With the open road ahead of you, the last thing you want to worry about is insufficient motorcycle insurance. As an avid rider, you understand all too well the underlying risks of the road. That’s why having the right motorcycle insurance is a must! Don’t let unexpected situations steal away your peace of mind as you navigate life’s winding roads.
But, with so many insurance options available, it can be tough to identify the best fit for you. Whether you’re an everyday commuter or a weekend warrior, it’s about finding a plan that effortlessly melds with your lifestyle. So, sit tight as we bring you the 10 best motorcycle insurance options, offering coverage from as low as $7 per month. Let’s ensure your ride is as smooth and protected as it should be!
Protect Your Ride with Affordable Coverage
As a motorcycle rider, protection is a top priority—not just for yourself but for your beloved vehicle as well. Affordable coverage is no longer beyond reach with a wide range of options in the market. But, how do you choose the best one for your needs and budget? We’re here to help!
A Wide Selection That Meets Your Needs
Today’s insurance market is diverse, offering a myriad of policies to consider. From collision to comprehensive and uninsured motorist coverage, the options can seem overwhelming. But with a little research and guidance, you’ll find the one that fits you best.
Research is Your Best Tool
It’s important to conduct thorough research before deciding on a motorcycle insurance policy. Compare the cost, coverage, and customer reviews for each policy. Remember, the cheapest plan may not always provide the best protection. It’s about finding a balance between cost and coverage.
Consult the Experts
You’re not alone in this search. Insurance brokers are available to guide you through the process, answering any questions you might have. They can provide customized recommendations based on your specific circumstances.
Consider Extras and Discounts
Many insurance providers offer extras such as roadside assistance and additional discounts if you bundle your coverage. Assess these benefits when making your decision. Over time, such features might save you significant money, while providing added convenience.
Periodically Review Your Policy
Your insurance needs may change over time. A yearly review of your policy ensures that your coverage remains aligned with your needs, helping you avoid overpayment. The key takeaways are:
Explore a wide range of policies, ensuring you understand the coverage they provide.
Use research as a guide, compare costs, coverage, and customer reviews.
Seek guidance from insurance brokers for tailored recommendations.
Consider the long-term benefits of extras like roadside assistance and discounts.
Regularly review your policy to ensure it still caters to your evolving needs.
10 Best Motorcycle Insurance: Coverage from $7/Month
1. Progressive:
Wide-Ranging Coverage:
Known for its extensive coverage, Progressive ensures your motorcycle is always secure. The options are diverse, catering to different needs.
Value for Money:
With a starting price of just $7/month, Progressive proves that quality motorcycle insurance doesn’t have to break the bank.
Ideal for High-Risk Drivers:
Among its many strengths, Progressive shines particularly bright in accommodating high-risk riders, offering coverage where many other companies might hesitate.
Top-tier Customer Service:
Dealing with insurance issues doesn’t have to be a headache. Progressive’s award-winning customer service team is always ready to help in a friendly and efficient manner.
Attractive Discounts:
From safety rewards to multi-policy discounts, Progressive treats its customers with a range of discounts that add value to their plans.
2. GEICO:
GEICO is a household name when it comes to insurance, and their motorcycle coverage doesn’t disappoint either. This insurance behemoth offers some beneficial features for riders who want to ensure they have reliable, hassle-free protection on their side. Here’s what makes GEICO a top contender:
Budget-Friendly Prices: GEICO is known for their competitive pricing, providing budget-savvy riders with excellent coverage options that won’t break the bank.
Best for Cautious Riders: GEICO rewards safe and experienced riders with lower insurance rates. Their accident-forgiveness feature is also a boon for those who prioritize safety on the road.
Top-tier Customer Support: A signature of this insurer is their excellent customer service. They’re always ready to help, offering supportive and timely guidance when riders need it most.
Impressive Discounts: GEICO provides a variety of discounts, including savings for safety courses, association memberships, and more. These discounts can reduce riders’ costs significantly over time.
3. Allstate:
Picture this: a household name in the insurance industry with a well-rounded suite of offerings tailored to protect your motorcycle. That’s Allstate for you. This highly reputable insurance provider is known for its comprehensive coverage plans that can fit just about any type of rider, whether you’re a daily commuter or an occasional weekend adventurer.
Assortment of Coverage:
With Allstate’s broad spectrum of coverages, you can truly shape a policy that matches your unique needs. Collision or comprehensive coverage? Check. Uninsured motorist protection? Of course. Coverage for customized parts? Absolutely. They even offer medical expense coverage, just to give you that extra peace of mind when you hop on your motorcycle for a ride.
Affordable and Fair:
Don’t worry about breaking the bank, as Allstate offers affordable premiums without compromising the quality of coverage. They understand the varying needs of riders; hence, fixed and flexible payment options are available to ensure affordability and convenience.
For All Riding Levels:
No matter the miles you’ve clocked on your motorcycle, from newbies to seasoned riders, Allstate has a plan for you. They acknowledge the different risks associated with various riding levels and adapt their offerings accordingly, making it a one-stop-shop for all rider insurance needs.
