Motorcycle Insurance in the United States
Nearly every state that requires car insurance requires motorcycle insurance too — with a few rider-specific rules layered on top.
Top 10 Motorcycle Insurers in United States
Ranked by performance & user satisfaction
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| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
1
Progressive Insurance
|
Liability
Collision
|
Available in all 50 US states
Offers usage-based pricing option
|
|
|
2
Geico
|
Liability
Collision
|
Available nationwide
Online and mobile policy management
|
|
|
3
State Farm
|
Liability
Collision
|
Nationwide agent network
Online quote available
|
|
|
4
Allstate
|
Liability
Collision
|
Offers safe driving reward program
Digital policy management available
|
|
|
5
USAA
|
Liability
Collision
|
Eligibility restricted to military community and families
Available in all 50 states
|
|
|
6
Liberty Mutual
|
Liability
Collision
|
Available nationwide
24/7 claims support
|
|
|
7
Farmers Insurance
|
Liability
Collision
|
Agent network across the US
Multiple discount categories available
|
|
|
8
Nationwide
|
Liability
Collision
|
Usage-based pricing program available
Vanishing deductible option
|
|
|
9
Travelers
|
Liability
Collision
|
Gap insurance option available
Usage-based app offered
|
|
|
10
American Family Insurance
|
Liability
Collision
|
Available in 19 US states
Multi-policy bundle options
|
Progressive Insurance
Geico
State Farm
Allstate
USAA
Liberty Mutual
Farmers Insurance
Nationwide
Travelers
American Family Insurance
Full Motorcycle Insurance Directory
Exhaustive list of regional providers
| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
Progressive Insurance
|
Liability
Collision
|
Available in all 50 US states
Offers usage-based pricing option
|
|
|
Geico
|
Liability
Collision
|
Available nationwide
Online and mobile policy management
|
|
|
State Farm
|
Liability
Collision
|
Nationwide agent network
Online quote available
|
|
|
Allstate
|
Liability
Collision
|
Offers safe driving reward program
Digital policy management available
|
|
|
USAA
|
Liability
Collision
|
Eligibility restricted to military community and families
Available in all 50 states
|
|
|
Liberty Mutual
|
Liability
Collision
|
Available nationwide
24/7 claims support
|
|
|
Farmers Insurance
|
Liability
Collision
|
Agent network across the US
Multiple discount categories available
|
|
|
Nationwide
|
Liability
Collision
|
Usage-based pricing program available
Vanishing deductible option
|
|
|
Travelers
|
Liability
Collision
|
Gap insurance option available
Usage-based app offered
|
|
|
American Family Insurance
|
Liability
Collision
|
Available in 19 US states
Multi-policy bundle options
|
|
|
Mercury Insurance
|
Liability
Collision
|
Independent agent network
Online quote available
|
|
|
Erie Insurance
|
Liability
Collision
|
Rate lock feature available
Regional availability in Northeast and Midwest
|
|
|
Auto-Owners Insurance
|
Liability
Collision
|
Sold through independent agents only
Multi-policy discount options
|
|
|
The Hartford
|
Liability
Collision
|
AARP member programs available
Lifetime renewability option
|
|
|
NJM Insurance Group
|
Liability
Collision
|
Available in NJ, PA, CT and select states
Mutual company structure
|
Progressive Insurance
Geico
State Farm
Allstate
USAA
Liberty Mutual
Farmers Insurance
Nationwide
Travelers
American Family Insurance
Mercury Insurance
Erie Insurance
Auto-Owners Insurance
The Hartford
NJM Insurance Group
Motorcycle insurance in the US follows the same state-by-state structure as car insurance, but with additional requirements around licence endorsements and rider-specific coverage that don't apply to standard vehicles.
State Minimum Requirements
Most states require motorcycle liability insurance at similar minimum limits to passenger vehicles, with New Hampshire as the main exception. Beyond the legal minimum, insurers require a valid motorcycle licence endorsement (commonly an M-class endorsement) before issuing a policy at all.
Guest Passenger Liability
This covers injury to a passenger riding with you, and isn't automatically included on every policy. If you regularly ride with a passenger, confirm this is specifically included rather than assuming standard liability extends to cover them.
Custom Parts and Equipment Coverage
Standard comprehensive cover often excludes aftermarket modifications. Custom Parts and Equipment (CPE) coverage protects modifications specifically, and is worth adding if your bike has been customised beyond factory specification.
Seasonal Lay-Up Coverage
Riders in states with real winters often store their bike for several months. Some insurers offer reduced lay-up premiums for genuine storage periods when the bike isn't being ridden at all.
Key Guidance
Confirm Guest Passenger Liability and Custom Parts coverage specifically if either applies to you — neither is guaranteed to be automatically included. For the full picture on getting covered and filing a claim, read our complete guide.
In-Depth Guide
Motorcycle Insurance in the US: How to Get It and How to Claim It
Full application and claims process →
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