Top 10 Bike Insurance Companies in the USA 2026
Motorcycle insurance is not just a legal requirement in most U.S. states — it’s essential protection for you, your bike, and your financial future. Whether you ride daily, enjoy weekend road trips, or own a high-performance sport bike, choosing the right insurer matters.
The United States has several large, reliable motorcycle insurance providers. Some focus specifically on bikes, while others offer motorcycle coverage alongside auto and home insurance. In this guide, we’ll break down the Top 10 Bike Insurance Companies in the USA, explain what each one offers, and help you decide which might fit your needs.
This guide is written in plain language so you can understand your options clearly.
What Is Bike Insurance?
Bike insurance (motorcycle insurance) typically includes:
- Liability coverage – Pays for damage or injuries you cause to others.
- Collision coverage – Pays to repair or replace your bike after an accident.
- Comprehensive coverage – Covers theft, fire, vandalism, and natural disasters.
- Uninsured/Underinsured motorist coverage – Protects you if another driver has little or no insurance.
- Medical payments coverage – Helps pay medical bills after an accident.
Different insurers specialize in different rider types — sport bike riders, cruisers, touring motorcycles, scooters, and even custom bikes.
1. State Farm
State Farm is the largest auto insurer in the U.S., and it also provides strong motorcycle insurance coverage nationwide.
Why riders choose State Farm:
- Large network of local agents.
- Reliable claims handling.
- Competitive pricing for standard bikes.
State Farm works well for riders who prefer face-to-face service instead of only online support. You can sit with an agent and customize coverage based on your riding habits.
Best for: Riders who value local support and long-term reliability.
Things to consider: Pricing varies by state and bike type.
2. Progressive
Progressive is widely known as one of the biggest motorcycle insurers in the country. In fact, it is often considered one of the leaders in motorcycle coverage specifically.
Why Progressive stands out:
- Strong experience in motorcycle policies.
- Covers custom bikes and high-performance motorcycles.
- Offers accessory coverage for helmets, riding gear, and custom parts.
- Competitive rates for many riders.
Progressive also offers online quotes quickly and has flexible coverage options.
Best for: Riders who want customizable coverage and good pricing.
Things to consider: Premiums depend heavily on riding history and location.
3. GEICO
GEICO offers affordable motorcycle insurance and works with partner underwriters in some states to provide coverage.
Highlights:
- Competitive pricing for standard motorcycles.
- Easy online quote system.
- Discounts for safe riders and military members.
GEICO is popular among riders who prefer a simple, digital-first experience without needing local agents.
Best for: Budget-conscious riders who want easy online management.
Things to consider: Custom bike coverage may be limited compared to specialty insurers.
4. Allstate
Allstate is another well-known name that provides motorcycle insurance across many states.
Why consider Allstate:
- Multiple discount options.
- Good for bundling (home + auto + motorcycle).
- Optional add-ons like roadside assistance.
Allstate is often chosen by riders who already have other policies with them.
Best for: Riders looking to bundle policies and save.
Things to consider: Premiums may be higher than some specialty insurers.
5. USAA (Military Members Only)
USAA consistently ranks high for customer satisfaction, but motorcycle insurance is available only to military members, veterans, and their families.
What makes USAA strong:
- Excellent customer service.
- Competitive pricing.
- Trusted brand among military families.
Best for: Eligible military riders.
Things to consider: Not available to the general public.
6. Nationwide
Nationwide provides solid motorcycle coverage with a strong reputation for reliability.
What riders like:
- Optional roadside assistance.
- Multi-policy discounts.
- Good claims service in many states.
Nationwide works well for riders who want steady coverage from a financially stable insurer.
Best for: Riders wanting reliable coverage with bundle discounts.
Things to consider: Rates may vary significantly by region.
7. Liberty Mutual
Liberty Mutual offers motorcycle insurance in many U.S. states and is known for flexible policy options.
Benefits include:
- Customizable deductibles.
- New bike replacement options (in some states).
- Discount programs.
Liberty Mutual may not be the cheapest everywhere, but it offers flexibility in coverage design.
Best for: Riders who want adjustable policy features.
Things to consider: Compare quotes carefully with competitors.
8. Farmers Insurance
Farmers Insurance provides motorcycle coverage through local agents nationwide.
Why some riders prefer Farmers:
- Personalized agent support.
- Custom coverage options.
- Accessory coverage available.
Farmers is a strong option for riders who like one-on-one guidance when setting up policies.
Best for: Riders who want personal agent assistance.
Things to consider: May cost more than online-only insurers.
9. Dairyland Insurance
Dairyland specializes in motorcycle insurance and is known for insuring riders who may have trouble finding coverage elsewhere.
What Dairyland offers:
- Coverage for high-risk riders.
- Flexible payment options.
- SR-22 filings available in many states.
If you have past traffic violations or need non-standard coverage, Dairyland can be a good option.
Best for: Riders with previous violations or unique coverage needs.
Things to consider: Rates can be higher depending on risk profile.
10. Markel Motorcycle Insurance
Markel is a specialty insurer focused heavily on motorcycles.
Why Markel stands out:
- Designed specifically for motorcycle owners.
- Good coverage for custom and vintage bikes.
- Flexible coverage options for part-time riders.
Markel often appeals to serious motorcycle enthusiasts.
Best for: Custom bike owners and seasonal riders.
Things to consider: Availability varies by state.
How to Choose the Right Motorcycle Insurance
Choosing the right insurer depends on several factors:
1. Type of Bike
Sport bikes, cruisers, touring bikes, scooters, and custom builds all carry different risk levels. Make sure the insurer covers your specific type.
2. Riding Frequency
If you ride only in summer, ask about lay-up policies (coverage during storage).
3. Coverage Limits
State minimum liability may not fully protect you. Consider higher limits for better financial protection.
4. Deductibles
Higher deductibles lower your premium but increase out-of-pocket costs after a claim.
5. Discounts
Ask about:
- Safe rider discounts
- Multi-policy discounts
- Military discounts
- Paid-in-full discounts
- Anti-theft device discounts
What Affects Motorcycle Insurance Rates?
Insurance companies calculate premiums based on:
- Age and experience
- Driving record
- Location (city vs rural)
- Bike engine size (CC rating)
- Type of motorcycle
- Credit history (in many states)
- Claims history
Sport bikes and high-performance motorcycles usually cost more to insure.
Tips to Lower Your Bike Insurance Premium
- Take a motorcycle safety course.
- Maintain a clean driving record.
- Bundle with auto or home insurance.
- Choose a higher deductible (if affordable).
- Install anti-theft devices.
- Store your bike securely.
Why Comparing Quotes Is Important
Even among the top 10 companies, prices can vary significantly for the same rider. One insurer may offer you $500 per year, while another quotes $900 for similar coverage.
Always compare at least three companies before deciding.
Final Thoughts
The Top 10 Bike Insurance Companies in the USA offer reliable coverage, strong financial backing, and different benefits depending on your needs. There is no single “best” company for everyone.
- Want strong customization? → Progressive or Markel
- Prefer local agents? → State Farm or Farmers
- Military rider? → USAA
- Need non-standard coverage? → Dairyland
- Want affordable digital management? → GEICO
The right choice depends on your bike, your riding style, and your budget.
Motorcycle insurance protects more than your bike — it protects your financial stability and peace of mind. Take time to compare quotes, read coverage details carefully, and choose a provider that fits your lifestyle.