Best Motorcycle Insurance 2026 – QuoteMyInsure

✍️ QuoteMyInsure Editorial Team | 📅 July 07, 2026 | ⏱️ 10 min read

📌 Key Takeaway: The best motorcycle insurance companies in 2026 are Progressive, GEICO, Dairyland, Harley-Davidson Insurance, and Markel. Average motorcycle insurance costs $200-$500/year for most riders — significantly less than auto insurance. Comparing 3-4 quotes saves most riders $100-$200/year.

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Best Motorcycle Insurance Companies in 2026

🥇 Progressive — Best Overall Motorcycle Insurance

Largest Motorcycle Insurer in the US

Progressive is the largest motorcycle insurance provider in the US, covering more bikes than any other insurer. They offer the most comprehensive coverage options including custom parts and equipment, total loss coverage, and roadside assistance. Their Snapshot program available for motorcycle riders too.

Market share

All 50

States

Custom Parts

Coverage

A+

AM Best

🥈 GEICO — Best for Low Premiums

Consistently Cheap Motorcycle Rates

GEICO offers some of the most competitive motorcycle insurance rates available — particularly for experienced riders with clean records. Multiple discounts available including safety course, multi-policy, and mature rider discounts. Available in all 50 states.

🥉 Dairyland — Best for High-Risk Riders

Specialty Coverage for All Rider Profiles

Dairyland specializes in non-standard motorcycle insurance — making them the top choice for riders with violations, accidents, or coverage lapses who may be declined elsewhere. Also strong for older bikes and custom motorcycles that standard insurers may not cover adequately.

Motorcycle Insurance Costs in 2026

Bike Type	Liability Only	Full Coverage	Notes
Sport bike (600-1000cc)	$200-$400/yr	$800-$1,800/yr	Highest risk category
Cruiser (Harley, Indian)	$150-$300/yr	$400-$900/yr	Most popular coverage type
Standard / Naked bike	$100-$250/yr	$300-$700/yr	Good rates for commuters
Touring bike	$150-$350/yr	$400-$1,000/yr	Higher value — full coverage recommended
Scooter / Moped	$75-$200/yr	$200-$500/yr	Cheapest category

Motorcycle Insurance Coverage Types

Bodily Injury Liability: Pays for injuries you cause to others — required in most states
Property Damage Liability: Pays for damage you cause to others' property
Collision: Repairs or replaces your bike after an accident regardless of fault
Comprehensive: Covers theft, vandalism, weather damage, and non-collision incidents
Uninsured Motorist: Protects you when the at-fault driver has no insurance
Custom Parts & Equipment: Covers aftermarket accessories and custom modifications
Roadside Assistance: Towing and emergency roadside help

💡 Tip: If you only ride seasonally, ask about lay-up coverage — you can suspend collision and comprehensive during winter months while keeping liability active, saving 30-40% on your annual premium.

Insurer Comparisons

🆚 Progressive vs GEICO

Which is better for your bike

Motorcycle Insurance by State

California Texas Florida New York Pennsylvania Ohio Wisconsin Iowa South Dakota Arizona

Frequently Asked Questions

How much is motorcycle insurance per month?

Motorcycle insurance typically costs $15-$50/month for most riders with liability-only coverage, or $30-$150/month for full coverage depending on your bike type, age, riding history, and location. Sport bikes and high-value cruisers cost more to insure.

Is motorcycle insurance cheaper than car insurance?

Yes — motorcycle insurance is significantly cheaper than auto insurance for liability coverage. However, full coverage motorcycle insurance can be expensive for high-value or sport bikes since repair and replacement costs are substantial.

Do I need motorcycle insurance if my bike is stored?

Most states don't require insurance on a stored, non-operating motorcycle — but you should maintain comprehensive coverage to protect against theft, fire, and weather damage while in storage. Ask about lay-up or storage discounts to reduce costs during off-season.