The Best Motorcycle Insurance Companies (2026)

In contrast, most insurance companies pay only what your bike was worth at the time and use what are called .

Progressive also includes $3,000 of coverage for custom parts, upgrades and customizations when you get collision and comprehensive coverage. This means your policy covers things like a custom saddle or stereo. And you can pay extra to raise the limit up to $30,000.

The company also has good customer service with 35% fewer complaints compared to an average company of the same size.

However, Progressive doesn't offer rental reimbursement coverage for motorcycles. You may want this coverage if you don't have another vehicle or if you ride your bike every day.

On average, policies cost $22 per month, with rates as low as $14 per month in some states. Available add-on coverages include:

These coverages make it a great choice for riders who use their motorcycle as their main vehicle.

Riders aren't usually thrilled with the service they get from Dairyland, though. It gets 60% more complaints than an average insurance company its size. If you're in an accident, it may take longer to settle your claim with Dairyland compared to other companies.

Full coverage Harley-Davidson motorbike insurance costs just $24 per month, on average. That's $9 per month cheaper than the national average. And your rate could be even lower if you get one or more of the 13 discounts the company offers. This makes Harley-Davidson one of the most affordable motorcycle insurance companies in the country.

Harley-Davidson also has lots of coverage add-ons to help you customize your motorcycle insurance policy. Options include roadside assistance, rental reimbursement coverage, vacation rental coverage and custom equipment coverage.

The main downside to Harley-Davidson Insurance is that it doesn't sell car, home or renters insurance policies. If you need to protect another vehicle, your home or your belongings, you'll have to get a policy from a different company. That can be inconvenient, especially if you have a major emergency, like a fire that damages both your home and bike.

Young bikers on a budget may find this helpful. In comparison, many companies require you to pay your annual rate in full up front. However, you'll probably have to pay Geico a small fee for each installment.

Geico's motorcycle insurance isn't typically the cheapest option. The average cost of a full coverage policy is $36 per month. That's $3 per month more than the national average. But you could lower your rate with one or more of Geico's discounts. For example, young riders who take a Motorcycle Safety Foundation or Military Safety Course get a 10% discount.

Geico motorcycle insurance allows you to customize your coverage to meet your needs. That means policies don't automatically include extra coverage that young riders may not need. However, it doesn't offer some popular upgrades, like original equipment manufacturer (OEM) coverage.

Progressive offers a 5% discount to USAA members, making its coverage even more affordable. On average, a full coverage Progressive policy costs $22 per month after the USAA discount.

USAA also offers motorcycle loans and financing, making it a one-stop shop for people looking to buy a new motorcycle.

Besides motorcycles, USAA also sells insurance for ATVs, mopeds and scooters.