Riding a motorcycle can be dangerous. Stay safe on the roads, but also have the best insurance available when riding. See which companies don’t count claims smaller than $500 against you, give you a new bike if you had less than 2,500 miles, or even cover your protective equipment!


Progressive’s standard motorcycle coverage pays for repairs to your damaged motorcycle with new parts and no deduction for depreciation. Claims of $500 or less do not count against your record, and rates stay the same. A first accident does not count against you if you have been accident-free for four consecutive years.

These small benefits can be really helpful. For example, if you fall while making a defensive maneuver and skid one side of your bike. Getting that side fixed is usually ~$300-$400 so it will not count against you. Additionally, top of all of those benefits, Progressive also has a disappearing deductibles feature. What a disappearing deductible means is that for every claim free coverage period on your policy, Progressive will deduct 25% from your deductible all the way until 0%!

State Farm

State Farm offers coverage for a variety of motorcycles, including high cost classic and custom motorcycles, factory-built motorcycles, trail bikes, etc. Additionally, they offer emergency roadside assistance, protective gear coverage and coverage to pay for expenses when a trip is interrupted due to motorcycle damage or an accident.

State Farm values experience and so they offer a veteran rider discount. If you are a safe rider with minimal accidents, minimal claims, and have proof of coverage for over 5,10,15 years then you can get a unique veteran rider discount up to 20%!

Liberty Mutual

If your motorcycle is destroyed, Liberty Mutual coverage pays out for a bike that’s one year newer and/or has 2,500 fewer miles. Furthermore they offer new motorcycle replacement coverage, and reimburse you for a new bike. They also fully pay out when your motorcycle is stolen or destroyed within the first year.

Liberty Mutual has great coverage for new bikes, but they also offer great benefits for new riders in general. Liberty Mutual will not only cover the bike, but also offer discounts for safety courses as well as offer discounts on the policy for completed safety courses in the past 3 years.

Farmers Insurance

Collision insurance covers up to $1,500 of safety / protective gear and the comprehensive insurance covers up to $3,500 of additional equipment. There are several options available, including up to $7,000 in coverage for a transport trailer, trip interruption coverage, which pays for expenses if your trip is cut short or ruined due to your motorcycle.

Farmers Insurance will provide discounts for bundling your policy with at least 2 other policies for up to 10% off as well as for having taken safety courses, having airbags, having anti-lock brakes, and being a preferred operator. In certain cases, riders may also qualify for a discount on the safety courses that will get them a discount on their policies.


Geico offers some of the best coverage around. If you fall and slide on one side of your bike, Geico will also fix the other side to make sure the bike stays nice and balanced!

Here is a list of additional discounts that Geico offers:

  • Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
  • Up to 10% discount if you insure more than one motorcycle.
  • Up to 10% discount for mature riders.
  • Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
  • Up to 10% discount for completing a Motorcycle Safety Foundation or Military Safety Course.
  • Up to 20% discount if you are a current Motorcycle Safety Foundation instructor.
  • Up to 5% discount on your motorcycle policy if you also insure your car with GEICO.