Best Motorcycle Insurance Companies

Motorcycle Insurance – Exhilarating and enjoyable are two words that come to mind when thinking about taking a motorbike out on the open road. However, even the most experienced riders are susceptible to accidents, so it is essential to be well-prepared with high-quality motorcycle insurance that offers the necessary level of coverage.

Following the listings of motorcycle insurance policies currently being made available by our advertising partners is a comprehensive and detailed rundown of the top motorcycle insurance providers we have discovered.

Best Motorcycle Insurance Companies

Safeco Motorcycle Insurance

Safeco Insurance is the best for cheap motorcycle insurance. Safeco provides various opportunities to save money, including many different discount alternatives. Additionally, the organization offers various accessible functions, which many of its rivals charge for.

Safeco’s coverage

Then, what about the coverage? Like most motorcycle insurance companies on this list, Safeco offers all of the basic types of coverage you’d expect or need, such as passenger liability, property damage and bodily injury liability, uninsured motorist coverage, and collision.

Safeco’s costs

According to many internet customer and agent reviews, Safeco often provides insurance rates that are more competitively priced than most of its rivals. Contacting a local Safeco agent and requesting a quotation on your own is the only method to determine whether Safeco motorcycle insurance is the most cost-effective choice for your motorbike.

Markel Motorcycle Insurance

Markel has provided insurance for motorcycles for more than 45 years, while the firm has been in business for more than 70 years. In addition, Markel offers a broad variety of coverage choices, which helps it earn the distinction of being the most acceptable overall option for motorcycle insurance.

Even though the firm does not supply all of the technological capabilities that more prominent organizations provide, it makes up for this shortcoming with the wide variety of coverage choices and savings it offers.

Markel Insurance coverage

Standard motorcycle insurance plans such as liability, comprehensive, collision, uninsured/underinsured motorist, personal injury protection, and medical payments are among the coverage choices available with Markel Motorcycle Insurance.

Both collision coverage and comprehensive coverage plans contain $1,000 in accessories coverage; however, for an additional premium, this maximum may be increased up to $30,000.

Trailer coverage, guest passenger insurance, mechanical breakdown insurance (MBI), and funeral expense coverage are some additional coverage options available through Markel motorcycle insurance policies. These additional coverage options can further protect you, your passengers, and your motorcycle.

Markel Insurance costs

The price of insurance coverage will vary greatly depending on the individual. There are reportedly two distinct types of motorcycles, as described by rideapart. The cheapest possible coverage for the base plan is $175, while the most comprehensive plan would set you back $624. The cost of the most basic level of coverage for sports is $293, while the most comprehensive level of coverage is $4,285.

USAA Motorcycle Insurance

USAA provides its customers with a comprehensive selection of insurance and financial solutions. Additionally, rating agencies such as J.D. Power consistently award excellent corporation scores for its products and services. If you currently serve in the military or have previously served, there is no better option than USAA for your motorbike insurance needs.

USAA Insurance coverage

USAA provides comprehensive insurance plans for motorcycles, which include all of the standard forms of coverage, such as liability, comprehensive, collision, uninsured/underinsured motorist, personal injury protection, and medical payments.

USAA Insurance costs

Most of our competitors’ estimations are higher, but USAA’s yearly premium for motorbike insurance is just $478, making it one of the most affordable options.

Also read: Cheapest Homeowners Insurance

Harley-Davidson Motorcycle Insurance

Who better to ask about bikes than one of the most reputable motorcycle manufacturers in the world? Now, in addition to purchasing your motorcycle from Harley-Davidson, you may also acquire insurance coverage directly via the dealership where you bought your bike. Anyone new to riding motorcycles should consider this firm since it provides coverage for all kinds of motorcycles and attractive additional benefits.

Harley-Davidson coverage

Harley-Davidson Insurance is prepared to offer you insurance whether you own a motorbike of any make or model, regardless of whether or not you own a Harley-Davidson. They provide a comprehensive range of insurance policies, which range from the typical alternatives to those that are more specialized. Among the available choices are:

  • Bodily injury liability
  • Bodily injury liability
  • Collision
  • Passenger liability
  • Comprehensive
  • Equipment coverage
  • Roadside assistance
  • Vacation rental insurance
  • Optional equipment replacement cost
  • Bike replacement cost
  • Uninsured and underinsured motorist coverage
  • Personal injury protection
  • Medical expense coverage

Harley-Davidson costs

Even if Harley Davidson’s prices aren’t the absolute lowest, the company’s quotations are comparable to those of most of its rivals in terms of the price band they fall within. According to the data we gathered, the price of a Harley Davidson quote is $89 more than the price of the Progressive quote, which we found to be the most affordable option for motorcycle insurance.

Foremost Motorcycle Insurance

Foremost is aware that not all bicycles are constructed similarly because of this fact. It is one of the few firms that provide coverage tailored to either antique bikes or special editions of motorcycles.

Foremost coverage

The firm ensures motorbikes of various makes and models, not only vintage or unique bikes. Foremost would extend coverage to most motorbikes and relatively low varieties. Even though Foremost organizes its coverage choices into packages, the following fundamental categories of insurance are all available via the company:

  • Property damage and bodily injury liability
  • Collision
  • Medical payment provisions
  • Custom parts coverage up to $30,000
  • Personal injury protection
  • Passenger liability
  • Helmet and safety apparel coverage
  • Optional equipment coverage

Foremost Insurance costs

The price of insurance coverage will vary greatly depending on the individual. Here are the details of foremost’s costs:

Low-risk

Standard :

  • Minimum coverage: $76.76
  • Full coverage: $300.76

Sport :

  • Minimum coverage: $259.76
  • Full coverage: $2,137.76

High-risk

Standard :

  • Minimum coverage: $342.76
  • Full coverage: $1,789.76

Sport :

  • Minimum coverage: $574.76
  • Full coverage: $8,471.76

The Foremost motorbike insurance has a total rating of 4.0 stars from us. Foremost can provide the necessary coverage for the vast majority of riders, and the company may be a beneficial choice for AARP members who are eligible for higher premiums.

Don’t forget cover with life insurance

Frequently Asked Questions

What insurance is best for a motorbike?

Safeco Motorcycle Insurance
Markel Motorcycle Insurance
USAA Motorcycle Insurance
Harley-Davidson Motorcycle Insurance
Foremost Motorcycle Insurance

Can I add a motorbike to my car insurance?

If you are a proud owner of a motorcycle and car, you might ask if it is possible to combine your insurance to save time, money and energy. I’m well! This is entirely possible and by combining your car and motorcycle insurance policy, you can get various benefits.

Is a motorcycle cheaper on insurance?

Motorcycle insurance tends to be cheaper than car insurance. The cost of car insurance is $1,674 per year, while the motorcycle policy is $519 per year, per power data J.D.

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