Motorcycle Insurance
When you ride, you face risks that are greater than those who drive cars. Often, other drivers fail to see motorcyclists. And an accident on a motorcycle often leads to more severe injuries than accidents involving cars or trucks. These unique or increased risks require unique coverage.
Choose PROGRESSIVE motorcycle insurance for your bike or ATV and receive far-reaching coverage and specialized claims service from the No. 1 motorcycle insurance group in the country.
Ride with the #1 motorcycle insurance company starting at just $75 per year. See all the savings and protection we offer. Get a quote today by calling 512-339-1515.
Get a motorcycle insurance quote today!
We didn’t become the #1 motorcycle insurance company by just giving our riders “the basics.” You’re passionate about your bike, so we dig deeper to offer a wide range of coverages. Plus, we offer competitive rates with plenty of ways to save. Get a free quote and see why 1 in 3 insured motorcycle riders choose Progressive.
Get cruiser motorcycle insurance starting as low as $75/year*Disclosure
Your rate may vary based on the size and style of your cruiser, location, coverage selection, and other factors. That’s why we offer plenty of discounts to help you get the best cruiser insurance possible at a price you can afford.
At Progressive, we insure 1 out of every 3 bikes on the road and we make getting cruiser motorcycle insurance quick, easy, and affordable. Quote now and start cruising the open road today!
Here are some of the most common brand cruisers that we insure:
- Harley-Davidson
- Indian
- Honda
- Kawasaki
- Suzuki
- Triumph
- Yamaha
What Does Motorcycle Insurance cover?
At Progressive, we offer a wide array of coverages to keep you and your bike protected. Check out some of the most popular coverages below.
Comprehensive & collision
If your bike is damaged from an event out of your control, like hitting an animal or theft, comprehensive coverage will pay to repair or replace it. Collision will pay for damages to your bike if you collide with another vehicle or object, regardless of fault.
Accessories and custom parts/equipment
It’s common for riders to customize their bikes, so we offer a special accessory coverage that pays for up to $3,000 worth of customized parts and is automatically included if you carry comprehensive and collision. You can purchase additional accessory coverage up to $30,000.
Full value for replacement parts
If your bike is damaged in an accident, we’ll repair it to pre-accident condition or better. For example, you paid $300 for your front tire, but it may have a depreciated value of $200. If it’s damaged in a covered accident, we’ll pay for the cost of a brand new tire (similar model).
Total loss coverage
If your bike is no more than one model year old and totaled in a covered loss, you’ll be reimbursed for the full manufacturer’s suggested retail price. If your bike model is more than 3 years old and is totaled, we’ll pay you the actual cash value of your cruiser.
Motorcycle Insurance
Common Bikes We Insure:
- Cruizers – Cruisers are classic-style motorcycles, and the most common type of bike.
- Dirt Bikes – Dirt bikes and motocross are a broad category, but typically classified as off-road bikes that are not street-legal in most states. Whether you use your bike for riding on or off the trails, we can help you get the best dirt bike insurance available.
- Custom Bikes – Custom built motorcycles come in all shapes and sizes. Whether it’s a custom chopper or a café racer, custom bikes are truly one-of-a-kind. They can be pre-built, customized by a shop, or built by you personally. If your bike is listed in the NADA Appraisal Guide, you can get all of our motorcycle insurance coverages when you quote today!
- ATV/UTV Insurance – Protect your four-wheeler with personalized coverage. Whether you’re a full-time rancher or part-time adventure seeker, make sure you and your all-terrain vehicle (ATV), utility vehicle (UTV), or side-by-side are protected. With Progressive ATV and UTV insurance, you can quote and customize your policy online to cover different types of risks.
Is motorcycle insurance required by law?
Most states will require you to have liability insurance to legally ride on the road. We’ll always make certain your policy meets your state’s requirements. Additionally, you’ll likely want to protect your motorcycle if it’s damaged in an accident, especially if you’ve invested time and money into your cruiser.
Tips for Quoting Your Motorcycle Insurance
- Know the make, model and year of your bike for a more accurate quote; you’ll need the vehicle identification number to purchase a policy
- Add any possible drivers that may ride your bike to your quote
- Disclose any enhancements or modifications you made to your bike’s engine
- Taking a motorcycle training course may help you qualify for a discount
Customized and Affordable Motorcycle Insurance
We automatically apply all of your discounts when you get a motorcycle insurance quote.
- Multi-policy – when your home, car, boat, or RV is insured with us.
- Responsible driver – If you’ve had no motor vehicle accidents or violations in the last three years, we’ll reward you with a discount.
- Pay on time – The easiest way to save! We’ll give you this discount automatically with your first policy, and you have it at every renewal as long as you continue to pay on time.
- Homeowner – Got a home, mobile home, or condominium you own? Great! You’ll get another discount, even if it’s not insured by us.
Specialized motorcycle coverages for more peace of mind
Protect yourself and your ride with our wide range of coverage options. Keep in mind, these are just a few of the many coverages available with Progressive motorcycle insurance.