Progressive vs GEICO at a Glance
| Feature | Progressive | GEICO |
|---|---|---|
| Average full-coverage rate* | About $23/month | About $36/month |
| Custom parts & accessories | $3,000 included with comp/collision; up to $30,000 available | Not specified as a standard amount; ask when quoting |
| OEM (original) parts on repairs | Included with comp/collision | No OEM parts coverage |
| Riding gear | Up to $3,000 for gear damaged in a covered collision | Safety riding apparel and stored gear coverage available |
| New-bike total loss replacement | Optional (bike up to 1 model year old on a new policy) | Optional, for an added premium |
| Roadside assistance | Optional, with up to $500 trip interruption | Not listed on GEICO's motorcycle page |
| Disappearing deductible | Optional: 25% off for each claim-free policy period, down to $0 (not in all states) | Not listed on GEICO's motorcycle page |
| Best for | Most riders, custom and higher-value bikes, long-distance riders | Young riders, safety-course graduates, existing GEICO customers |
*ValuePenguin's 2026 full-coverage averages (comprehensive, collision and above-minimum liability). The national average in the same study was about $33 a month. Your own price depends on your state, age, riding record and bike.
Price: Progressive Was Cheaper for Full Coverage
In ValuePenguin's 2026 study of motorcycle insurers, Progressive averaged about $23 a month for full coverage, roughly $10 below the national average. GEICO averaged about $36 a month, slightly above average. That makes Progressive the better starting point on price for most riders who want comprehensive and collision cover.
Averages hide a lot of variation, though. Motorcycle premiums swing widely with engine size, bike type, where you live and your age, and some riders will find GEICO cheaper for their profile. Riders who only need state-minimum liability on an older, standard bike often see much smaller gaps between insurers. The only reliable way to know is to get a quote from both with identical coverage limits and deductibles.
Coverage: Progressive Includes More as Standard
Progressive
Progressive's biggest strength is what comes built in. Once you carry comprehensive and collision, the policy automatically includes:
- $3,000 of accessories and custom parts coverage, which can be raised to $30,000. That matters if you have added exhausts, seats, luggage or paint work.
- OEM parts: repairs use original manufacturer parts, or matching custom parts, rather than cheaper aftermarket substitutes
- No depreciation on parts during repairs
- Up to $3,000 for safety riding apparel (helmets, jackets and so on) damaged in a covered collision
Optional extras include total loss coverage for a new bike (pays MSRP if it is written off while new), roadside assistance with trip interruption cover, carried contents cover, a disappearing deductible and enhanced injury protection. The main gap ValuePenguin flags is that Progressive does not offer rental reimbursement on motorcycle policies.
GEICO
GEICO covers the core needs: liability, collision, comprehensive, medical payments or PIP, and uninsured/underinsured motorist. It also offers stored gear coverage, safety riding apparel coverage and optional total loss replacement based on a new bike's MSRP. It does not offer OEM parts coverage, which is a real drawback if you ride a newer or higher-value bike and care about original parts. ValuePenguin lists "limited coverage options" as one of GEICO's main cons.
Discounts Compared
GEICO's motorcycle discounts include multi-policy, safety course (Motorcycle Safety Foundation course), mature rider, anti-theft device, renewal and transfer discounts. ValuePenguin notes that young riders who complete an MSF or military safety course can save 10%, which is why GEICO is its pick for young riders.
Progressive's standout money-saver is the optional disappearing deductible. Each claim-free policy period cuts your deductible by 25%, until it reaches $0. Note that it is not available in every state.
See our full motorcycle insurance discounts guide for every discount worth asking about.
Customer Service and Complaints
Both companies show fewer complaints than expected for their size in ValuePenguin's comparison, which uses NAIC complaint data. Progressive's figure was about 35% fewer complaints than an average company of the same size. Neither has a meaningful service red flag, so price and coverage features should decide the choice.
Which Should You Choose?
Choose Progressive if…
- You want comprehensive and collision cover and want the lowest likely starting price
- Your bike has custom parts, upgrades or aftermarket accessories
- You ride a newer bike and want OEM parts used on repairs
- You tour or ride long distances and value roadside assistance with trip interruption cover
- You expect to stay claim-free and want your deductible to shrink over time
Choose GEICO if…
- You are a young or newer rider who has completed (or will complete) an MSF safety course
- You already have auto or home insurance with GEICO and can add a multi-policy discount
- You are a mature rider who qualifies for its mature-rider discount
- Your quote with identical coverage simply comes in lower
For most riders the sensible approach is to quote both, plus at least one specialist such as Dairyland, which ValuePenguin found cheapest overall at about $22 a month. Use the same liability limits, deductibles and accessory cover on each quote so you are comparing like for like. Our best motorcycle insurance guide and cheapest motorcycle insurance guide cover the wider field.
Frequently Asked Questions
For full coverage, Progressive averaged about $23 a month against GEICO's $36 in ValuePenguin's 2026 comparison. Individual quotes vary by state, age, bike and record, so compare both with the same coverage.
GEICO does not advertise a standard custom-parts amount and does not offer OEM parts coverage. If your bike has significant upgrades, ask exactly how much accessory cover is included. Progressive includes $3,000 automatically with comprehensive and collision, expandable to $30,000.
GEICO is often a good fit for young riders because completing a Motorcycle Safety Foundation or military safety course can cut 10% off the premium. It still pays to get a Progressive quote as well.
Yes, both offer it as an optional add-on. Progressive's version applies to bikes no more than one model year old on a new policy (two at renewal) and pays the manufacturer's suggested retail price, minus your deductible.
Sources: ValuePenguin, Best Motorcycle Insurance Companies (2026); Progressive motorcycle coverages page; GEICO motorcycle insurance page. Figures checked October 2026. See our editorial methodology.