Mercury offers both basic motorbike insurance and several policy add-on options, including comprehensive and collision coverage. You can mix and match to get the coverage you need.

Like any other vehicle, if you own a motorcycle, you have to insure it. Mercury offers a variety of choices, including brand-new bikes, three-wheelers, custom bikes, and more. Let's go over a few of your options for Mercury’s

motorcycle insurance

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Does Mercury offer motorcycle insurance?

Yes, Mercury has motorcycle insurance coverage in addition to regular car insurance. However, it might not be available in your area since the company only operates in 11 states at the moment.

Mercury’s motorcycle policy focuses on

liability coverage

, though you can add other options. There are a couple of things to keep in mind:

Your bike’s classification: make sure your motorcycle is given the correct classification; this will affect both your rate and how much coverage you can get. For example, if you have a vintage bike, you want the insurer to know this so they can properly assess how much you’ll be riding.

Accessories: include an itemized list if you’ve added items to your bike, like a sidecar or gear. You can get additional coverage for accessories, which can cost anywhere from $3,000 up to $30,000.

If you’re interested in finding out more about motorcycle insurance, you can call Mercury at (866) 810-3901. You’ll want to have info on your bike ready to go, like the make, model, year, and vehicle identification number (VIN). You can contact your existing agent if you already have a Mercury auto or

home insurance

policy.

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How to get motorcycle insurance without a license

Cost

Like insurance for any vehicle, your motorcycle insurance premium will depend on various factors, including your state, how old you are, the price of your bike, and your driving record.

Coverage options

You have several choices to make in terms of add-ons if you’re considering Mercury motorcycle insurance. Each state has minimum coverage you’ll be required to get for a motorbike, but you can add various additional coverages for a higher cost.

If you get Mercury motorcycle insurance, you have the following options:

Coverage	Description	Example	Included automatically?	Do I need it?
Bodily injury liability coverage	This will pay for medical costs for others involved in an accident.	If you are speeding and can’t stop in time before hitting a car, Mercury will cover other people’s medical bills up to your policy’s limit.	No	Most states require this insurance, but check your state’s laws to be sure.
Property damage liability coverage	This option helps with repairs for vehicles or property you damage.	If you slide off the road and run down someone’s fence, Mercury would help pay for the repairs to that fence.	No	Check on your state’s laws, but it’s often a requirement.
Rental vehicle	This can help you out if your bike is in the shop due to an incident covered by insurance.	Your bike is in the shop thanks to getting clipped. Mercury will help pay for renting a vehicle.	No	Not a state requirement, but it’s a good add-on.
Custom parts and accessories	If you modify your bike, you can insure the mods; this can be from $3,000 to $30,000 in coverage.	You added a trailer to your bike, but someone rams into it while you’re on the road. Mercury will help you pay for repairs or a replacement for the trailer.	No	Not part of a state minimum, but it gives some good backup coverage.
Uninsured motorist coverage	This kicks in if the driver who hits you doesn’t have insurance coverage.	An uninsured driver backs into your bike. Mercury will help cover your repairs.	No	Usually not a state requirement, but a good safety net.
Underinsured motorist coverage	This option will help you if the other driver’s insurance doesn’t cover much of anything.	An out-of-town driver skids into you thanks to an icy patch, but their state minimum covers almost nothing. Mercury will fill in some of those gaps.	No	Most states ignore this option, but it depends on where you live.
Medical payments	Accidents usually mean injuries that need treatment, so this deals with the medical side of things.	Your daughter is injured in a minor car accident on the bike. Mercury can help pay for those doctor bills.	No	A good backup to health care coverage, but not required by states.
Roadside assistance	This coverage will pay for the cost of roadside assistance services if your car breaks down en route.	You blow a tire out while on the road. You’ll get help to change that tire or towing to a repair shop.	No	Can be a good safety net, but you may want to consider a membership with a company like AAA instead.

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How to save on Mercury motorcycle insurance

Mercury offers a range of discounts that can help you lower the cost of motorcycle insurance, such as:

Anti-theft feature discount: if you have an anti-theft device installed in your vehicle(s), you might be able to save some money on your insurance.

Autopay discount: you can get a break on your bill if you set up an autopay option for your insurance premium.

E-signature discount: if you complete and sign paperwork electronically, you might get a discount for it.

Good driver discount: avoiding accidents or even speeding tickets for a set amount of time can save you some green.

Good student discount: if you’re between 16 and 25 and get at least a B average or higher on your grades, those good grades could cut your insurance costs down.

Multi-car discount: carrying insurance policies with Mercury for multiple vehicles will earn you this particular savings option.

Multi-policy discount: Mercury offers a variety of coverage options, like home, renters, and car insurance. If you have more than one type of policy with Mercury, you’ll get some of the cost shaved off on your bills.

Pay in full discount: if you can pay for an entire year’s coverage in one go, you can cut back on the overall cost of your premium.

RealDrive ®: you can earn a discount by meeting certain mileage requirements. You can automatically get a 5% discount just for signing up for this driver tracking program.

Mercury offers ways for most drivers to take advantage of discounts—talk to your agent to see which you qualify for.

MORE: Essential tips for motorcycle winter storage

The cheapest motorcycle insurance companies

Since Mercury only operates in a handful of states (or might not be your first choice overall), let’s review some of the most popular providers who offer motorcycle insurance:

All-around best: Progressive ($25 to $52/month)

Sport bikes coverage:

GEICO

($28 to $51/month)

High-value bikes: Markel ($35 to $69/month)

Teen motorcyclists:

Dairyland

($22 to $74/month)

Collectors:

Nationwide

($49 to $55/month)

Of course, your specific rate will depend on how much coverage you need, what type of motorcycle you have, and other factors.

Key Takeaway Mercury provides ample coverage options and discounts for motorcycle drivers but operates in a limited number of states.

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

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FAQs

Is Progressive or Mercury better for motorcycle insurance?

Mercury has some great options, like the accessory coverage, but Progressive has even more extra add-ons. Plus, Progressive is available in more than double the states Mercury is.

Is it cheaper to insure a motorcycle than a car?

Motorcycle insurance usually costs a fraction of what you pay to insure a car. On average, you might pay around $250 yearly if you have a bike but over $1,000 for a car. Big difference!

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