6 Best Motorcycle Insurance Agencies

Motorcycle insurance

Motorcycle insurance protects your motorcycle and pays out when there is a claim made on the bike. Most people are required to have this type of insurance because some places require it. The price ranges from a few hundred to thousands per year, depending on where you live and if you want extra coverage or discounts.

Reviews of the top 6 motorcycle insurance companies

Progressive is one of the best insurance companies because they are very tolerant of accidents and they are also capable of replacing broken parts.

Progressive Insurance

Tripp offers accident forgiveness, the option to choose different replacement parts, and free coverage for accessories. The longer you go without making a claim, the more generous your deductibles will be.

Progressive offers more coverage than other auto insurance companies, including total loss coverage for new motorcycles, up to $3,000 in coverage for items you carry with you (which no other company on this list does), and enhanced injury protection.

With Harley-Davidson, you can insure your first bike and get loans or extended service plans in the same place. Harley-Davidson is a company made to make life easier for new riders.

Harley-Davidson Motorcycle Insurance

Harley-Davidson is a different company from the others on this list because it specializes in motorcycle insurance. You can find your first bike’s insurance here, especially if it’s a Harley. You can save even more money by combining these features with their discount for taking a motorcycle safety course.

Harley Davidson doesn’t have many discounts and only has a narrow range of motorcycle types. With Progressive, you can get a wide range of motorcycles with extra coverage such as total loss and replacement equipment coverage.

Foremost is the best motorcycle insurance company for track racers. It’s the only company on this list that will cover high-risk customers. If there is an accident on the racetrack, track-day coverage will pay for a bike.

Foremost is one of the 6 best motorcycle insurance agencies

Foremost Insurance has a few more offerings than Farmers Insurance. Contingent on the coverage you want, all plans provide reimbursements for helmets, but there are varying levels between Saver, Plus, and Elite plans.

The elite plan is more expensive for the first few years, but then has no deductible, higher rental benefits and covers vehicles that are old, unique, or slow.

Markel is the best company for mechanical breakdowns, since they fix broken parts even if they break down for no reason other than wear and tear. Markel is also one of few motorcycle insurance companies that won’t charge you for the first accident you caused and will lower your deductible if you don’t have any claims.


Markel offers programs like “accident forgiveness” and “decreasing deductible” (you pay 25% less each year until you don’t have to pay anything after four years). It also has all the standard motorcycle coverage options that most large insurers offer and some rare extras. Some of the rare ones are agreed-value settlements for custom bikes and coverage for mechanical failures, trailers, and funeral costs caused by a motorcycle accident.

The last one covers funeral costs up to a certain amount for any insured person riding an insured bike. The company also has an option for custom bikes called Agreed settlement. Nationwide is our top choice for motorcycle insurance for collections because it is one of the few companies that will cover up to 12 specialized bikes on a single policy, up to a high limit.

What to look for in Nationwide motorcycle insurance

Nationwide is the only company that offers collision coverage with a “vanishing deductible” feature. This company also offers the same, maximum coverage limits and free yearly policy reviews to make sure your policy still meets your needs.

It decreases your deductible by $100 if you don’t file a claim in that year, and you can carry up to $500 in your deductible. It has coverage for custom bikes, including tricycles. Nationwide has one of the most generous policies that cover 12 bikes with custom parts with a maximum of $30,000 for those parts and sheds a total of $50,000 for the bike itself.

Safeco is the best motorcycle insurance company that we have researched. They offer coverage for kit and homemade motorcycles, and they provide free replacement of parts.


Safeco is a Liberty Mutual company that offers insurance for all types of motorcycles including some built from kits or made at home. Safeco’s programs also arrive with roadside assistance and repairs guaranteed to be done with original manufacturer parts. Aside from these benefits, Safeco also lets you customize your policy with a few discounts and extra coverage options that the company will provide for you since the company is mostly agents. Call them to find out more!


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