6 Best Motorcycle Insurance Companies for 2025

If you’re a motorcycle driver, you know there’s nothing like the feel of the open road. And you're in good company; around 8.8 million motorcycles are registered in the U.S., according to the Insurance Institute for Highway Safety (IIHS). 

Along with the sense of adventure and the freedom of the open road, driving a motorcycle can also be risky. Motorcycles are less stable and less visible than cars, and when they crash, riders have less protection than drivers of enclosed vehicles. The IIHS also estimates that the number of deaths related to motorcycle accidents is around 24 times more than those related to car accidents. 

Even if you walk away unscathed from a motorcycle accident, you'll likely have to deal with any damage or injuries you're responsible for if you caused the crash. What's more, you'll probably need to make some repairs to your own bike. That's why you need motorcycle insurance. It offers financial protection from the dangers of motorcycle use. 

What's more, you need insurance from a reputable motorcycle insurance company that will be there for you when you need it. We look at the top motorcycle insurance companies for 2025 below. And when you need help getting coverage, a local independent insurance agent can help you get the best coverage for your needs. 

The Six Best Motorcycle Insurance Companies for 2025

The best motorcycle insurance depends on your coverage needs, the type of motorcycle you have, your riding habits, and where you live. It's best to check out all of your options and get multiple quotes before you choose the carrier that's right for you. To help get you started, here's our take on the best motorcycle insurance companies in 2025:

• Best Motorcycle Insurance Overall: Progressive
• Best Motorcycle Insurance for Value: Safeco
• Best Motorcycle Insurance for Accident Forgiveness: Progressive
• Best Motorcycle Insurance for New & Young Riders: Allstate                                 
• Best Motorcycle Insurance for Military & Veterans: USAA
• Best Motorcycle Insurance for Custom & Vintage Bikes: Foremost

Best Motorcycle Insurance Overall: Progressive

When choosing an insurance company, you look for great service, affordability, coverage options, and customer service. Based on these factors, we picked Progressive for the top spot. The company is one of the biggest insurers of motorcycles in the U.S. In fact, according to their website, they insure one out of every three riders.

Progressive has been around for 85 years and offers great rates. A full-coverage policy from Progressive costs around $23 per month, or $276 per year, on average. 

In addition, all Progressive motorcycle policies with comprehensive or collision coverage include custom parts or original equipment manufacturer (OEM) coverage. This way, if your bike has OEM or custom parts, that’s what you’ll get if you need repairs.

Let’s look at what makes Progressive the leader of the pack.

AM Best Financial Strength Rating: A+

AM Best is a credit rating agency that focuses on the insurance industry and assigns credit ratings that assess an insurance company's creditworthiness and financial stability.

Coverage

Progressive offers coverage for a variety of bikes, including dirt bikes, mopeds, sport and custom bikes, vintage bikes, and other styles. They offer standard coverage that includes comprehensive and collision, uninsured/underinsured motorists, medical payments, OEM and custom parts, accessories, and more. 

On top of robust standard coverage, Progressive also offers motorcycle riders optional coverage like total loss coverage for a new motorcycle, roadside assistance and trip interruption, carried contents, and other valuable add-ons.

In addition to a convoy of standard and optional coverage offerings, Progressive offers a variety of discounts. Check with your independent insurance agent to see if you may be eligible, if you determine that Progressive motorcycle insurance is the right choice for you.

Pros and Cons:

Pros:	Cons:
Full replacement cost with no depreciation for parts	Some discounts not available in all 50 states
Lots of available discounts	Customer satisfaction rating lower than other top insurers
Low-cost liability-only coverage	Total loss coverage isn’t standard for a rider’s policy
Ability to bundle with other insurance policies	Towing coverage only applies if the motorcycle is within 100 feet of the road
Roadside assistance	Competitions or track days are generally excluded from coverage

Runner-up: Allstate

As their ads say, “You’re in good hands.” Allstate is a top insurer and offers many ways to customize your policy.

Best Motorcycle Insurance for Value: Safeco

Safeco took the top spot for the best motorcycle insurance value, providing many free features that other insurers typically offer at an added cost.

AM Best Financial Strength Rating: A

Safeco provides the standard coverage you need:

• Property damage and bodily injury liability
• Passenger liability
• Collision
• Uninsured motorist coverage

Safeco shines when it comes to discounts, and it offers some of the best savings in the industry, including discounts for riders who have had 12 months without a claim, multi-cycle discounts, and an experienced-rider discount.

