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GEICO motorcycle discounts
| Discount | Up to |
|---|---|
| Motorcycle Safety Foundation or military safety course | 10% |
| Multiple motorcycles | 10% |
| Mature rider | 10% |
| Multi-policy (car or RV) | 10% |
| Policy transfer from another insurer | 10% |
| Renewal | 10% |
| MSF instructors | 20% |
| Anti-theft devices; defensive driver | Varies |
Source: GEICO motorcycle discounts page. Not all discounts can be combined, and amounts may have changed; confirm with GEICO.
Harley-Davidson Insurance discounts
- H.O.G. (Harley Owners Group) membership
- H-D Riding Academy New Rider Course or other safety training in the last five years
- Motorcycle endorsement and experienced rider
- New bike, multi-cycle and loyalty
- Home ownership and bundled H-D products
- Claim-free renewal and prompt payer
- Anti-theft devices such as alarms or LoJack
- Military and law enforcement
- Paid in full, which H-D says can mean savings of 50% or more for eligible riders
See our Harley-Davidson insurance guide.
Progressive: the disappearing deductible
Rather than a premium discount, Progressive reduces your collision and comprehensive deductible by 25% for each claim-free policy period until it reaches $0, in most states. It rewards safe riders with lower out-of-pocket costs if you do claim.
Discounts most insurers offer
- Safety course completion
- Bundling with car, home or renters insurance
- Multi-bike policies
- Mature or experienced rider
- Clean riding record
- Anti-theft devices
- Paying in full
- Association or club membership
Example: how discounts add up
Suppose a rider’s base premium is $600 a year. A 10% safety course discount brings it to $540. A 10% multi-policy discount, applied to the new total, brings it to about $486, and a 10% mature rider discount to about $437. That’s a saving of roughly $163, about 27%, rather than the 30% you’d get by simply adding the percentages, because discounts are usually applied one after another. Some insurers also cap total discounts. This is an illustration; actual discounts and how they combine vary by insurer and state.
Other ways to save
- Raise your deductible from $250 to $500 or $1,000.
- Use lay-up cover if you store your bike for winter; see our storage guide.
- Get your endorsement: MoneyGeek found Progressive charged riders without one 12% more.
- Choose a bike that’s cheaper to insure; see costs by bike type.
- Compare insurers; see our insurer comparison.
Frequently asked questions
What discounts are available for motorcycle insurance?
Safety course, multi-bike, bundling, mature rider, clean record, anti-theft, paid-in-full and membership discounts are the most common.
How much does a motorcycle safety course save?
GEICO offers up to 10% for completing an MSF or military safety course; other insurers offer similar discounts.
Can I bundle motorcycle and car insurance?
Yes. Most insurers offer a multi-policy discount; GEICO lists up to 10%.
Does Harley-Davidson Insurance offer a H.O.G. discount?
Yes. It discounts Harley Owners Group members, along with riders who complete H-D Riding Academy courses.
Do motorcycle discounts stack?
Many do, but not all. Compare the final premium for the same cover.
Sources
- GEICO – Motorcycle insurance discounts
- Harley-Davidson Insurance – Discounts
- Progressive – Motorcycle coverages
- Insurify – Motorcycle insurance (Feb 2026)
- MoneyGeek – Average cost of motorcycle insurance (Oct 2026)
Insurance prices, discounts and rules change often and vary by state. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.