Progressive Review: Cheap Motorcycle Insurance and Custom Bike Rates

Progressive motorcycle insurance legitimacy and licensing

Yes. Progressive writes its own motorcycle policies through its insurance subsidiaries, which AM Best rated A+ (Superior) with a stable outlook in May 2026. It says 1 out of 3 U.S. motorcycle riders choose Progressive, based on Ratefilings.com data, and it also underwrites the motorcycle policies USAA sells to its members.

For motorcycles specifically, the complaint record is good: ValuePenguin’s 2026 study found 35% fewer complaints than expected for Progressive’s size. Its company-wide BBB profile (B-) and Trustpilot score (1.2 out of 5) are weak, but most of those complaints are about car insurance.

How much is Progressive motorcycle insurance?

Progressive advertises liability coverageLiability coverage. Pays for injuries and property damage you cause to others. Compare motorcycle insurance companies from $75 a year for one motorcycle, before state fees and taxes. Its own customer data for May 2025 to April 2026 shows average liability-only premiums from $151.40 a year in Pennsylvania to $365.24 a year in Delaware.

Full coverage costs more. In ValuePenguin’s 2026 sample quotes, Progressive averaged $23 a month for full coverage, below the $33 study average and close to Dairyland ($22), and well under GEICO ($36) and Allstate ($37). Your rate will depend on where you live, your age and record, engine size, credit where allowed, and your deductible. Riders in colder states with shorter seasons usually pay less, per Progressive.

What Progressive motorcycle insurance covers

Liability is the base. With comprehensiveComprehensive. Covers non-crash damage such as theft, fire, vandalism and weather. Compare motorcycle insurance companies and collision, Progressive repairs with original manufacturer parts, covers up to $3,000 of custom parts and accessories (you can buy up to $30,000), and pays up to $3,000 for riding apparel damaged in a covered collision. Roadside assistance tows a disabled bike to the nearest repair shop if it is within 100 feet of a public road.

Optional coverage includes total loss replacementTotal loss replacement. Coverage that pays the price of a new bike instead of depreciated value if yours is totaled. Compare motorcycle insurance companies, which pays full MSRP for a bike no more than one model year old on a new policy (two at renewal); trip interruption up to $500; carried contents; and enhanced injury protection that pays up to $250 a week for two years if you can’t work, plus a $25,000 death benefit.

Progressive motorcycle discounts

Progressive lists 11 motorcycle discounts, not all in every state: quote at least a day in advance, multi-policy, association member (Harley Owners Group or USAA), motorcycle endorsement, approved safety course, switching from another insurer, responsible driver (no accidents or violations in three years), Safe and Steady Rider (45 or older with more than three years of experience and a clean record), pay in full, pay on time and automatic payments.

Claim-related perks include small accident forgiveness for claims of $500 or less from the start of the policy, and large accident forgiveness after four years as a customer and three accident-free years. Disappearing deductibles, an add-on, cut your deductible 25% for each claim-free period, down to $0.

Progressive motorcycle insurance complaints

Motorcycle complaints against Progressive are below average for its size in ValuePenguin’s analysis. Public reviews that do complain tend to focus on renewal increases, disagreements over total loss payouts and aftermarket parts, and slow adjuster replies. To protect yourself, keep receipts and photos of upgrades, buy enough custom parts coverage to match what you have put into the bike, and check the actual cash value you would get if the bike were totaled. If a dispute stalls, your state insurance department takes complaints at no cost.

Cancelling or pausing Progressive motorcycle coverage

You can cancel by contacting Progressive by phone or through your account; if you paid ahead, ask how much unused premium is refunded. Many riders drop to comprehensive only over winter rather than cancel, which keeps theft and storage damage covered and avoids a gap in coverage that can raise future rates. Progressive publishes a guide on cancelling coverage in winter, but its coverage pages don’t list a formal lay-up policy, so ask what is available in your state. Don’t ride on public roads without the liability coverage your state requires.

Who should look elsewhere

Owners of vintage or collector bikes often get better terms from a classic specialist with agreed value coverage. Riders with tickets or no prior insurance should also price Dairyland. USAA members should quote through USAA to get 5% member savings on the same Progressive policy, and GEICO auto customers may find a multi-policy discount makes GEICO competitive.