2017 RANKING & REVIEW
TOP RANKING BEST SITES TO COMPARE MOTORCYCLE INSURANCE
Protect Yourself with the Best Motorcycle Insurance
Cruising down the highway on your new (or new-to-you) motorcycle may sound like a dream come true.
Feel the wind on your face and the vibrations underneath you as you take in the scenery at a breathtaking pace. By this time, you want to have your motorcycle insurance issues far behind you.
According to the Insurance Information Institute, a motorcyclist is 27 times more likely than a passenger car occupant to be involved in a fatal accident per mile traveled.
The likelihood of injury is almost five times higher than that of a passenger vehicle occupant.
With all of these statistics readily available, it begs the question: do you have the best motorcycle insurance quote you could possibly have?
Award Emblem: Top 6 Sites to Compare Motorcycle Insurance Quotes
Gathering information to receive a motorcycle insurance quote online should be a walk in the park. With the ease of internet shopping, finding a good vendor for a motorcycle insurance comparison comes quickly. However, you should know which of these motorcycle insurance companies can offer the most competitive quotes and coverage.
To help you gain the security you need for your new motorcycle, AdvisoryHQ has put together this ranking of the best websites to receive a motorcycle insurance quote online. It won’t take you more than a few minutes to scroll through these selections and find the solution to your struggle.
If you’ve been searching for the best motorcycle insurance quote comparison, you won’t have to look any further than these sites to compare motorcycle insurance.
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AdvisoryHQ’s List of the Top 6 Best Sites to Compare Motorcycle Insurance
List is sorted alphabetically (click any of the site names below to go directly to the detailed review section for that motorcycle insurance comparison):
Top 6 Best Sites to Compare Motorcycle Insurance | Brief Comparison & Ranking
Websites for Motorcycle Insurance Comparison | Coverage | Highlights |
| Allstate |
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| DMV.org | N/A |
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| GEICO |
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| Progressive |
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| State Farm |
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| USAA |
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Table: Top 6 Best Websites for Motorcycle Insurance Comparison | Above list is sorted alphabetically
How to Select the Best Motorcycle Insurance
When you’re shopping around for top motorcycle insurance quotes, you should have a pretty good idea of what you’re looking for. Much like shopping for auto insurance, it’s important to compare motorcycle insurance before you make a commitment to any company.
What type of coverage should you spring for when you’re requesting a motorcycle insurance quote?
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Motorcycle insurance companies typically offer the four major categories of coverage:
- Collision: An online motorcycle insurance quote for collision coverage will pay the replacement cost of your motorcycle in the event of an accident (less the cost of your deductible).
- Comprehensive: This is pretty much full coverage motorcycle insurance. It will cover the cost of your bike if anything happens to it, including theft and animal collisions.
- Liability: Generally required, a liability motorcycle insurance quote will show you the monthly cost to pay for damages caused to others (both personal and property) when you cause an accident.
- Personal Injury Protection: Not available from all motorcycle insurance companies, personal injury protection will cover you and any passengers in the event of an accident. It does not usually matter who is at fault for the collision.
From this point, you will need to make a decision regarding how much you can spend upfront in the event that you need to use your motorcycle insurance quote. How much can you afford to spend initially in the face of an accident or a stolen motorcycle?
Your deductible is the amount of money that you will need to pay upfront before the coverage from your motorcycle insurance quote online will take effect. A lower deductible typically equates to higher motorcycle insurance rates. Likewise, a higher deductible correlates to lower monthly premiums when you look at a motorcycle insurance quote comparison.
As with most types of insurance, you may be able to find lower rates if you bundle your motorcycle insurance quote with other products. For example, keeping your motorcycle insurance with the same company as your homeowner and auto insurance could score you extra discounts.
These factors will be the first step toward gathering enough information for an accurate motorcycle insurance comparison. You should be aware of the type of coverage offered through the various motorcycle insurance companies (full coverage motorcycle insurance or liability only) to compare apples to apples.
Image Source: USAA
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AdvisoryHQ’s Selection Methodology
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Detailed Review – Top Ranking Sites to Compare Motorcycle Insurance
Below, please find the detailed review of each website on our list of motorcycle insurance companies. We have highlighted some of the factors that allowed these motorcycle insurance comparison websites to score so highly in our selection ranking.
