We reviewed leading motorcycle insurers on pricing, coverage breadth, customer service reputation, and claims handling to help you compare beyond just the advertised rate.
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Largest US Motorcycle Insurer
Progressive covers every bike category from cruisers to sport bikes to custom builds, with $3,000 in custom parts coverage standard (expandable up to $30,000), accident forgiveness, and a disappearing deductible. Founded in 1937, it's the largest motorcycle insurer by market share and available in all 50 states, with generally competitive rates across most rider profiles.
Strong for Clean-Record Riders
GEICO isn't always the cheapest option, but offers highly customizable coverage and a 10% discount for MSF or military safety course completion. Its policies don't automatically bundle extras younger riders may not need, keeping base pricing competitive, though some popular upgrades like OEM parts coverage aren't offered.
Best for Harley Owners Specifically
Rated the top insurer specifically for Harley-Davidson motorcycles thanks to dependable service and coverage options tailored to the brand's bikes. Pricing runs somewhat higher than generalist insurers, but the specialized fit is valuable for genuine Harley owners.
Frequently Cheapest for Full Coverage
Dairyland regularly ranks among the cheapest options for full coverage nationally, making it worth comparing directly against Progressive and GEICO especially for riders prioritizing full coverage over the lowest liability-only rate.
How to Use These Reviews
Don't rely on brand reputation alone — get an actual quote from at least 3-4 of these providers for your specific bike and profile, since real pricing can differ meaningfully from general reputation. Consider Progressive, Nationwide, Allstate, or GEICO if customer service and low complaint volume matter most to you, since these consistently score well on that front across independent surveys.
Frequently Asked Questions
Progressive, Nationwide, Allstate, and GEICO consistently receive fewer complaints than other major insurers, making them solid choices when service quality matters as much as price.
It specializes in and is optimized for Harley-Davidson bikes specifically, though it may insure other brands too — its real strength and value proposition is for genuine Harley owners.
Use them alongside objective data — AM Best financial strength ratings, NAIC complaint ratios, and J.D. Power satisfaction scores — rather than relying solely on scattered individual reviews, which can be unrepresentative.