Top Five Motorcycle Insurance Providers for 2024

Motorcycle riding offers excitement but also presents certain risks. Having insurance protection can cover damages and medical expenses resulting from accidents. When selecting a policy, it's important to find a provider offering comprehensive coverage at an affordable rate. Navigating the many options can be overwhelming, so here are five of the best motorcycle insurance providers to consider for reliable coverage and discounts.

GEICO

GEICO provides budget-friendly motorcycle insurance with strong coverage options.

This insurer has earned an A++ rating from A.M. Best, indicating financial strength. GEICO’s motorcycle policies include bodily injury, collision, property damage, and uninsured motorist coverage. Customers benefit from various discounts, such as 10% when switching policies, insuring multiple bikes, or renewing with GEICO. Additionally, insuring your car with GEICO can yield a 5% discount.

Markel

With over 45 years of experience, Markel specializes in motorcycle coverage tailored to riders’ needs.

Their offers include collision, accessory, mechanical breakdown, liability, uninsured motorist, and trailer coverage. Customers can save up to 35% on premiums. Discounts are available for switching to Markel, installing anti-theft devices, and renewing policies. Consecutive claim-free years can reduce your deductible by 25%, rewarding safe riding.

Dairyland

Serving riders for over 60 years, Dairyland insures all motorcycle types, including sport bikes, cruisers, and dirt bikes. Coverage options include collision, comprehensive, medical expenses, personal injury, and special equipment. Their competitive rates can be further lowered by insuring multiple bikes or through discounts for club memberships and safety courses.

Progressive

As one of the leading auto insurers, Progressive also offers extensive motorcycle coverage. They insure scooters, ATVs, vintage bikes, touring motorcycles, cruisers, and custom builds. Policies include total loss, roadside assistance, personal belongings, and injury protection. Discounts are available if you insure your vehicle along with a home, car, or boat, and savings increase with early quotes, full payments, or timely renewals.

Safeco

Part of Liberty Mutual, Safeco provides affordable motorcycle insurance for various bike types. Their policies cover collision, roadside help, OEM parts, safety gear, and bodily injury liability. Safeco offers full cash value settlement for total losses on Harley-Davidsons. Additional discounts are available for claim-free periods, recent safety course completion, or existing Safeco policies.