Allstate Review
When you compare motorcycle insurance, Allstate is likely to be one of the options that comes up first. One of the largest four insurance companies for auto insurance, they offer an equally comprehensive online motorcycle insurance quote.
You can find coverage for your motorcycle in a range of different options. From bodily injury and property damage liability to personal injury protection, their motorcycle insurance quote can cover you in almost every circumstance. Take a look at a few of the policy options you’ll find from Allstate’s motorcycle insurance comparison:
- Medical payments
- Collision coverage (for other motorcycles or cars, trees, buildings, etc.)
- Comprehensive coverage
- Uninsured motorist bodily injury
- Towing and labor
For consumers who prefer to tweak their motorcycles to their personal tastes, you can also get a motorcycle insurance quote for later additions to your bike. Extra coverage can reach up to $30,000.
Advantages
With motorcycle insurance companies such as Allstate, you can even have your first accident waived. This waiver ensures that your premiums will remain the same under certain conditions.
In order for this to be applied, you and your bike must be covered under a policy for a minimum of 48 months with no other accidents. The driver also cannot be charged with major traffic violations in relation to the accident in order for this to apply.
Allstate also offers a host of ways to save on your motorcycle insurance quote, which is where they shine in a motorcycle insurance comparison. Consumers can earn discounts for maintaining multiple policies, having no major violations or accidents for 5 years, and completing a safety course.
DMV.org Review
While you cannot purchase motorcycle insurance directly through DMV.org, it is a great tool for motorcycle insurance comparison. If you have questions about specific types of coverage that are available in your area, this motorcycle insurance comparison website will allow you to see some perhaps lesser-known options.
First, this motorcycle insurance comparison does give you access to a host of resources regarding coverage amounts and types of policies. It can be a great starting point for someone who is just beginning their motorcycle insurance quote comparison. A few of the topics that are covered by DMV.org include:
- Minimum insurance requirements by state
- Guides to motorcycle insurance quote rates
- Detailed breakdown of types of coverage
- Comparing and saving money on potential quotes
Once you have a good idea of what you should be looking for in the best motorcycle insurance, you can move on to gathering specific quotes. All you need to do is enter your zip code into the box close to the top of the homepage. It will pull motorcycle insurance companies that cover your specific area so you can compare motorcycle insurance quotes.
Advantages
Some consumers may be leery of receiving quotes from motorcycle insurance companies via a third-party website. The major benefit to the service from DMV.org is that it simply shows you what is available. Once you can see all of the companies available for a motorcycle insurance quote comparison, you select a specific provider.
The link will take you directly to the website to receive a direct motorcycle insurance quote.
This prevents misinformation from the third-party site from influencing the premiums you can expect with your motorcycle insurance rates. However, the major disadvantage is that it does not allow you to compare motorcycle insurance prices side by side.
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GEICO Review
Most people have heard the advertisements: GEICO could save you 15% or more on car insurance. However, they offer the same potential for savings on their online motorcycle insurance quote program. This company is definitely one to consider in a motorcycle insurance comparison.
Their offerings range from liability to full coverage motorcycle insurance depending on what you need most. GEICO offers some unique programs that are not available through all motorcycle insurance companies. For a full list of the coverages offered on a quote, see below:
- Bodily injury liability
- Collision
- Comprehensive physical damage
- Medical payments, no-fault or personal injury protection
- Property damage liability
- Uninsured or underinsured motorist
One of the other major advantages when you use GEICO to compare motorcycle insurance is the discount offering. You can earn discounts for bundling services or maintaining multiple bikes, switching to GEICO, and renewing a policy. Experienced riders will also see a lower quote with discounts for experience and completed safety courses.
Payments
If you think your motorcycle insurance rates are more than you could pay upfront, take advantage of their flexible payment options. While some prefer to pay for their motorcycle insurance upfront, others will need to have it broken down. Through GEICO, you can pay on a monthly basis or set up intervals throughout the year.
You can pay your motorcycle insurance rates in four, six, or nine installments. Keep in mind that each payment could be subject to a fee for this service.
Progressive Review
Touting themselves as one of the top motorcycle insurance companies, Progressive holds an impressive amount of the market share. One out of every three riders opts to maintain their motorcycle insurance through this company. What makes Progressive one of the best motorcycle insurance companies?
