with the extensive coverage options and awesome customer service. Experts recommend Progressive among the best companies for motorcycle insurance due to its thorough coverage and competitive pricing.

As a more affordable motorcycle insurance, Progressive can be as low as $23/month. Reach out to Progressive for a motorcycle insurance quote.

Next up on our list of motorcycle insurance companies is Dairyland. This company is your go-to for affordable motorcycle insurance. Here, you’re looking at low costs, while still getting decent coverage. They’re well-known for the best motorcycle insurance rates and budget-friendly premiums, giving you a solid option for coverage.

When it comes to motorcycle insurance coverage, Dairyland’s motorcycle insurance policy has some pretty sweet perks:

• Basic to Comprehensive Coverage: Flexibility to choose what suits you.

• Roadside Assistance: Help when you need it most.

• Replacement Cost Coverage: For bikes less than 3 years old.

• Rental Reimbursement Coverage: Keeps you on the road if your bike’s in the shop.

• Emergency Roadside Assistance: Extra peace of mind for emergencies.

Low Premiums

Comprehensive Coverage Options

Roadside Assistance

Replacement Cost Coverage for New Bikes

Higher Complaint Rate

Slower Claim Processing

Coverage Options: 4/5

Cost: 5/5

Customer Service: 2.5/5

Discounts: 4/5

Financial Stability: 4.5/5

Additional Benefits: 4/5

Customer Reviews: 3/5

The reviews on Dairyland as one of the best companies for motorcycle insurance are mixed. Many riders genuinely appreciate the motorcycle insurance quotes, low premiums and comprehensive coverage options, some seem to have issues with customer services and the time it takes to process their claims. Experts recommend Dairyland for being budget-friendly, but advise caution when it comes to their customer service squad.

As an affordable motorcycle insurance, Dairyland costs on average $22/month. In some states, motorcycle insurance quotes can be as low as $14/month.

For an iconic Harley Davidson motorcycle owner, the best insurance is the most obvious choice, with Harley-Davidson Motorcycle insurance coverage. They stand out among motorcycle insurance companies because they provide specialized coverage options and extensive discounts made for the Harley rider.

Take a look at what you get with the Harley-Davidson motorcycle insurance policy:

• Comprehensive Motorcycle Insurance Coverage Options: Including custom parts and equipment.

• Roadside Assistance: No worries if you get stuck.

• Vacation Rental Coverage: For those long road trips.

• Extensive Discounts: Including H.O.G. membership and military discounts.

• Replacement Cost Coverage: For new bikes, ensuring you get what you need.

Specialized Coverage for Harley Owners

Affordable Rates

Extensive Discounts

Roadside Assistance

Limited to Harley-Davidson Motorcycles

No Multi-Policy Options

Limited to Harley-Davidson Motorcycles

No Multi-Policy Options

Coverage Options: 4.5/5

Cost: 4/5

Customer Service: 4.5/5

Discounts: 5/5

Financial Stability: 5/5

Additional Benefits: 4.5/5

Customer Reviews: 4.5/5

Reviews of Harley-Davidson as one of the best companies for motorcycle insurance are mostly positive. Many riders praise the specialized coverage options they get with their motorcycle insurance quotes and the extensive discounts. Experts state that Harley-Davidson is awesome and affordable, with tailored coverage for Harley owners.

Harley Davidson is an affordable motorcycle insurance for Harley owners at around $24/month. Reach out to them for a motorcycle insurance quote.

Geico is considered top-of-the-line and among the best motorcycle insurance for those who are young, wild, and free. So, if you’ve just purchased your first bike, Geico motorcycle insurance coverage has got your back. Among all the motorcycle insurance companies, they’re well-known for catering to the younger crowd with flexible options and a solid lineup of discounts.

Have a look at what the Geico motorcycle insurance policy has to offer:

• Basic to Comprehensive Coverage Options: They’ve got you covered from the basics to the full shebang.

• Medical Payments Coverage: Just in case you take a spill.

• Flexible Payment Options: Pay in installments, because who needs that big hit to the wallet?

• Military and Safe Rider Discounts: Save some bucks if you’re serving or staying safe.

• Customizable Motorcycle Insurance Coverage: Tailor your plan to fit your unique needs.

