Best motorcycle insurance

Written by: Warren Clarke
• Updated •2 min read
This date may not reflect recent changes in individual terms.
A woman wearing a helmet and protective clothing rides a motorcycle down an empty road in winter.Image: A woman wearing a helmet and protective clothing rides a motorcycle down an empty road in winter.

In a Nutshell

If you own a bike, finding the best motorcycle insurance for your needs is vital. Our top choices for motorcycle insurance include those that offer excellent benefits for different types of bike owners.
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Many auto insurance companies offer motorcycle coverage, but the variety of coverage and benefits available can differ from one insurer to the next.

Whether you want coverage for a new cruiser or a vintage bike, there’s probably a policy that will meet your needs.

In choosing some of the best motorcycle insurance providers for different types of bike owners, we primarily considered each company’s selection of discounts and products. We also looked at satisfaction, complaints and financial stability ratings if available.

Read on for our top picks for best motorcycle insurance.

FAQs about motorcycle insurance

How can I reduce my motorcycle insurance bill?

One way you can reduce your motorcycle insurance bill is by taking advantage of discounts. Some typical discounts include multi-policy discounts, discounts for those who’ve taken a rider safety course and discounts for those who’ve installed an anti-theft device on their bike.

What factors impact the price of motorcycle insurance?

The premium you pay for your motorcycle insurance can be affected by factors like your riding location, age, experience, history of accidents and traffic violations, bike type and coverage selections.

Is motorcycle insurance legally required?

In most states, you must show proof of motorcycle insurance before registering your bike. If you ride without insurance or you don’t have proper coverage, the consequences can range from fines to jail time to getting your license canceled.

How we picked these insurers

We primarily considered availability, policy options and discounts in assessing providers of motorcycle insurance. Where applicable, we also looked at J.D. Power studies covering auto claims satisfaction and overall customer satisfaction regarding the purchase experience, data from the National Association of Insurance Commissioners (NAIC) on customer complaints, and A.M. Best ratings regarding financial health (not all insurance companies are evaluated by these organizations).

About the author: Warren Clarke is a writer whose work has been published by Edmunds.com and the New York Daily News. He enjoys providing readers with information that can make their lives happier and more expansive. Warren holds a Bac… Read more.