Best Bike Insurance Online: Top 5 Providers
- How We Chose the Top 5
- 1. Markel — Best Overall for Most Riders
- 2. Progressive — Best for Discounts and Customization
- 3. Geico — Best for Basic Coverage on a Budget
- 4. Dairyland — Best for High-Risk Riders
- 5. Nationwide — Best for Bundling and Full-Service
- What to Look for in an Online Bike Insurance Policy
- Tips to Save Money on Bike Insurance
- FAQ
Finding the best bike insurance online doesn't have to be a headache. With so many providers competing for your business, you can actually score better coverage at a lower price—if you know where to look. Below, I've rounded up the top 5 providers that consistently deliver on price, customer service, and claims handling. Whether you ride a cruiser, sportbike, or scooter, this guide will help you cut through the marketing fluff and pick a policy that fits your life.
How We Chose the Top 5
We didn't just pick names out of a hat. To rank the best bike insurance online, we looked at four key factors: price, coverage options, customer satisfaction, and ease of filing a claim. We also combed through thousands of user reviews and compared quotes for a sample rider (35-year-old, clean record, 2022 Honda Rebel 500). The providers that made the cut consistently scored high across the board—and none of them rely on gimmicks to win your business.
1. Markel — Best Overall for Most Riders
Markel has been insuring motorcycles for over 40 years, and it shows. They offer a long list of add-ons like roadside assistance, trip interruption, and even coverage for your riding gear. Rates are competitive, especially if you bundle with an auto policy. In our test quote, Markel came in about 15% below the national average. The online quote process is straightforward, and you can buy a policy in minutes without talking to an agent. If you want a solid, no-drama policy with plenty of extras, Markel is a safe bet.
2. Progressive — Best for Discounts and Customization
Progressive is a giant in the insurance world, and its motorcycle division is no slouch. What sets them apart is the sheer number of discounts—safe rider, multi-policy, pay-in-full, and even a discount for being a homeowner. They also let you customize your deductible and coverage limits more granularly than most competitors. The website is easy to navigate, and you can get a quote in under two minutes. One caveat: customer service reviews are mixed, so if you prefer a personal touch, you might look elsewhere. But for price-conscious riders who want to tweak every detail, Progressive is hard to beat.
3. Geico — Best for Basic Coverage on a Budget
Geico is famous for cheap car insurance, and its motorcycle policies are similarly wallet-friendly. If you just need liability coverage to get on the road legally, Geico often has the lowest rates around. They also offer decent discounts for military members and federal employees. The trade-off? Their motorcycle coverage options are more limited than Markel or Progressive—no trip interruption, for example. But if you're a casual rider who doesn't need bells and whistles, Geico can save you serious cash. Just be prepared to pay extra for roadside assistance.
4. Dairyland — Best for High-Risk Riders
Got a DUI or a few tickets on your record? Most insurers will jack up your rates or reject you outright. Dairyland specializes in high-risk riders, offering competitive rates even if your driving history isn't spotless. They also cover custom bikes, trikes, and scooters that other companies might shy away from. The online experience isn't as slick as Progressive's, but you can still get a quote and buy a policy digitally. If you've been turned down elsewhere, Dairyland is worth a look.
5. Nationwide — Best for Bundling and Full-Service
Nationwide isn't the cheapest, but it's a strong choice if you want to bundle your bike with home and auto insurance for a tidy discount. They offer generous coverage options, including OEM parts replacement and total loss coverage that pays for a brand-new bike if yours is totaled within the first two years. The claims process is well-regarded, and you get access to a network of local agents if you prefer face-to-face help. For riders who value convenience and comprehensive protection over rock-bottom prices, Nationwide delivers.
What to Look for in an Online Bike Insurance Policy
Before you click 'buy,' make sure you understand what you're getting. Here's a quick checklist:
- Liability limits: State minimums are often too low. Aim for at least 100/300/50 if you can afford it.
- Comprehensive and collision: If your bike is worth more than a few thousand dollars, you'll want both.
- Uninsured/underinsured motorist: Protects you if a hit-and-run driver causes an accident.
- Add-ons: Roadside assistance, trip interruption, and gear coverage are nice to have if you ride long distances.
- Deductible: A higher deductible lowers your premium, but make sure you can cover it out of pocket.
- Customer reviews: Check the Better Business Bureau and Trustpilot for claim handling experiences.
Also, don't assume the first quote is the best. Spend 10 minutes getting quotes from at least three providers. The savings can be substantial.
Tips to Save Money on Bike Insurance
Even the best bike insurance online can be made cheaper with a few smart moves:
- Bundle policies: Combine your bike with auto or home insurance for discounts up to 25%.
- Take a safety course: Many insurers offer a discount for completing a Motorcycle Safety Foundation course.
- Increase your deductible: Going from $250 to $500 can lower your premium by 10-15%.
- Pay annually: Monthly payments often come with installment fees. Pay in full if you can.
- Ask about low-mileage discounts: If you ride less than 5,000 miles a year, you might qualify.
- Keep your record clean: Tickets and accidents raise rates. Defensive driving pays off.
A little legwork upfront can save you hundreds over the life of your policy.
Frequently asked questions
Is it cheaper to buy bike insurance online?
Usually, yes. Online providers have lower overhead costs, and many pass those savings to you. You also avoid agent commissions. That said, some traditional insurers offer competitive rates online too, so it's worth comparing quotes from both types.
What is the best bike insurance online for young riders?
Young riders typically face higher premiums. Progressive and Geico often have the most affordable rates for riders under 25, especially if you bundle with a car policy or take a safety course. Dairyland is also a good option if you have a less-than-perfect record.
How much coverage do I need for my motorcycle?
At minimum, you need your state's liability requirements. But most experts recommend comprehensive and collision if your bike is financed or worth more than $3,000. Also consider uninsured motorist coverage and medical payments, since your health insurance may not cover all accident-related costs.
Can I get bike insurance online if I have a DUI?
Yes, but not every provider will accept you. Dairyland is one of the best options for high-risk riders, including those with a DUI. You'll likely pay more, but you can still get covered. Be honest about your record when getting quotes to avoid surprises later.
Does bike insurance cover theft?
Only if you have comprehensive coverage. Liability alone won't pay to replace a stolen bike. Comprehensive also covers vandalism, fire, and weather damage. If you park your bike on the street or in a high-theft area, comprehensive is a must.