Flexible Payment Options

Competitive Pricing

Wide Range of Discounts

Customizable Coverage

Higher Premiums Compared to Some Competitors

Limited OEM Parts Coverage

Coverage Options: 4/5

Cost: 3.5/5

Customer Service: 4/5

Discounts: 4.5/5

Financial Stability: 5/5

Additional Benefits: 4/5

Customer Reviews: 4/5

Young riders are really digging Geico and consider it among the best companies for motorcycle insurance due to its flexible payment options and competitive pricing. Experts give it two thumbs way up for their customizable motorcycle insurance quotes and wide range of discounts.

Although a bit higher, it’s still considered affordable motorcycle insurance at $36/month. Reach out to Geico for a motorcycle insurance quote.

For connoisseurs of vintage and custom motorcycles, the best motorcycle insurance is, hands-down, Markel. These guys are great if you’re rolling vintage. Out of all the motorcycle insurance companies, they know just what type of motorcycle insurance coverage it takes to keep those classic beauties protected (unique benefits like vanishing deductibles).

Have a gander at how the Markel motorcycle insurance policy caters to the vintage bike lovers:

• Specialized Coverage for Vintage and Custom Motorcycles: They get the unique needs of vintage bikes.

• Comprehensive Motorcycle Insurance Coverage Options: Liability, collision, comprehensive – you name it, they got it.

• Vanishing Deductible for Safe Riders: Stay safe and watch your deductible disappear.

• Multi-Bike Discount: Perfect for collectors with more than one ride.

• Coverage for Custom and Aftermarket Parts: Because those custom parts need love, too.

Specialized Coverage for Vintage Bikes

Comprehensive Coverage Options

Vanishing Deductible for Safe Riders

Multi-Bike Discount

Higher Premiums

Poor Customer Service

Coverage Options: 4.5/5

Cost: 3.5/5

Customer Service: 2/5

Discounts: 4/5

Financial Stability: 4.5/5

Additional Benefits: 4.5/5

Customer Reviews: 3/5

When it comes to reviews on Markel’s motorcycle insurance quotes and as it stands among the best companies for motorcycle insurance, thoughts are mixed. Vintage bike lovers really dig the specialized coverage and the vanishing deductible, but others gripe about the customer service and higher premiums. Experts state that if you need vintage coverage, this is a great pick, but keep a close eye on customer service interactions.

At $39/month, it’s still affordable insurance for a vintage bike. Just be sure to contact Markel for a motorcycle insurance quote.

Next up for best motorcycle insurance is Allstate . They’ve got a reputation among motorcycle insurance companies for offering extensive motorcycle insurance coverage options and stellar customer service. So if you’re searchin for thorough protection, these guys just might be your go-to.

Here’s what Allstate has to offer with their motorcycle insurance policy:

• Comprehensive Motorcycle Insurance Coverage Options: Including custom parts and equipment.

• Roadside Assistance and Rental Reimbursement: Get help when you’re stranded and a ride when yours is in the shop.

• Personal Injury Protection and Medical Payments Coverage: Safety first.

• Extensive Discounts: Multi-policy, safe rider, you name it.

• Strong Customer Service and Claim Support: They’re there when you need them.

Extensive Coverage Options

Strong Customer Service

Numerous Discounts

Additional Benefits

Costs Can Vary by State

Higher Premiums for Some Riders

Coverage Options: 5/5

Cost: 4/5

Customer Service: 4.5/5

Discounts: 4.5/5

Financial Stability: 5/5

Additional Benefits: 4.5/5

Customer Reviews: 4.5/5

When it comes to motorcycle insurance quotes riders are raving about Allstate. The reviews are generally positive stating that Allstate is among the best companies for motorcycle insurance. Many riders love the extensive coverage options and awesome customer service. Experts are backing this up, and recommend Allstate for their thorough protection and extra perks.

When it comes to affordable motorcycle insurance, the price for Allstate varies. Just be sure to reach out to Allstate for a personalized motorcycle insurance quote.

USAA (through Progressive) is on our list of best motorcycle insurance because it’s the perfect choice in motorcycle insurance coverage for military members, veterans, and their families. Among all the motorcycle insurance companies on our list, they provide extensive coverage and special discounts to those who serve (or have served) this great country.

Here’s a closer look at the USAA motorcycle insurance policy:

• Comprehensive Coverage Options: Including custom parts and equipment.

• Special Discounts for Military Members and Veterans: Because you’ve earned it.

• Full Replacement Cost Motorcycle Insurance Coverage Without Depreciation: No depreciation hits here.

• Roadside Assistance and Trip Interruption Coverage : Stay covered no matter where you are.

