Motorcycle Insurance

Get the #1 bike insurance for as little as $75 per year*

We’re the #1 motorcycle insurance company

1 in 3 insured motorcycle riders choose Progressive

We didn’t become the best motorcycle insurance provider by just giving our riders “the basics.” You’re passionate about your bike, so we dig deeper to offer a wide range of coverages. Plus, we offer competitive rates with plenty of ways to save. Get a free quote, buy motorcycle insurance online, and get coverage today.

Specialized coverages we offer

Full replacement cost and no depreciation for parts

We’ll always return your motorcycle to pre-accident condition or better. Let’s say that your five-year-old front tire with 10,000 miles on it gets damaged. Based on the tread remaining, its depreciated value is $50, but you need a new one that costs $150. We pay the full $150 and not the depreciated value. That’s a real $100 difference.

Total loss coverage for a brand new bike

Available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a total loss coverage policy. If it’s totaled, we’ll give you the full MSRP for a brand new motorcycle, minus your deductible.

Let’s say that you bought a bike for $15,000, and it’s now only worth $10,000. If it’s totaled, and the latest model costs $15,000+, we’ll give you $15,000+. That’s a $5,000 difference. If your bike is no longer eligible for total loss coverage at renewal, your policy still covers the actual cash value for what it’s currently worth.

Coverage for gear and personal belongings

You can add coverage for just about all of the personal property you carry on your motorcycle if it’s damaged or stolen. This includes camping gear, safety gear, and even your phones.

Save when you start and when you need us

You can get motorcycle insurance starting at just $75 per year.* Plus, we offer a wide variety of coverages to keep you protected and lower your out-of-pocket costs if something happens. That means you can pay less now to start and during a claim.

Ways to save

Just get a motorcycle insurance quote online or on the phone, and we’ll automatically apply all your discounts. You can get a policy starting at just $75 per year.


Is your home, car, boat, or RV insured with us? You could save even more on motorcycle insurance if you have another Progressive policy.

Pay on time

The easiest way to save! We’ll give you this discount automatically with your first policy, and you’ll have it at every renewal as long as you continue to pay on time.


Got a home, mobile home, or condominium you own? Great! You got another discount, even if it’s not insured by us.

Specialized claims representatives who speak your language

If you need help, you’ll talk to a claims representative specially trained in motorcycle insurance. That means you can tell us that your fairing is damaged. We’ll know exactly what you mean and what you need. Plus, we have established relationships with dealers. You can get repairs straight from mechanics specially trained by your manufacturer.

If your motorcycle is legal, we’ll likely insure it

If it’s cool enough for you to ride, it’s cool enough for us to insure. Here are some of the common vehicles we insure:

Check out all of the different types of motorcycles we insure.

Something completely unique?

Try getting a motorcycle insurance quote online. If you don’t see your bike, just give us a call to complete your quote.