What are the best motorcycle insurance companies in USA? Riding a motorcycle is a thrilling and amazing experience, but ensuring your safety while on an adventure is equally important. And to do this, all you need is a motorcycle insurance quote.
However, choosing the right insurance company for your motorcycle can be an overwhelming experience due to the vast number of companies available in the United States. But fret not, as we’ve got you covered.
In this blog post, we have simply analyzed and curated a list of the 10 best motorcycle insurance companies. So, to discover them and know which is best for you and your vehicle, we implore you to sit back and stick with us until the end.
Why You Should Get Motorcycle Insurance Coverage
Motorcycle insurance offers coverage for personal injuries, damages caused to your bike, and others, depending on the policy you choose.
Using one for your motorcycle even while you embark on a two-wheeled adventure is necessary because it saves you from unforeseen expenses and accidents in case of any damage. Yes, it does!
It just depends on the policy purchased. Any damage done is taken care of by the company, except that it isn’t part of the coverage.
And to get the best services and the best coverage options, you need the best insurer. So, find out some of the best below and protect yourself alongside your motorcycle.
What Does Motorcycle Insurance Cover?
When searching for insurance for your motorcycle, you should opt for companies that offer the following coverage:
- Comprehensive and collision coverage
- Bodily harm.
- uninsured motorist coverage.
- Property damage.
Additional coverage includes:
- Roadside assistance.
- Custom equipment and parts coverage
- Riding gear coverage.
If you find motorcycle insurance companies in the United States of America that provide coverage options like this, you can check them out and get more information about them, including reviews, before proceeding to purchase a quote.
Things to Consider When Choosing A Motorcycle Insurance Company
If you are making plans to purchase motorcycle insurance, here are some things to consider when you want to choose a company to insure your motorcycle with:
- Discounts and benefits.
- Personal injury protection.
- Coverage options.
- Comprehensive coverage.
- Policy elimination.
- Helmet and accessory coverage
- Roadside assistance.
- Uncovered motorist coverage
- Liability protection.
- Original equipment manufacturer (OEM)
- Collision insurance.
However, while considering the above, keep in mind that standard motorcycle insurance coverage may differ according to additional coverage options and state law.
10 Best Motorcycle Insurance Companies in the USA
Here are the 10 top-rated motorcycle insurance companies in the USA. You can explore the list to find the perfect one for yourself and your motorcycle.
Foremost
Foremost is the overall best motorcycle insurance company in the United States of America. It has a lot of positive reviews online, and the complaint level is very low.
They also have a wide selection of motorcycle insurance and discounts for customers. So, if you’ve got a motorcycle, you want to insure it to save you from unforeseen expenses and accidents. This company should be the first on the list to take a look at.
Their services are top-notch, and they’ve got the perfect insurance policy for your motorcycle.
Availability: 50 States and Washington, D.C.
Allstate
This is another insurance company with a low complaint level. What’s more, Allstate is great for discounts, and you can access their services nationwide. Equally important is if you need an insurance company with affordable coverage options and discounts. You can also use their services online at any time.
Availability: 50 States and Washington, D.C.
Nationwide
Nationwide is the perfect insurance company for safety gear coverage. The insurance company offers discounts and different coverage options.
You also get benefits and do not have to worry about anything because Nationwide is reputable, and reliable, and places customer satisfaction on their priority list.
Unfortunately, their services are not available nationwide.
Availability: 46 States and Washington, D.C.
American Family
One of the best motorcycle insurance companies in the United States of America is American Family.
This insurance company provides discounts to new and experienced riders. What’s more, they offer new vehicle replacement and gap insurance.
Additionally, the American Family is one of the most affordable places to purchase an insurance policy.
Availability: 19 states.
Progressive
If you are a military member looking for a good insurance company in the United States, we highly recommend Progressive.
Some of the services they provide include new vehicle replacement coverage, original equipment manufacturer (OEM), accident forgiveness, and many more. So, be sure to check out Progressive.
Availability: 50 States and Washington, D.C.
Erie
Erie is one of the highly recommended insurance companies for motorcycle owners. They are also good when it comes to collision repair.
According to Forbes, their collision repair grade is A-. However, their coverage offerings are average, but you can still buy quotes online. Lastly, the complaint level at Erie is low.
Availability: Washington, D.C., and 12 states.
Geico
Geico is one of the most popular rental companies in the United States. It is also the best motorcycle insurance company for young riders.
What’s more, Geico offers cheap rates, allows customers to make payments in installments, and offers different discounts. However, their coverage options are limited.
Availability: 50 states.
Markel
Markel is another good insurance company worth insuring your motorcycle with. And it is just the perfect company for mechanical breakdowns.
Markel provides repairs for damages that are unrelated to the crash. Customers also have the opportunity to save up to 10% just by using their services.
Availability: All states except North Carolina and California.
Dairyland
Next on our list is Dairyland. If you are a daily rider, Dairyland is the best company to purchase a quote from.
Apart from discounts, you also get access to comprehensive roadside assistance and rental reimbursement.
However, while the company is good and offers a remarkable insurance quote, it also has its drawbacks, which are its poor customer service and its expensive prices.
Availability: 50 states.
USAA
Another reputable company you could insure your motorcycle with is USAA. Besides, it is recognized as the best for military veterans. This is because it extends its services to online bikers with military ties.
Furthermore, USAA has different military-specific discounts, provides loan financing services for bikes, and even has the best customer service. So, if you are in the military, you could use this company and get the best services.
Availability: Washington, D.C., and all 50 states.
These are some of the best companies in USA to insure your motorcycle with. So, you can take a second look at the list to be sure of which is best for you. Then proceed to their official website for more inquiries and their price list.
