Cruisers are the most common type of motorcycle that we insure. They’re really your textbook motorcycle and make up about two-thirds of all bikes on the road. Cruisers usually include a V-twin, full view engine, swept-back and/or high handlebars with forward-set foot pegs and a stepped seat for two.
Getting cruiser insurance is about as easy as it possibly can be at Progressive. Just get a quote online or call us at 1-855-347-3939. We’ll most likely insure yours, and here are some of the most common cruisers we insure.
- Harley-Davidson (all models)
- Honda Shadow
- Kawasaki Vulcan
- Suzuki Boulevard
Customized cruisers: yes, we insure them
Many of our riders like to customize their cruisers, and we’re perfectly okay with that. We even have a special accessory coverage that pays for up to $3,000 worth of customized parts. The best part is that this coverage is automatically included with comprehensive and collision (physical damage coverage) and doesn’t cost you any more.
See more on our customized motorcycle insurance coverage.
Common cruiser insurance coverages our riders love
Progressive is the #1 motorcycle insurance company and a huge part of that is the protection you get for your motorcycle. We simply offer more unique coverages that just protect your bike better. Most of our coverages work perfectly for cruiser riders. Here are the most popular for cruisers. See all of our motorcycle insurance coverages.
Comprehensive & collision
About 50% of all our cruiser riders add this coverage. It’s a straightforward coverage and pays to repair or replace your bike if it’s stolen or damaged. Also, you get to pick your deductible (the portion of the claim you pay).
For example, if you have $2,000 worth of damages to your cruiser and a $1,000 deductible, you’d pay $1,000 and we’d pay the rest. Typically, the higher your deductible is the lower your cruiser insurance costs.
Full replacement cost and zero depreciation for parts
This is one of our coverages that really sets us apart and makes us the #1 insurer. We promise to always return your motorcycle to its pre-accident condition or better. For example, let’s say that your 5-year old front fender is damaged. Because it’s a used part, it’s only worth $100. But you really need a new one—and that new one costs $250. We pay the full $250 and not the depreciated value. That’s a real $150 difference.
Total loss coverage to get you a brand new cruiser
This is a coverage that you can add if your bike is no more than one model year old. If it’s totaled within three model years, we will give you the full amount for a brand new one. Yes, the full amount.
For example, let’s say that you bought a bike for $20,000, and it’s now only worth $10,000. If you have a total loss, it’s going to cost $20,000+ for a new cruiser. We’ll give you the full $20,000+ for the new model. In this situation, that’s a $10,000 difference for you.
If your bike is totaled when it’s outside the three-model year window, we will instead give you actual cash value for what your motorcycle is currently worth.
Roadside assistance and trip interruption
We’ve all been there before, stranded on the side of the road with no one to help. Add this coverage, and we’ll be there when you need us.
If you’re stuck or your cruiser is disabled, we’ll give you a tow to the closest repair shop for free, as long as you’re within 100 feet of the road. We even offer trip interruption to pay for your food and lodging expenses up to $500 if you’re away from home. To get trip interruption, you have to have roadside first and then add it.