In 2025, riders who want comprehensive coverage, affordable rates, and excellent customer service must select the best motorcycle insurance. The top insurance providers offer a variety of policy options, including liability, collision, and comprehensive coverage, along with specialized add-ons like roadside assistance and accessory protection.
Because of its affordable full-coverage policies and extensive customization options, Progressive continues to be a popular choice. It covers repairs using guaranteed OEM (original equipment manufacturer) parts, custom parts, and accessories. Dairyland motorcycle insurance is well-known for being affordable, making it an excellent choice for riders who are concerned about their finances but still want reliable protection.
Harley-Davidson Insurance offers customized policies that cover riding gear and accessories for Harley-Davidson motorcycles. Allstate stands out thanks to its flexible policies and strong customer support, which accommodate riders with varying requirements. Safeco offers excellent value with built-in benefits and discounts for experienced riders.
Progressive Insurance
Progressive is a standout in the motorcycle insurance industry, offering a range of customizable policies. Known for competitive rates, Progressive provides extensive coverage options, including liability, collision, comprehensive, and medical payments.
One of Progressive’s most valuable offerings is its “Custom Parts and Equipment” coverage, which protects aftermarket parts or customizations made to your bike. Additionally, Progressive offers discounts for safe riding courses, bundling with other insurance policies, and insuring multiple vehicles. Progressive also has strong customer service and is well-regarded for its claims process.
Geico Motorcycle Insurance
Geico is another industry leader with a solid reputation for motorcycle insurance. With affordable rates and a streamlined online experience, insurance. Geico also provides discounts for taking safety courses, insuring multiple bikes, or bundling policies.
Their mobile app and online claims system make the process easy, ensuring a quick and hassle-free experience for riders. Geico is especially praised for offering affordable rates for younger or new riders, who typically face higher premiums.
Allstate Motorcycle Insurance
Allstate offers extensive motorcycle insurance policies that cater to riders of all types. They provide standard coverage such as liability, collision, and comprehensive coverage, as well as unique options like roadside assistance and custom parts coverage. Allstate is known for its customer-centric approach, including a claims satisfaction guarantee.
Riders can also benefit from a range of discounts, including for safe riding and bundling policies. Additionally, their mobile app and easy-to-navigate website make managing your policy and filing claims a seamless experience.
State Farm Motorcycle Insurance
State Farm is one of the largest insurance providers in the U.S. and continues to provide top-tier motorcycle insurance for riders in 2025. State Farm’s motorcycle insurance covers a wide range of needs, including liability, collision, and comprehensive coverage, as well as optional coverages like medical payments and uninsured motorist protection.
State Farm also provides a multi-policy discount for riders who bundle motorcycle insurance with their car or home policies. For those who ride frequently or have more than one bike, State Farm offers flexible payment plans and affordable rates, making them a strong contender in the market for both new and experienced riders.
Liberty Mutual Motorcycle Insurance
Liberty Mutual offers robust motorcycle insurance coverage. Their motorcycle insurance policies include standard liability, collision, comprehensive, and uninsured motorist coverage, as well as specialized add-ons like custom equipment coverage, roadside assistance, and medical payments.
Liberty Mutual also offers unique benefits like diminishing deductible (where your deductible decreases each year you don’t make a claim) and a multi-policy discount for bundling motorcycle insurance with other policies. For riders looking for comprehensive protection and added perks, Liberty Mutual is a strong choice.
Nationwide Motorcycle Insurance
Nationwide provides excellent motorcycle insurance coverage with a focus on flexibility and value for riders. Their policies are highly customizable, allowing riders to select the right mix of liability, collision, comprehensive, and medical payment coverage based on their needs. Nationwide’s motorcycle insurance also includes custom equipment coverage and the option for roadside assistance.
Nationwide’s mobile app allows riders to easily manage their policies, file claims, and get quotes, making it convenient for those on the go. They also provide discounts for safe riders, anti-theft devices, and good driving history, making Nationwide a reliable option for motorcycle enthusiasts in 2025.
Harley-Davidson Insurance
For Harley-Davidson owners, the company’s motorcycle insurance program offers specialized coverage tailored to the needs of Harley riders. Harley-Davidson Insurance provides a range of coverage options, including liability, collision, and comprehensive coverage, with added benefits such as custom parts and equipment coverage, towing and roadside assistance, and replacement cost coverage for new motorcycles.