Customer Satisfaction is Top Priority:
Allstate’s commitment to providing top-notch customer service is undeniable. They consistently earn high ratings for their efficient claims process and helpful customer service representatives. So, whether you have a question or encounter an issue, you can trust that they’ll be there to assist you.
Discounts Galore:
Lastly, if you love a good deal, you’ll appreciate Allstate’s extensive list of discounts. Multi-policy, safe rider, or even simply paying your premium in full – there’s likely a discount that you can avail of. Allstate believes that good riders deserve rewards, and these discounts are their way of passing on the savings to you.
4. State Farm
State Farm stands as a strong competitor in the motorcycle insurance landscape. It’s not only one of the largest insurance providers in the US, but also one that values and understands the unique needs and risks of motorcycle owners.
Customizable Coverage:
State Farm provides a range of coverage options that can be personalized to fit each rider’s specific needs and budget. This includes liability, collision, and comprehensive coverages, along with coverage for custom parts, accessories, and safety gear.
Fair Pricing:
State Farm offers competitive rates for their motorcycle insurance policies, making them an attractive choice for riders looking for affordability without skimping on quality coverage.
Great for New and Experienced Riders:
State Farm’s offerings are not biased towards any specific type of rider. Whether you’re new to motorcycles or a seasoned rider, you’ll find a plan that caters to your needs and experience level.
Superb Customer Experience:
State Farm is well-regarded for its top-quality customer service. From signing up for a policy to making a claim, State Farm ensures a seamless, stress-free experience for its policyholders.
Bountiful Discounts:
By offering multiple discount opportunities, such as for multivehicle, accident-free, and anti-theft devices, State Farm aims to provide more value to its customers allowing for substantial savings on premiums.
5. Liberty Mutual:
Liberty Mutual firmly rides into our third spot when it comes to motorcycle insurance. Established over a century ago, it has grown to offer a variety of policies tailored to give riders a sense of security on the road.
Wide-Scope Coverage:
Liberty Mutual’s motorcycle insurance covers a range of situations, providing protection to your ride against theft, damage, and liability. Whether you’re an urban rider who loves the city buzz, or a long-haul rider in it for the peaceful routes, Liberty Mutual has a plan designed for you.
Competitive Rates:
With rates starting as low as $7/month, Liberty Mutual ensures that good protection needn’t be heavy on your wallet. Plus, they offer many opportunities for discounts, such as for bundling policies, taking safety courses, or simply for being a responsible rider.
Built for All Riders:
Liberty Mutual doesn’t differentiate between new and experienced riders. It offers plans for everyone, regardless of their motorcycle riding experience.
Quality Customer Service:
Liberty Mutual prides itself on top-tier customer service. With 24/7 supports available, you’ll enjoy peace of mind, knowing help is always just a phone call away.
Various Discount Opportunities:
From multi-policy and multi-bike discounts to safety course and riding club membership reductions, Liberty Mutual offers numerous ways to save. Its commitment to affordability is a part of its larger dedication to serve its diverse client base.
6. Nationwide:
Distinguished by its well-established reputation, Nationwide stands tall in the realm of motorcycle insurance. Apart from providing robust coverage options, what sets Nationwide apart is its unwavering commitment to deliver top-notch customer service and its unprecedented flexibility when it comes to tailoring a policy that perfectly fits your riding and financial needs.
Diverse Coverage Options:
From collision and comprehensive to customized parts and roadside assistance, Nationwide effortlessly caters to a diverse array of customer needs, ensuring your motorcycle is adequately protected in all scenarios.
Competitive Pricing:
As one of the industry’s key players, Nationwide keeps affordability at the forefront. The insurer is known for fair pricing, but what truly enhances value for money are its plentiful discount opportunities, allowing you to save more without compromising coverage.
Perfect for All Riders:
Regardless of your motorcycle type or riding experience, Nationwide has got you covered. It provides insurance solutions for a wide range of motorcycles, making it a go-to choice for both novice and seasoned riders alike.
Excellent Customer Service:
Nationwide shines bright in customer service. The insurer is praised for its prompt claim processing, helpful support staff, and swift problem resolution, reaffirming its commitment to ensuring a smooth customer experience.
Remarkable Discounts:
With Nationwide, saving on your motorcycle insurance is a breeze thanks to its diverse range of discount options. From multi-policy and multi-vehicle to responsible riding and anti-theft discounts, you can rack up substantial savings with Nationwide.
7. USAA:
USAA stands proud as a renowned provider of insurance products, offering motorcycle insurance that comes with a stellar reputation for customer service. This insurance titan caters specifically to the needs of military members and their families, delivering a suite of coverages with competitive rates.
Extensive Coverage:
USAA offers an all-encompassing selection of coverage options, ensuring your peace of mind as you ride off into your next adventure. From collision and comprehensive coverages to uninsured motorist protection, you can tailor your plan to your unique needs.