• Motorcycle Financing and Loans: Get your dream bike without financial strain.

Special Discounts for Military Members

Comprehensive Coverage Options

Full Replacement Cost Coverage

Roadside Assistance

Limited to Military Members and Their Families

No Direct Insurance

Coverage Options: 5/5

Cost: 4.5/5

Customer Service: 5/5

Discounts: 4.5/5

Financial Stability: 5/5

Additional Benefits: 4.5/5

Customer Reviews: 4.5/5

Military members give USAA’s motorcycle insurance quotes and policy high marks for their special discounts and are mostly positive. Experts highly recommend USAA for its exclusive benefits for military personnel and their families.

USAA offers affordable motorcycle insurance at around $22/month with the USAA discount. Contact USAA, through Progressive, for a motorcycle insurance quote.

Here’s how Nationwide’s motorcycle insurance policy aims to cater to motorcycle riders:

• Comprehensive Motorcycle Insurance Coverage Options: From basic liability to full coverage, including custom parts and equipment.

• Roadside Assistance and Rental Reimbursement: Get help when you’re in a jam and a ride when your bike’s in the shop.

• OEM Parts Coverage for Custom Bikes: Keep your custom ride authentic with original parts.

• Extensive Discounts: Save with multi-policy and safe rider discounts.

• Strong Customer Service and Claim Support: They’re there when you need them, with a reputation for excellent support.

Comprehensive Coverage Options

Strong Customer Service

Numerous Discounts

OEM Parts Coverage

Costs Can Vary by Region

No Specialty Coverage for Vintage Bikes

Coverage Options: 5/5

Cost: 4/5

Customer Service: 4.5/5

Discounts: 4.5/5

Financial Stability: 5/5

Additional Benefits: 4.5/5

Customer Reviews: 4.5/5

Riders give Nationwide high marks for their top-notch customer service and comprehensive coverage options that make them stand out among the best companies for motorcycle insurance. Experts recommend them for motorcycle insurance quotes stating they’re reliable and offer strong support.

Nationwide tends to be an affordable motorcycle insurance, however, the cost of full coverage varies by state. Contact Nationwide for a full-coverage motorcycle insurance quote.

Unfortunately, we didn’t have time to get to every single motorcycle insurance agency out there, so here’s a couple more to take note of:

State Farm is well-known as a motorcycle insurance agency with awesome customer service and thorough coverage options. Among motorcycle insurance companies, State Farm provides many discounts and benefits making them a solid choice to look into.

Esurance is considered the best motorcycle insurance company to many bikers due to their flexible payment options and competitive pricing. They offer comprehensive motorcycle insurance coverage and many discounts that are worth checking out.

The best motorcycle insurance is really going to depend on what you need. Different companies cater to different types of riders

For an insurance quote on motorcycles, start by going online and visiting any of the websites we’ve talked about here today (and others via a quick Google search). Most companies offer easy-to-use online quote tools so you can compare rates and go from there.

Motorcycle insurance rates are affected by several things. They include age, riding experience, motorcycle type, coverage options, and locations. Your driving record and credit score could also influence your premiums.

Absolutely! Many motorcycle insurance companies will offer you the best motorcycle insurance rates through discounts. Common discounts include safe rider, multi-policy, military, and loyalty. Just ask your insurer about any available discounts.

At Rokform, we know that “The brave don’t live forever, but the cautious don’t live at all.” That’s why we hope that our list of top motorcycle insurance has proved useful to you so you can throw inhibitions to the wind, ‘cause you were born to ride, friends.

Inevitably, the best motorcycle insurance companies offer unique benefits and coverage options that meet the individual rider's needs. So that means the ultimate decision is yours.

But as you consider all of the options for motorcycle insurance, remember to prioritize the coverage that fits your riding habits, type of motorcycle, and your budget. After reading this, you should be able to compare motorcycle insurance with confidence, and you’re bound to choose the absolute best motorcycle insurance to protect you on the open road against any uncertainties.

And hey, if you’re thinking about upgrading your bike before or after getting the best motorcycle insurance, be sure to check out these motorcycle mounts from Rokform:

• Motorcycle Handlebar iPhone Mount

• Motorcycle Perch Mount

• Aluminum Roklock Bike and Motorcycle Mount Upgrade Kit (if you're using one of our original style mounts that has a polycarbonate RokLock)

• Pro Series Motorcycle Stem Mount

• Motorcycle Mount Dampener

No matter where the ride takes you, be safe & stay insured!