InsurancePick Updated May 2026
Reviewed by David Chen, CFP® · June 8, 2026
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BEST MOTORCYCLE INSURANCE 2026

Best Motorcycle Insurance 2026

Motorcycle insurance averages just $200–$500/year for full coverage — far less than car insurance. We ranked the best companies for cruisers, sport bikes, and touring motorcycles.

Avg Full Coverage
$200–$500/year
Min Coverage From
~$75/year
Required In
49 states

Motorcycle Insurance Coverage Types

Coverage TypeWhat It CoversRequired?
LiabilityDamage and injuries you cause to othersYes (49 states)
CollisionDamage to your bike in an accidentOptional
ComprehensiveTheft, fire, weather, vandalismOptional
Uninsured MotoristProtects you if hit by uninsured driverRecommended
Custom Parts & EquipmentAftermarket parts, custom paint, accessoriesOptional
Roadside AssistanceTowing and emergency servicesOptional

Best Motorcycle Insurance Companies 2026

BEST OVERALL A+ AM Best
Progressive
Largest motorcycle insurer in the US. Lowest rates for most riders and the most comprehensive coverage options — OEM parts guarantee, total loss coverage, and custom parts up to $30,000. Lay-up (storage) discount for winter months saves 15–25%.
Largest motorcycle insurer • OEM parts • Seasonal storage discount
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BEST FOR HARLEY OWNERS
Harley-Davidson Insurance
Purpose-built for Harley-Davidson riders. Genuine H-D parts guarantee, H-D apparel and accessories coverage up to $30,000, and trip interruption coverage. Multi-bike discounts for owners with more than one Harley. Offered in partnership with Nationwide.
Genuine H-D parts • Apparel coverage • Trip interruption
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BEST FOR LOW RATES A++ AM Best
GEICO
Competitive rates for most motorcycle types. Multi-policy discount when bundled with GEICO auto insurance. Strong mobile app and 24/7 claims. Particularly competitive for standard/cruiser bikes with clean rider history.
A++ AM Best • Bundle discount with GEICO auto
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BEST VANISHING DEDUCTIBLE A+ AM Best
Nationwide
Vanishing deductible reduces your deductible by $100 for every accident-free year. Total loss settlement at purchase price (not depreciated value) for bikes less than 2 years old. Comprehensive roadside assistance included.
Vanishing deductible • Total loss at purchase price
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Insurance Cost by Motorcycle Type

Bike TypeAvg Annual CostNotes
Cruiser (e.g. Harley Sportster)$200–$400/yrLower displacement, lower risk profile
Standard / Commuter$150–$300/yrCheapest to insure — practical, lower speed
Touring (e.g. Honda Gold Wing)$300–$600/yrHigher value bike, more equipment to cover
Sport Bike (e.g. Kawasaki Ninja)$500–$2,053/yrHighest rates — high speed, theft target
Adventure / Dual Sport$250–$500/yrModerate rates, off-road coverage may be needed

Frequently Asked Questions

Progressive is best overall — largest motorcycle insurer with the broadest coverage and lowest rates for most riders. Harley-Davidson Insurance (through Nationwide) is best for H-D owners with genuine parts coverage. GEICO is best for minimum cost and bundling with auto.
Full coverage averages $200-$500/year for most bikes. Sport bikes cost significantly more ($500-$2,053/year). Standard/commuter bikes can be insured for as little as $150/year. Minimum liability starts around $75/year but leaves you exposed in an at-fault accident.
Yes. Most insurers offer a "lay-up" or storage discount for winter months when the bike is not ridden. Progressive's lay-up discount saves 15-25%. You keep comprehensive coverage (for theft and weather) but drop collision and liability during storage months — a smart way to cut costs.
No. Standard auto insurance never covers a motorcycle. You need a separate motorcycle insurance policy. However, you can often bundle motorcycle + auto with the same insurer (GEICO, Progressive, Nationwide) to get a multi-policy discount on both.
If the bike is worth more than $3,000, full coverage (collision + comprehensive) is usually worth the cost. If you have a loan on the bike, your lender will require full coverage. Minimum liability-only is legal but leaves your bike completely unprotected if you crash or it's stolen.