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Honest reviews of the best motorcycle insurance, reviewed and ranked on custom parts limits, starting premiums, local agent networks, and accessory coverage.
$30K custom parts
BestGuide scores every motorcycle insurance carrier on five criteria: Reputation, Services, Transparency, Customer Satisfaction, and Scalability. No provider can pay to improve its score; paid placement affects visibility only. See how we rate
Key Takeaways
Honest reviews of the best motorcycle insurance, reviewed and ranked on custom parts limits, starting premiums, local agent networks, and accessory coverage.
| Company | Rating | Maximum Custom Parts Limit | Starting Monthly Premium | Local Agent Network | Standard Accessory Coverage | |
|---|---|---|---|---|---|---|
| Up to $30,000 | From $6 | Digital and phone | $3,000 automatic | |||
| Up to $20,000 | From $34 | Centralized digital | $2,000 automatic | |||
| Flexible add-ons | From $12 | 19,000 agents | $3,000 automatic | |||
| Optional add-ons | From $15 | Independent brokers | Optional add-on | |||
| Flexible add-ons | From $16 | Partner network | $3,000 automatic |
As a leading motorcycle insurer in the country, Progressive includes automatic protections for accessories and offers impressive flexibility for customized rides at highly accessible entry rates. Their vanishing deductible programs also reward long-term safe riding habits with decreasing out-of-pocket costs.
Best for: Customized bikes on a budget
4.5/5
Backed by exceptional financial strength and decades of industry experience, Geico delivers affordable baseline premiums paired with reliable standard coverage limits for everyday riders. Their streamlined digital interface makes quoting and policy management incredibly straightforward and convenient.
Best for: Everyday riders wanting stability
4.1/5
With an immense network of local agents spread across the nation, State Farm offers highly personalized policy structuring and generous automatic protections for accessories and custom parts. Riders appreciate the dedicated, face-to-face support during the claims process and the ability to bundle coverages effortlessly.
Best for: Riders wanting a local agent
4.1/5
Dairyland specializes in affordable basic liability plans and SR-22 filings for riders with less-than-perfect driving histories or those struggling to find standard coverage. Their specialized approach ensures that high-risk individuals can legally and safely return to the road without exorbitant baseline fees.
Best for: High-risk riders needing SR-22
4/5
Exclusively available to military personnel, veterans, and their immediate families, USAA delivers unmatched value, low base rates, and robust standard accessory protections. Their deep understanding of military lifestyles translates into highly accommodating customer service and superior financial stability.
Best for: Military members and families
4/5
Nationwide allows riders to insure multiple motorcycles on a single policy, making it highly suitable for vintage collectors and families seeking bulk discount rates. They also offer high coverage ceilings for custom parts, ensuring your extensive aftermarket investments remain fully protected against loss.
Best for: Collectors with multiple bikes
3.9/5
Allstate provides substantial multi-policy discounts and includes standard custom equipment protection, making it a remarkably strong choice for individuals who already use their services for home or auto insurance. Their local agent network ensures you get the personalized advice you need when structuring your limits.
Best for: Bundling home and auto
3.5/5
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Our editorial team evaluates each company across more than 30 criteria, including pricing transparency, customer satisfaction scores, regulatory standing, and real-world performance data. Compensation, along with our review criteria, may determine which qualified companies we feature and the order in which they appear — see our advertising disclosure for details.
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