, and boasts a reputation for top-notch customer service. Since Amica is a mutual insurance company, you may be eligible for a dividend policy that would give back an unused portion of what you paid over the year!

If you want excellent customer service from a company with a long track record, consider getting motorcycle insurance from Amica. Here’s everything you need to know!

MORE: All about Amica car and home insurance

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Does Amica offer motorcycle insurance?

Yes, Amica offers motorcycle insurance in addition to regular

car insurance

home insurance

, and more.

Amica motorcycle insurance includes the following:

Coverage for damages to your motorcycle

Liability coverage

Insurance covering you and any passengers

Amica also offers the following

insurance discounts

for their motorcycle policies:

Safety equipment discount

Reduced rates for multiple motorcycle policies

Special rates if you bundle your coverage

If you want to find out more, you can call Amica at 1-800-242-6422. Make sure you have the following information ready to request a quote:

Details about your motorcycle, such as the VIN, model, and year

Information about your driving history, like moving violations or suspensions

Your current insurance policy information, if you have any

MORE:

How to get motorcycle insurance without a license

Cost

On average, motorcyclists spend $60 a month on motorcycle insurance, but your rates can vary by provider, location, and several other factors.

When quoting you a policy, Amica will take into consideration your riding experience, the type of motorcycle to be insured, your credit history, where you live, and any past claims or traffic violations.

MORE:

Is a motorcycle cheaper to insure than a car?

Coverage options

With Amico insurance, you’ll get standard coverage options plus the chance to add on certain coverage types, including coverage that can help pay medical bills if needed for you or your passengers.

This table outlines some of the coverage types you can get with Amico motorcycle insurance:

Coverage	Description	Example	Included automatically?	Do I need it?
Bodily injury liability coverage	Covers injuries to people in other vehicles if you’re at fault in an accident.	You fail to yield and strike another motorcyclist, causing a broken arm. Your insurance will pay for their medical services, up to the policy limit.	No	Most states require it, but some don’t. It’s still recommended.
Property damage liability coverage	Pays to repair damages that you cause to other vehicles in an accident	You rear-end a vehicle in front of you, causing damage to the bumper and paint. Your insurance will pay for their repairs.	No	Not all states require it, but it’s advisable regardless.
Comprehensive coverage	Covers damages to your motorcycle resulting from a non-collision incident like theft, vandalism, or severe weather.	Someone tips over your parked motorcycle, damaging the body. Your comprehensive coverage will pay for the repairs.	No	It’s not legally required, but may be a good idea if your motorcycle is valuable.
Collision coverage	Pays for repairs or replacement if your motorcycle strikes another vehicle or object.	You change lanes without looking and get into a wreck with a car, totaling your motorcycle. Collision coverage will help pay for a replacement.	No	Not required, but worthwhile if your motorcycle has much value.
Uninsured motorist coverage	Pays for injury-related expenses when the other party in an accident doesn’t have enough or any liability coverage.	A car runs a red light and strikes your motorcycle. This coverage will help pay for upfront medical costs if the at-fault driver doesn’t have insurance.	No	Some states require uninsured motorist coverage.
Medical payments	Pays for medical bills incurred by you and any of your passengers in an accident, no matter who is at fault.	Your bike skids out on a curve and causes road rash to your passenger. Your MedPay coverage will take care of their related medical bills.	No	Not required, but a good idea if you ride your motorcycle frequently or you often have passengers.
Roadside assistance	Will give you a tow, a jumpstart, or gas delivery if needed when you’re on the road.	Your motorcycle runs out of gas on the interstate. Amica will send someone with a gas can so you can get back on the road.	No	Not required by law, but can deliver peace of mind.

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How to save on Amica motorcycle insurance

You can save on your motorcycle insurance by applying for Amica’s discount programs. Some of Amica’s discounts include:

Bundling: Bundle other types of policies—like home or auto—with your motorcycle policy for reduced rates on all of them.

Legacy: If you’re younger than 30, and your parents used Amica insurance, you might qualify for a legacy discount.

Accident-free: Do you have a driving record that’s free and clear of accidents? If so, you might get a cheaper price on your motorcycle insurance.

Anti-theft: Installing an anti-theft device on your motorcycle can help you save.

Paid-in-full: You can get a discount from Amica if you pay your entire policy upfront instead of waiting to pay in monthly installments.

AutoPay: Amica offers discounts for those who enroll in their AutoPay program.

Paperless: If you opt for electronic statements and correspondence, you’ll get a discount.

MORE:

What is a paid-in-full discount?

The cheapest motorcycle insurance companies

If you’re not completely committed to getting your motorcycle coverage through Amica, you have plenty of other great options to pick from. It’s advisable to comparison shop for insurance policies, and you can find

car insurance quotes online

pretty easily.

If you want a rundown of some other motorcycle insurance providers, we’ve picked out these five providers to consider:

Best all-around:

Progressive

($25 to $52/month)

Best for sport bikes:

GEICO

($28 to $51/month)

Best for high-value bikes: Markel ($35 to $69/month)

Best for teens:

Dairyland

($22 to $74/month)

Best for collectors:

Nationwide

($49 to $55/month)

MORE: 10 ways to get cheap car insurance that’s actually good

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FAQs

Is Amica a good insurance company?

Amica is well-reviewed by critics and consumer watchdogs. Among its stronger assets is the fact that it’s a mutual insurance company, entirely owned by policyholders. Further, customers have the option to buy dividend policies, which means that they might get a portion of their premiums back at the end of the year.

Why is motorcycle insurance so cheap?

Motorcycle insurance is often, but not always, cheaper than car insurance for a few reasons. Motorcycles are usually less expensive to replace than cars. And the damage caused to other vehicles by motorcycles is typically going to be significantly less than the damage caused by a car, SUV, or pickup truck.

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