How to get low-cost motorcycle insurance

If you're like most motorcycle riders, your passion is your bike. But that doesn't mean you want to spend a fortune to insure it. Good news — motorcycle insurance doesn't have to be expensive, even if you prefer to hit the road with maximum coverage. Many motorcycle insurers, including Progressive, offer discounts and other opportunities to help you get a lower motorcycle insurance premium.

4 min to read
Motorcyclist riding down the road, leaving dollar bills in his dust

Keys to getting the lowest cost motorcycle insurance

Here are several ways to lower motorcycle insurance costs 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 country's No. #1 motorcycle insurer for many reasons, including our several discounts that help our riders save. We offer motorcycle insurance discounts for everything from quoting in advance to paying your policy on time and in full.

Person riding a motorcycle with a dog

3. Customize your coverages to your bike and situation

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

4. Increase your deductible

You can lower the cost of your motorcycle insurance policy by increasing your deductible for comprehensive and collision coverage, assuming you're willing to pay more out of pocket if you have a claim.

5. Combine policies

Progressive and other insurers offer a multi-policy discount when you bundle motorcycle insurance with other types of policies, including auto, renters, condo, boat, and RV insurance.

6. Keep your policy current

Remove any riders listed on your motorcycle policy that no longer drive your bike. Make sure to update your address if you've moved — your cost for motorcycle insurance may change with your ZIP code.

7. Avoid motorcycles with modified engines

Adding a turbo and nitrous oxide kit or modifying your bike's engine can make your bike riskier and could increase the cost of your motorcycle insurance.

Motorcycle crashing into a tree

8. Pick an insurer offering accident forgiveness

At Progressive, 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. Learn more about accident forgiveness at Progressive.

9. Choose a vanishing deductible option

If you join Progressive, we'll subtract 25% from your deductible for every policy term that you don't file a claim with our "disappearing deductibles" feature. 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. And we won't stop there. If you keep riding accident-free, you could lower your deductible to $0.

Keep in mind that adding our disappearing deductible feature will increase the cost of your policy but could save you money if you have an accident down the road.

Pro tip:

If you already have motorcycle insurance, check your existing policy for discounts your insurance company provides. Additionally, look over your coverage selections and determine if you're paying for protection you don't need. If you're new to motorcycle insurance, choose an insurer that can offer cheap motorcycle insurance without compromising on the coverages that best protect your bike.

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