Travelers Motorcycle Insurance
Travelers offers motorcycle insurance through its partnership with Dairyland. Coverage options can start as low as $6 per month.
Written by Melanie Krieps Mergen
Reviewed by Kathleen Flear
Travelers offers motorcycle insurance coverage through its partnership with Dairyland. Standard coverages include liability, collision, and comprehensive coverage, and rates can start as low as $6 per month.
Motorcycle insurance is no less important than car insurance—but fortunately, it tends to be a lot cheaper. The challenge comes with finding a provider that offers the coverage you’re looking for at the best available price.
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes Travelers offer motorcycle insurance?
Travelers doesn’t offer motorcycle insurance coverage of its own, but you can still find a motorcycle insurance policy through their partnership with leading provider Dairyland.
And it can be seriously cheap, too—according to Travelers, Dairyland motorcycle insurance policies can start as low as $6 per month, which comes out to $72 per year. A standard policy will typically include:
- Collision coverage
- Comprehensive coverage
- Bodily injury liability coverage
There are additional coverage types you can add to your policy, including replacement cost coverage and rental reimbursement.
To find out how much a policy would cost you based on the coverage you’re looking for, you can get a quote online via the
Travelers website
or by calling InsuraMatch (an insurance agency owned by Travelers) at 1-888-390-8428.Cost
Motorcycle insurance tends to be significantly cheaper than the average car insurance policy. The cost of a motorcycle insurance policy through Travelers and Dairyland could cost as low as $72 per year.
But the actual cost of your motorcycle insurance will vary depending on your state and the level of coverage you choose.
Beyond that, various factors like your age, experience level, motorcycle type, driving record, accident history, and past insurance claims will all play a role in how much you’ll pay for motorcycle coverage.
Coverage options
Through Dairyland, Travelers offers most standard coverages that motorcycle enthusiasts are looking for, including standard liability coverage,
collision coverage
, and comprehensive coverage
. Optional add-ons are also available and can serve as added conveniences amid the unexpected.Here’s a look at your main coverage options with motorcycle insurance through Dairyland:
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
Pays for others’ medical expenses after an accident if you’re found at fault | You change lanes without looking and collide with another biker. Your BIL coverage will pay for their medical costs up to your policy limit. | Yes | Most states will require you to have a minimum amount of BIL coverage—check your own state laws to be sure. | |
Collision coverage | Pays for damage to your own bike after an accident. | You ram into a small tree, busting your light. Your policy helps cover your repair costs. | Yes | Collision coverage is typically optional, but it’s especially ideal for newer and high-value bikes. |
Comprehensive coverage | Pays for damage to your motorcycle after events other than collisions, including severe weather, theft, or vandalism. | You collide with a deer on an evening ride on the highway. Your comprehensive coverage through Dairyland helps you pay for repairs. | Yes | Comprehensive coverage is also optional but typically recommended unless your bike is older and has very little value. |
Replacement cost coverage | Helps you pay for a new bike if your current one is totaled after an accident. | An accident on the highway leaves your motorcycle a total loss. Your replacement cost coverage helps you buy a new motorcycle to replace it. | No | This coverage is optional for bikes that are three years old or newer. |
Roadside assistance | Provides 24/7 towing and roadside services, such as towing, gas delivery, tire services, or fluid services, after an unexpected breakdown. | You end up with a flat tire 20 miles from the next town. Roadside assistance can help you fill it up, tow it, or swap it out so you can get on your way. | No | If you’re a frequent traveler, roadside assistance can provide you with some added peace of mind on your next road trip. |
Covers the cost of a rental vehicle if your motorcycle is at the auto shop for an extended period after a covered insurance claim. | Your motorcycle is your primary way of getting around, but it’s in the shop for covered repairs. In the meantime, your rental reimbursement coverage will help you cover the costs of a rental vehicle. | No | This coverage can be especially convenient if your motorcycle is your main method of transportation. | |
Optional/special equipment coverage | Covers damage to custom or special equipment that didn’t come standard with your vehicle. | Adding personal touches to your motorcycle is part of the fun of owning it—but your customized handlebars were damaged after your motorcycle was tipped over. This coverage pays for that damage based on the value it added to your bike. | No | This coverage is most worthwhile for riders who take their custom upgrades seriously. |
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How to save on Travelers motorcycle insurance
Motorcycle insurance is relatively inexpensive as it is. However, if you decide to purchase your motorcycle insurance by way of the Travelers-Dairyland partnership, there are plenty of discounts available that could help you save even more on your premium.
- Multi-cycle discount: If you insure more than one motorcycle, scooter, moped, or other eligible vehicle through Dairyland’s motorcycle insurance coverage, you could qualify for a discounted rate.
- Multi-policy discount: If you also pay for additional types of insurance through Travelers, such asauto insurance,homeowners insurance, or renters insurance, you could see a discounted rate on each policy.
- Loyalty discount: If you’ve had your motorcycle insurance through Dairyland for more than a year, you might qualify for a discount.
- Rider group discount: If you’re part of a motorcycle club or association, you could qualify for an insurance discount. You can browse eligible rider groups to see if yours makes the list during the quote process.
- Safety course discount: Looking to ride safer and save money doing it? Taking an approved motorcycle safety course could get you a discount on your insurance policy.
- Transfer discount: Make a switch to your policy from another provider, and you could get a discount on your motorcycle insurance from Dairyland.
MORE: Essential tips for motorcycle winter storage
The cheapest motorcycle insurance companies
The Travelers-Dairyland partnership is far from your only option when it comes to finding coverage for your motorcycle. The best provider will depend on your budget and what you’re looking for in a policy.
Here are some of the best providers in the motorcycle insurance biz based on different factors:
- Best all-around: Progressive ($25 to $52/month)
- Best for high-value bikes: Markel ($35 to $69/month)
To find the best option for you, it’s always a good idea to seek out quotes from multiple providers and compare your options.
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FAQs
Is it cheaper to insure a motorcycle than a car?
The typical motorcycle insurance policy is significantly cheaper than the average car insurance policy. For comparison, motorcycle insurance costs about $240 per year on average, while the average rate for car insurance is about $1,600 per year.
Is it worth it to insure a motorcycle?
Most states require by law that you have at least a minimum amount of liability insurance to drive your motorcycle legally. Beyond what’s legally required, additional coverage can provide extra layers of financial security, and collision and comprehensive coverage are especially ideal for newer and more valuable bikes.
What types of insurance does Travelers provide?
Travelers offers a wide range of insurance options for both individuals and businesses. For individuals, that includes car insurance, homeowners insurance, renters insurance, umbrella insurance, boat and yacht insurance, and more.
Additional types of insurance coverage, including motorcycle insurance, travel insurance, and pet insurance, are also available through its insurance partners.
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