Many consumers love the details included on their policies. They feature full replacement cost for parts, regardless of depreciation. New bikes under a year old (possibly two years under certain conditions) are eligible for total loss coverage.
Other types of coverage from Progressive include:
- Bodily injury and property damage
- Comprehensive and collision
- Uninsured or underinsured motorist
- Medical payments
Advantages
One of the major advantages to using Progressive for a motorcycle insurance comparison is their additional free coverage. Motorcyclists receive unlimited small accident forgiveness (anything under $500) without a change to your premiums.
Large accidents can occur once after four years of being accident-free on their policy with no change to your motorcycle insurance rates.
Progressive also offers consumers a lot of ways to earn discounts on their motorcycle insurance quote. Beyond the common discounts, Progressive issues savings for getting a motorcycle insurance quote in advance of the day the policy begins. You can also receive coverage for joining an association, owning a home, and paying up front.
For a full list of the potential discounts offered by Progressive, you can view the extensive list on their website.
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State Farm Review
State Farm motorcycle insurance is another aspect of the well-known insurance company that can cover your bike. Not only can they offer a motorcycle insurance quote, but they can cover almost any kind: classic, factory-built, or custom.
The simplicity of their coverage options combined with bonuses makes State Farm one of the best motorcycle insurance companies.
Their motorcycle insurance quote can include coverage for most of the more common situations that arise. In a motorcycle insurance comparison, you’ll find that these items may not stand out much. You can buy coverage for:
- Bodily injury or property liability
- Uninsured or underinsured motorist
- Collision or comprehensive
- Accessories or custom upgrade items
- Attached side cars
Image Source: State Farm
Advantages
Where does State Farm really shine in a motorcycle insurance comparison? They feature added protection from various situations that other motorcycle insurance companies usually include at an added cost.
For example, opting for a motorcycle insurance quote from State Farm also includes coverage for your protective gear. You’ll have protection in the event of needing emergency roadside assistance. Trip interruption insurance from a damaged motorcycle is also included.
You can also opt for loans through State Farm in the event that you cannot afford to pay for your bike upfront.
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USAA Review
USAA offers some of the best motorcycle insurance to consumers who are eligible for their services. Members of the armed forces and their family members can opt for coverage through USAA’s motorcycle insurance companies and receive automatic discounts on top-notch coverage.
USAA doesn’t specifically mention the types of coverage available on their motorcycle insurance quote. However, our research found that they were likely to offer a similar selection to other top motorcycle insurance companies. In a motorcycle insurance comparison, USAA can cover you in most situations.
- Bodily injury or property damage liability
- Comprehensive or collision
- Custom parts and equipment
- Uninsured or underinsured motorist
- Medical payments
You can also opt for an additional coverage option that will provide protection if your motorcycle needs roadside attention. When you compare motorcycle insurance, you may find that this service is worth the nominal fee.
Advantages
Discounts are handed out fairly freely at USAA, as we found in our thorough motorcycle insurance comparison. Members automatically receive a 5% discount with additional savings available.
Top savings available when you compare motorcycle insurance quotes include things like passing an approved safety course, insuring multiple bikes, and being claims free.
You also receive 24-hour roadside assistance under your policy coverage, which is important to note when you compare motorcycle insurance.
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Conclusion—Top 6 Best Sites to Compare Motorcycle Insurance
Knowing where to go first when you want to compare motorcycle insurance quotes can be a tricky endeavor. Every company is desperate to earn your business. All of the motorcycle insurance companies claim to offer the best coverage at the lowest rates.
How can you tell which one is ultimately the right choice for your next motorcycle insurance comparison?
When it comes to selecting a motorcycle insurance quote, it’s important that you first decide what type of coverage you’re seeking. From there, you can take a look at possible payment plans for your motorcycle insurance rates, bonus features, and the potential savings. Take your time when it comes to looking at the details necessary to compare motorcycle insurance.
Uncovering the best motorcycle insurance doesn’t have to be lengthy or time-consuming. Our ranking of the top motorcycle insurance companies will allow you to compare motorcycle insurance quotes quickly and easily. The only decision you’ll have to make next is which one is the best option for you and your bike.
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.
Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