Harley riders can also take advantage of discounts for good driving records, completion of motorcycle safety courses, and multi-bike policies. With specialized coverage for Harley-Davidson motorcycles and a commitment to customer satisfaction, this insurance provider is ideal for those who own these iconic bikes.
Farmers Motorcycle Insurance
Farmers Insurance offers a broad range of coverage options for motorcycle riders in 2025, with policies designed to protect both the rider and the bike. Farmers Motorcycle Insurance provides traditional coverage options such as liability, collision, and comprehensive insurance, along with medical payments, roadside assistance, and custom parts coverage.
Farmers also offer umbrella insurance for added liability protection. One of its unique features is its flexible payment plans, which can help riders manage their premiums more effectively. Farmers also provide a multi-policy discount, rewarding customers who bundle their motorcycle insurance with other types of coverage.
The Hartford Motorcycle Insurance
Hartford is well-known for providing reliable insurance products, and its motorcycle insurance policies are no exception. They offer coverage for a wide variety of motorcycles, including cruisers, sports bikes, and touring bikes. Hartford’s motorcycle insurance includes liability, collision, comprehensive, and uninsured motorist coverage, along with a range of optional coverages like medical payments, custom equipment coverage, and roadside assistance.
Their policies also feature flexible payment options and a Safe Rider Program, which rewards customers for taking motorcycle safety courses. Hartford’s strong reputation for customer service and claims handling makes it a top choice for riders looking for dependable motorcycle insurance.
How to Choose the Best Motorcycle Insurance Provider in 2025
When selecting a motorcycle insurance provider in 2025, there are several factors to consider to ensure you get the best coverage at the right price:
- Coverage Options: Make sure the provider offers the coverage types you need, including liability, collision, comprehensive, medical payments, and custom equipment coverage.
- Discounts: Look for discounts that can help reduce your premiums, such as safe rider discounts, multi-vehicle discounts, and bundling discounts for other types of insurance.
- Customer Service: Read reviews and consider the provider’s reputation for customer service. A strong track record for handling claims efficiently is a good sign of a reliable insurer.
- Rates: Compare quotes from multiple providers to find the best deal for your specific motorcycle and riding habits.
- Specialized Coverage: If you have a high-end or custom bike, make sure the provider offers specialized coverage for accessories, customization, and replacement costs.
- Claims Handling: Check how easy it is to file a claim and how quickly claims are processed. A smooth and efficient claims process can make a significant difference after an accident or damage.
Frequently Asked Questions
What are the best motorcycle insurance companies in 2025?
Top providers include Progressive, Dairyland, Harley-Davidson Insurance, Allstate, and Safeco, offering various coverage options and discounts.
What type of coverage does motorcycle insurance include?
Policies typically cover liability, collision, comprehensive medical payments, and uninsured/underinsured motorist protection. Additional options include roadside assistance and custom parts coverage.
Which company offers the most affordable motorcycle insurance?
Dairyland and Progressive are known for budget-friendly rates, but the actual cost depends on location, motorcycle type, and riding history.
Does motorcycle insurance cover custom parts and accessories?
Yes, insurers like Progressive and Harley-Davidson Insurance offer accessory and custom parts coverage, but it may require an add-on.
Can I get discounts on motorcycle insurance?
Yes, standard discounts include safe rider discounts, multi-policy discounts, bundling with auto/home insurance, and loyalty rewards.
Does motorcycle insurance cover passengers?
Some policies include medical payments or guest passenger liability, but it depends on the insurer and policy type.
What is the average cost of motorcycle insurance?
The cost varies based on bike type, coverage level, location, and rider history, but whole coverage policies range from $200 to $1,000 per year.
Do I need motorcycle insurance year-round?
In most states, insurance is required year-round, but seasonal riders may qualify for lay-up policies that provide storage coverage during off-seasons.
Which insurance provider is best for Harley-Davidson owners?
Harley-Davidson Insurance offers specialized policies tailored to Harley riders, covering accessories and gear.
How can I find the best motorcycle insurance for my needs?
Compare quotes, check coverage options, consider customer reviews, and look for discounts to find the best fit for your budget and riding habits.
Conclusion
Selecting the right motorcycle insurance is essential for financial protection and peace of mind. Progressive, Dairyland, Allstate, Harley-Davidson Insurance, and Safeco are among the top choices in 2025, offering a balance of affordability, coverage options, and customer service. Riders can customize their policies with add-ons like roadside assistance, custom parts coverage, and medical payment protection. To reduce costs, riders should explore discount opportunities, such as bundling with home or auto insurance, maintaining a clean driving record, and taking safety courses.
