Root Motorcycle Insurance

Root does not currently offer motorcycle insurance. Here’s what to know.
Written by Rebecca Wardell
Reviewed by Kathleen Flear
Root is currently focused on the personal vehicle industry and does not currently sell motorcycle insurance.
If you’re looking to insure your new (or used) motorcycle, there are lots of providers out there to choose from, but Root isn’t one of them. Let’s dive in and discuss where you can turn to find the coverage you need. 
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Does Root offer motorcycle insurance?

No, Root does not sell motorcycle insurance coverage. Root currently only provides
car insurance
Motorcycle insurance through Root is not currently available, but there are other providers you can choose from. On average, Jerry users pay $562 annually to insure their motorcycles. The cost of insuring your bike will depend on a number of factors, including the provider you choose, your age, riding experience, gender, driving record, the type of bike, age of the bike, and where the bike is stored.

How to save on motorcycle insurance

Although Root doesn’t currently offer motorcycle insurance, if you decide to go with another provider, there are often discounts you can look for to help lower your motorcycle insurance costs. 
Discounts may vary in name and availability based on which provider you choose, but here are some major examples: 
  • Multi-policy discount: If you opt to have your
    car insurance
    renters insurance
    , and boat, RV, or motorcycle coverage through the same provider, you can often save on all policies.
  • Multi-unit discount: There are often discounts available for buyers who insure more than one motorcycle with the same insurance provider.
  • Anti-theft device discount: Some providers will offer discounts for buyers who get an approved alarm system professionally installed.
  • Responsible driver discount: Some providers will offer a discount for riders who have no accidents or violations for a given period of time.
  • Safety course: Riders who have taken an approved motorcycle safety course can often receive a discount.
  • Membership discounts: Discounts are also offered to members of the Harley Owners Group or members of the United Services Automobile Association (USAA).
  • Transfer discounts: Some companies will offer a discount if you transfer your insurance from another company to theirs.
MORE: Essential tips for motorcycle winter storage

The cheapest motorcycle insurance companies

Root might not offer motorcycle insurance, but you still have lots of other options. Here are our picks based on the type of motorcycle owner:
  • Best overall:
    ($25 to $52/month) 
  • Best for sport bikes:
    ($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:
    ($49 to $55/month)
MORE: 10 ways to get cheap car insurance that’s actually good
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In almost all states, there are requirements for minimum liability coverage for motorcycles. In all states except Florida, you’ll need to show proof of motorcycle insurance before you can even register your bike and get a license plate.
Generally, yes. Motorcycles tend to be cheaper to insure than cars. Motorcycles are generally cheaper to repair and replace, they cause less damage when at fault, and are generally not driven in inclement weather. 
If motorcycle insurance is more expensive than car insurance, it is usually because the motorcycle being insured is high-end or luxury.
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