How to get cheap motorcycle insurance

How to lower motorcycle insurance

The key to inexpensive motorcycle insurance is taking advantage of available discounts and choosing the right coverages to protect you and your bike. Here are several ways to lower your motorcycle insurance and still ride with peace of mind:

1. Complete a motorcycle safety course

Whether you’re a new rider or have years of experience, Progressive and many other insurers offer savings on your policy for completing a motorcycle safety program. Check with your state's department of motor vehicles for a list of approved safety courses.

2. Maximize all available discounts

Progressive is the No. #1 motorcycle insurer for many reasons, including our array of discounts that help our riders get affordable motorcycle coverage and save. We offer motorcycle insurance discounts for everything from quoting in advance to paying your policy on time and in full.

3. Customize your coverages & keep your policy current

Select only the motorcycle insurance coverages and limits you need. If you have paid your bike off, worth less than a few thousand dollars, or you ride a cheaper scooter or moped, it may not be worth paying for physical damage coverages. If you pass on motorcycle comprehensive coverage or motorcycle collision coverage, ensure you can afford the cost of repairing or replacing your bike if it sustains damage in an accident.

To keep your policy current remove any riders listed on your motorcycle policy that no longer operate your bike. Make sure to update your address if you’ve moved, as your motorcycle insurance rate may change with your ZIP code. Learn more about factors that impact motorcycle insurance cost.

4. Increase your deductible

You can get affordable motorcycle insurance by increasing your comprehensive and collision coverage deductible. Increasing your deductible assumes you're willing to pay more out of pocket if you have a claim.

5. Bundle motorcycle insurance with other policies

Progressive and other insurers offer a multi-policy discount when you bundle motorcycle insurance with other products, including auto insurance, renters insurance, and RV insurance. See more options for bundling insurance at Progressive.

6. Avoid motorcycles with modified engines

Adding a turbo or nitrous oxide kit or modifying your bike’s engine usually makes your bike riskier to ride and could cause the cost of motorcycle insurance to rise.

7. Pick an insurer offering accident forgiveness

With Progressive’s accident forgiveness, we won’t increase your rate if you have an accident claim for less than $500. If you stay with us for four years and ride accident-free, we won’t increase your motorcycle insurance rate for your first accident over $500.

8. Choose a vanishing deductible option

If you add this feature, we’ll subtract 25% from your deductible for every policy term you don’t file a claim with our disappearing deductibles. For example, if your deductible on collision insurance is $1,000 and you haven’t filed a claim by your next renewal, Progressive takes your deductible down to $750. If you keep riding accident-free, you could lower your deductible to $0.

Adding our disappearing deductible feature will increase the cost of your policy but could save you money if you have a future accident. The vanishing deductible feature is not available in every state.

Additional ways to lower motorcycle insurance

To get affordable motorcycle insurance, take advantage of additional discounts. For example, Progressive offers a discount for association members of the Harley Owners Group, or United Services Automobile Association (USAA) can receive a discount. Getting a valid motorcycle license or adding an endorsement to your driver’s license can also help you get a cheap motorcycle insurance rate.

Cheap motorcycle insurance shouldn't compromise the coverages for your bike. If you already have Progressive motorcycle insurance, switching to automatic billing will immediately lower your rates. When you switch to Progressive, our small accident forgiveness kicks in immediately, so your rates stay affordable even if you have a claim of $500 or less. Plus, our vanishing deductible option lowers your deductible for every claim-free period you have.