Motorcycle Insurance

Q: Is motorcycle insurance required?

While each state has its own motorcycle requirements, liability coverage is required by law in nearly every state . If you finance or lease your bike, your lender typically requires comprehensive and collision coverage. Find out what your state requires for motorcycle insurance .

Get the #1 motorcycle insurance starting at $75 per year for liability coverage^*

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Quote motorcycle insurance and find out why 1 in 3 insured riders choose Progressive

We didn't become the best motorcycle insurance company by only giving our riders "the basics." You're passionate about your bike, so we dig deeper to offer a wide range of discounts and coverages for affordable and personalized protection.

Plus, Progressive always uses Original Equipment Manufacturer (OEM) parts for repairs as well as custom parts if your bike is customized. We insure all types of motorcycles, including:

Honda
Indian
Kawasaki
Polaris
Yamaha

Quote and buy motorcycle insurance online in minutes, then ride with peace of mind and protection from the #1 motorcycle insurance company.

Ways to Save

Progressive's discounts make motorcycle insurance affordable for all

Score cheap motorcycle insurance without sacrificing dependable protection. We automatically apply all your discounts when you get a motorcycle insurance quote online or over the phone.^**

Multi-policy

Is your home, car, boat, or RV insured with us? You could save even more on motorcycle insurance if combined with another Progressive policy.

Save by bundling insurance

Responsible driver

We'll reward you if you've had no motorcycle accidents or violations in the last three years.

Safety course

Complete an approved motorcycle safety course and lower your policy's rate.

Association member

Are you a member of the United Services Automobile Association or the Harley Owners Group? Participating members can save on motorcycle insurance.

Motorcycle endorsement

If you have a motorcycle license or a motorcycle endorsement on your driver's license, we'll throw in a discount.

See all motorcycle discounts

WHY CHOOSE US?

Affordability

Progressive offers customized coverage without putting a dent in your wallet.

Get cheaper motorcycle insurance
Service

1 out of 3 motorcycle riders choose Progressive, depending on us for superior service.

Learn the claims process
Community

Join the world's largest consumer motorcycle show tour and connect with bike enthusiasts.

Attend a motorcycle event or rally

Types of motorcycles we cover

Whether you ride a Kawasaki sport bike, Honda cruiser, or custom hog, we have you covered. Here are a few common types of motorcycles we insure:

Motorcycle insurance coverages customized to you and your ride

Get the best protection whether you're on the road or your bike is in storage.

Required

Liability

Motorcycle liability coverage is required in nearly every state to ride legally. If you're liable in an accident, liability coverage can pay for property damage, injuries you cause to others, and legal expenses.

Example: You lose control of your motorcycle, colliding with a parked car. Liability coverage can pay for repairs to the damaged vehicle up to your policy's liability limits.

Recommended

Comprehensive & collision

Motorcycle comprehensive coverage protects your bike against incidents out of your control, including theft, vandalism, fire, and weather-related issues. Motorcycle collision coverage covers damage to your bike if you collide with an object or vehicle. Both can be crucial in safeguarding your bike against physical damage.

Example: While in storage for the winter, your bike is stolen from your storage unit. Comprehensive may pay to replace your bike, minus your deductible.

Example: Your bike is damaged after a minor collision with a guardrail. Collision can cover the repair cost, minus your deductible.

Included

OEM parts

If your motorcycle has Original Equipment Manufacturer (OEM) parts, we use OEM parts when repairing your bike after a covered accident instead of aftermarket parts. And if your parts are customized, Progressive uses custom parts for repairs. OEM coverage is automatically included if your policy has comprehensive and collision.

Example: Your Honda's chrome wheels were damaged beyond repair in an accident. Progressive can pay to replace the wheels with OEM wheels, minus your deductible.

Optional

Total loss coverage for a new motorcycle

If you total your new motorcycle, Progressive can pay the full manufacturer's suggested retail price for a brand-new bike, minus the deductible on your policy. Your motorcycle must be no more than one model year old on a new policy or two model years old during the renewal of a policy with total loss coverage.

Example: You recently paid $25,000 for a new bike, but now it's worth $18,000. If it's totaled in a covered loss, and the latest model costs over $25,000, we'll give you that amount. Your policy will cover the actual cash value of your bike if your motorcycle isn't eligible for total loss coverage at renewal.

See all motorcycle coverages

Is motorcycle insurance required?

While each state has its own motorcycle requirements, liability coverage is required by law in nearly every state. If you finance or lease your bike, your lender typically requires comprehensive and collision coverage. Find out what your state requires for motorcycle insurance.

Motorcycle insurance FAQ

Here are a few tips to get an accurate motorcycle insurance quote:
- Know your bike's year, make, and model: If you don't have your VIN handy, you can still get an accurate motorcycle insurance quote if you know basic information about your bike.
- Add all riders: If family members regularly ride your bike, add them to your quote so you're adequately covered
- Locate your VIN: You can get a free motorcycle insurance quote without your vehicle identification number (VIN), but you'll need it to purchase your policy
If your passenger sustains an injury in a bike accident, guest passenger liability coverage can pay for their injuries up to your policy's limits. Depending on your state, guest passenger liability coverage is either part of your bodily injury liability coverage or a separate coverage. Remember that if the other motorist is at fault, their insurance may pay for your passenger's injuries.