Affordable Rates:
Known for its budget-friendly insurance packages, USAA provides comprehensive motorcycle insurance from just a few dollars per month. All without compromising on the level of protection offered to its customers.
Specialized for Military Members:
Truly distinctive, USAA tailors its services to those who have served, with a fine-tuned understanding of the particular insurance needs of the military community. A gesture that accentuates their dedication to those who dedicate their lives to serve the nation.
Outstanding Customer Service:
The consistent praise for USAA’s customer service is no accident. From the enrollment process to the claim filing, you’re guaranteed a smooth and satisfying journey under the umbrella of their customer care.
Generous Discounts:
USAA appreciates your trust and rewards your loyalty with an array of discounts. From safe rider and garaging discounts to savings for military installations, a USAA policy offers the potential for significant money-saving opportunities.
8. Markel:
Markel positions itself as a specialist in motorcycle insurance, providing unprecedented coverage for riders across the nation. They pride themselves on understanding the unique needs and lifestyle of bikers, and they offer coverage that reflects this expertise.
Specialized Coverage:
From cruisers and touring bikes to sport and dirt bikes, Markel delivers specific plans to accommodate different motorcycle styles. This ensures that you have optimal coverage based on your bike’s specifications and your riding habits.
Competitive Rates:
“Markel aims to provide affordable motorcycle insurance options, ensuring optimum protection without straining your budget.”
Niche-market Expertise:
The company’s deep understanding of the motorcycle industry, paired with years of experience, facilitates the creation of tailored insurance plans that effectively insulate riders from potential risks.
Premium Customer Service:
Markel’s commitment to providing superior customer service is manifested in their quick response time, diligent claim processing, and friendly support team ready to assist customers at all times.
Abundant Discount Options:
Markel provides a plethora of discount opportunities, including multi-unit, renewal, and safe driver discounts, among others. Riders can make substantial savings while enjoying superior coverage and peace of mind.
9. Esurance:
Founded in 1999 and part of the Allstate family, Esurance has firmly established itself as a modern solution for the tech-savvy rider seeking simplicity and efficiency. Exceptional digital tools and a straightforward online platform set Esurance apart in the insurance marketplace. While primarily digital, customer needs aren’t neglected, making for a balanced blend of technology and personal touch.
Convenient Online Platform:
Esurance shines when it comes to the digital experience, with a user-friendly website and intuitive mobile app. These tools make managing your policy, filing claims, and accessing support a stress-free process, all from the comfort of your home or directly from your smartphone.
Competitive Pricing:
Esurance hits the mark for competitive pricing, particularly for those who capitalise on its selection of discounts. With a few smart moves, enhancing your coverage while keeping costs down can be within easy reach.
Tailored for Technophiles:
As pioneers of online insurance, Esurance caters perfectly to contemporary riders comfortable with digital tools. This means it particularly appeals to those who prefer managing their policy autonomously, anytime, anywhere.
Solid Customer Service:
Despite having a digital focus, Esurance maintains a commitment to quality customer service. It offers 24/7 support via phone, ensuring human assistance is still available when required.
Multiple Discounts:
Policyholders can lower their insurance spend significantly through Esurance’s varied discounts. By bundling policies, installing anti-theft devices on your motorcycle, or even simply owning a home, extra savings are available
10. Safeco:
Safeco Insurance, a member of the Liberty Mutual Group, stands as an established provider of motorcycle insurance. With its rich history dating back to 1923, Safeco is known for its comprehensive coverage options suitable for every bike, from cruisers to sports models.
Comprehensive Coverage:
Safeco offers a variety of coverages, including liability, medical payments, collision, comprehensive, and uninsured/underinsured motorist. One notable feature is custom parts and equipment coverage that safeguards add-ons and upgrades to your bike.
Cost-Effective Solutions:
Despite the excellent coverage, Safeco keeps premiums affordable. They provide a host of discounts, such as responsible driver, safety course, and multi-policy discounts, allowing you to save more.
A Welcoming Community:
Safeco embraces riders of all types and experiences. Whether you’re a newbie finding your wheels or a seasoned biker, Safeco has options to meet your needs.
Award-Winning Customer Service:
Often lauded for its customer service, Safeco ensures a smooth claims process and immediate assistance when you need it. Their around-the-clock support has earned them many positive reviews.
Impressive Discounts:
Safeco doesn’t skimp on discounts – from safe riders to safety course completions, there’s bound to be a deal that suits you.
Conclusion
No matter your riding style or experience level, the ideal motorcycle insurance policy is within your reach. Whether it’s the wide-ranging coverage offered by Progressive, the tech-savvy convenience of Esurance, or the military-exclusive benefits of USAA, there is an avenue to cover your motorcycle needs. Discount options from each provider can make these high-quality insurances even more affordable.
Remember, the best insurance for you balances coverage, cost, and customer service to match your personal requirements and budget. By consulting experts, periodically reviewing your policy, and considering extras, you’ll keep your ride protected, your wallet intact, and your mind at ease.
