If you’re looking for cheap bike insurance, Progressive has some of the most popular policies. Review coverage options for your dirt bike, moped, scooter, or cruiser with Progressive

motorcycle insurance

Progressive car insurance quotes

Does Progressive offer motorcycle insurance?

Yes, Progressive sells motorcycle insurance coverage in addition to standard car insurance.

A motorcycle insurance policy with Progressive starts as low as $79 per year for simple

liability coverage

. Standard benefits of a Progressive motorcycle insurance policy include:

Small accident forgiveness: Rates won’t increase for claims less than $500. Automatically included for all customers.

Large accident forgiveness: Rates won’t increase for any accident. Automatically included for policyholders who have been Progressive customers for at least four years and accident-free for at least three years.

To get a motorcycle insurance quote from Progressive, all you need to do is call 1-866-749-7436 and provide your bike’s make, model, and year. In order to purchase a policy, you’ll also need to know your motorcycle’s vehicle identification number (VIN).

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Cost

The cost of a Progressive motorcycle insurance policy varies from state to state ranges from as little as $13 per month to $35 per month or more.

Your age, riding experience, type of motorcycle, driving record, credit score, and history of accidents and insurance claims all have an impact on how much you’ll pay for motorcycle insurance through Progressive.

Coverage options

One advantage of a Progressive motorcycle insurance policy is the huge range of coverage options. In addition to standard liability insurance and full-coverage options like

collision coverage

and

comprehensive coverage

, Progressive offers competitive add-ons that aren’t widely available in the industry.

Check out the table below to review your coverage options with Progressive.

Coverage	Description	Example	Included automatically?	Do I need it?
Bodily injury liability coverage	Pays for injuries to others if you’re at fault in an accident	You run a red light and crash into another rider, who sustains a concussion. Progressive will pay their medical bills up to your policy’s BIL limit.	No	Check your state’s laws—BIL is required by law in most states.
Property damage liability coverage	Pays for repairs to other drivers’ bikes if you’re at fault in an accident	You lose control of your motorcycle and crash into another rider, damaging their bike. Progressive will cover the cost of repairs up to your policy’s limit.	No	Check your state’s laws—but it’s a good idea for any rider.
Comprehensive coverage	Pays to repair or replace your motorcycle if it’s stolen or damaged by fire, vandalism, or a collision with an animal.	You hit a deer on the highway and your bike is totaled. Progressive covers the actual cash value of the bike minus any deductible.	No	Not required by law, but worth it unless your motorcycle is very old or of little value.
Collision coverage	Pays to fix or replace your bike if it’s damaged in a collision.	You run into the highway guardrail and mangle your handlebars. Progressive covers the cost of repairs.	No	Not required by law, but worth it unless your motorcycle is very old or of little value.
Uninsured motorist coverage	Covers medical bills, lost wages, and bike repairs if you’re hit by an uninsured driver.	A car hits you, but the driver doesn’t have liability insurance. Unless they pay your damages out of pocket, Progressive will cover your costs up to your policy’s limits.	No	Check your state’s laws—UIM is required in some states and optional in others.
Medical payments	Covers medical bills for you and your passengers regardless of fault	Your friend is riding behind you and falls off your bike, breaking their collarbone. Progressive will cover their medical bills up to the limits specified by your policy.	No	Not required, but a good idea, especially if you don’t have health insurance.
Full replacement cost	Covers the cost of new replacement parts, not their depreciated value	Your motorcycle headlight is broken in a covered crash. The headlight was old and only worth about $30, but Progressive will cover the full cost of a new $80 replacement, minus any deductible.	Yes
Accessories and custom parts/equipment	Covers replacements for custom parts and accessories in collision and comprehensive claims	Those sweet custom wheels you just installed get destroyed in a highway crash. Progressive will cover the cost of replacing the custom part, minus any deductible.	$3,000 automatically included with collision and comprehensive	If you make a lot of custom upgrades to your bike, you should consider increasing your accessory coverage limit (you can go up to $30,000).
OEM parts	Covers repairs with OEM (original equipment manufacturer) or custom parts	If you have OEM or custom parts in your bike, Progressive will only use those parts for repairs.	Only with collision and comprehensive
Total loss coverage	Covers the full manufacturer’s suggested retail price for a new bike if yours is totaled	You bought a brand-new motorcycle for $20,000 and totaled it six months later. Progressive will give you the full cost of a new model, minus any deductible.	Only available for motorcycles less than one model year old on a new policy OR two model years old if renewing a total loss coverage policy	If you just bought an expensive new bike, this coverage is a good idea.
Roadside assistance and trip interruption	Covers free towing to the nearest repair shop anywhere in the US or Canada, plus up to $500 of trip interruption	You’re on a weekend trip in the Badlands when your motorcycle breaks down, stranding you on Highway 240. Progressive will tow your bike to the nearest shop and help you pay for a taxi, meals, and a hotel room (up to $500).	No	If you take frequent road trips away from home, roadside assistance can be a great safety net.
Carried Contents®	Covers personal belongings on your bike if they’re damaged in a covered incident	When you crashed into the guardrail, your phone shattered in your pocket. Progressive will cover the cost of a replacement.	No	If you carry expensive items, such as camping and hunting equipment, on your bike, this coverage is a good idea.
Vanishing deductibles	Removes 25% from your deductible for every claim-free policy period	You bought a policy with Progressive four years ago and selected diminishing deductible coverage. After four years accident-free, you won’t have to pay a deductible if you need to make a claim!	No	It’s not required, but this is a great way for safe drivers to lower insurance costs.
Enhanced injury protection	Up to $250 per week for up to two years to replace lost wages due to a covered injury; up to $25,000 in death benefits	You break your arm in a collision and can’t work for seven weeks. During that time, Progressive will send you $250 per week to replace your lost wages.	No	If you do a lot of high-risk biking, this coverage is worth it.

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How to save on Progressive motorcycle insurance

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

Multi-policy discount: If you also have

auto insurance

homeowners insurance

, or boat or RV coverage through Progressive, you can save on all your policies.

Responsible driver discount: If you have no accidents or violations for three years, Progressive will give you a discount on your premium.

Pay in full: Instead of making monthly payments, pay your whole annual premium in one lump sum for a discounted rate.

On-time payments: You’ll automatically get a discounted rate when you start a motorcycle insurance policy with Progressive and keep it as long as you make payments on time.

Safety course: Take an approved motorcycle, snowmobile, or ATV safety course, and you’ll get a discount on your rate.

Quote in advance: If you get a quote today and start your policy tomorrow (or next week), you’ll pay less than if you purchase same-day motorcycle insurance.

Automatic payments: Set up an electronic funds transfer (EFT) for autopay, and Progressive will lower your rate.

Membership discounts: Members of the United Services Automobile Association (USAA) and the Harley Owners Group get discounts from Progressive.

Switch from another company: If you switch your motorcycle insurance from another company to Progressive, they’ll reward you with a discounted rate.

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The cheapest motorcycle insurance companies

Progressive isn’t the only insurance company with cheap coverage for motorcycles—but for many drivers, it’s one of the cheapest. Check out the list below for our picks for every type of motorcycle owner:

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 GEICO or Progressive better for motorcycle insurance?

Progressive’s motorcycle insurance has an edge on GEICO’s thanks to standard benefits like OEM and custom parts coverage, but owners of high-performance sport bikes may find better rates with GEICO.

Is it cheaper to insure a motorcycle than a car?

Yes. The average rate for motorcycle insurance is about $240 per year, while the average car insurance rate is about $1,600 per year.

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