Pros and Cons:

Pros:	Cons:
Lower-cost coverage	Online quotes not available
Full reimbursement for the value of Harley-Davidson motorcycles	Does not cover racing bikes or bikes with nitrous oxide kits
Discounts for bundling	Not available in all states
Discount for being claims-free for 12 months
24/7 roadside assistance and claims filing
Safety apparel coverage

Runner-up: Dairyland

Dairyland is owned by Sentry and is a solid option when you’re looking for low-cost insurance for motorcycles.

Best Motorcycle Insurance for Accident Forgiveness: Progressive

It’s common knowledge that getting into an accident can make your insurance rates go up. Progressive was the winner in this category because their coverage includes accident forgiveness benefits, which means your rates won’t increase if you have a claim of less than $500.

AM Best Financial Strength Rating: A+

Pros and Cons:

Pros:	Cons:
Full replacement cost with no depreciation for parts	Some discounts not available in all 50 states
Lots of available discounts	Customer satisfaction rating lower than other top insurers
Low-cost liability-only coverage	Total loss coverage isn’t standard for a rider’s policy
Ability to bundle with other insurance policies
Roadside assistance
Disappearing deductible

Runner-up: Markel

Markel specializes in motorcycle insurance and offers accident forgiveness, substantial discounts, and diminishing deductible programs.

Best Motorcycle Insurance for New and Young Riders: Allstate

Allstate is one of the largest insurers in the industry, and its motorcycle insurance is well-suited to new and young riders.

The company offers affordable policies and bundling discounts that can help further lower your costs.

AM Best Financial Strength Rating: A+

Allstate motorcycle insurance coverage includes:

• Property damage liability coverage
• Personal injury protection
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist bodily injury coverage
• Towing and labor coverage
• Rental reimbursement coverage
• Motorcycle and off-road vehicle transport trailer damage coverage
• Lease/loan gap coverage
• Optional or added equipment coverage

Pros and Cons:

Pros:	Cons:
Variety of coverage options	Below average customer service scores
First Accident Waiver at no extra cost
Covers motorcycles, scooters, and trikes

Runner-up: Harley-Davidson

A premier name in motorcycles, Harley-Davidson is a good choice for first-time riders and offers accident forgiveness.

Best Motorcycle Insurance for Military and Veterans: USAA

USAA is our top pick for motorcycle insurance for military members. This insurance company offers insurance to all U.S. military members, reservists, pre-commissioned officers, the National Guard, veterans, and their spouses and children.

AM Best Financial Strength Rating:  A++ 

USAA’s coverage includes:

• Property damage and bodily injury liability
• Collision and comprehensive
• Uninsured motorist coverage
• Medical payment provisions
• 24/7 roadside assistance

Pros and Cons:

Pros:	Cons:
Low-cost coverage	Available only to active-duty or retired military or a qualifying family member
Lots of discounts for USAA members including multi-vehicle discount and a good driver discount
Offers motorcycle loans and up to 100% financing
Excellent customer service

Runner-up: None

If you’re a veteran or in the military, you can’t beat USAA for price, coverage, and service.

Best Motorcycle Insurance for Custom and Vintage Bikes: Foremost

If you have a custom or vintage bike, you’ll want a company that understands your specific need for classic motorcycle insurance. We chose Foremost because their insurance policies are specifically designed for motorcycle enthusiasts, offering quality coverage at an affordable price.

The Vintage and Vintage Elite plans provide coverage specifically for bikes at least 25 years old that have been maintained or restored, and the Custom and Custom Elite plans provide coverage for limited production, one-of-a-kind motorcycles or bikes with more than $30,000 in optional equipment.

AM Best Financial Strength Rating: A

Foremost’s coverage includes:

• Property damage and bodily injury liability
• Collision
• Medical payment provisions
• Personal injury protection
• Passenger liability
• Helmet and safety apparel coverage
• Optional equipment coverage

Pros and Cons:

Pros:	Cons:
Covers bikes 25 years old or older	Coverage not available in Hawaii or Massachusetts
Covers custom motorcycles with more than $30,000 of customization	Online quotes unavailable for homemade or kit-assembled motorcycles
Multiple discounts offered

Runner up: Progressive

With higher coverage limits available, Progressive is also a good choice for people with custom or vintage bikes.

How We Selected the Best Motorcycle Insurance Companies

To determine the best insurance company in each category, we looked at coverage offered, rates, and available discounts. AM Best is a rating agency that analyzes companies based on their financial strength, and we included those ratings for each company selected.

Find Motorcycle Insurance With the Help of an Independent Insurance Agent

If you’re looking for motorcycle insurance, contact an independent insurance agent in your area for a personalized quote. They can help you find a policy that best fits your needs and budget.