Motorcycle Insurance Agencies – Choosing the right motorcycle insurance agency is crucial for riders looking for comprehensive coverage, affordable rates, and excellent customer service. This article will explore the top 10 motorcycle insurance agencies, providing detailed information on their websites, phone numbers, customer reviews, pricing, pros and cons, company history, and special offers. Additionally, we’ll include FAQs and tags to help you find the best motorcycle insurance for your needs.
1. Progressive
Website: Progressive
Phone Number: 1-800-776-4737
Company History
Progressive was founded in 1937 by Joseph Lewis and Jack Green as a specialty insurer. Over the years, it has grown into one of the largest providers of motorcycle insurance in the United States. Known for its innovative approach, Progressive introduced the first drive-in claims office and the first insurance rate comparison shopping tool.
Pricing
Progressive offers competitive rates for motorcycle insurance, with average annual premiums starting around $250. They provide multiple discounts, such as multi-policy, safe rider, and association member discounts, which can significantly reduce the cost.
Pros
- Comprehensive Coverage Options: Offers liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
- Innovative Discounts: Safe driver, multi-policy, and pay-in-full discounts.
- Customer Service: 24/7 customer support and an easy-to-use mobile app.
- Financial Strength: Strong financial ratings ensure reliability in claims handling.
Cons
- Variable Rates: Premiums can vary widely based on individual factors.
- Repair Shop Restrictions: Limited choice of repair shops for claims.
Customer Reviews
Progressive is highly rated for its affordability and comprehensive coverage options. Customers appreciate the ease of filing claims and the responsive customer service. However, some have noted that premiums can increase over time.
2. Geico
Website: Geico
Phone Number: 1-800-841-3000
Company History
Founded in 1936 by Leo and Lillian Goodwin, Geico originally provided insurance to government employees and military personnel. Today, it serves millions of customers across the United States and is known for its affordable rates and extensive advertising campaigns featuring the Geico Gecko.
Pricing
Geico is known for its competitive pricing, with average annual premiums for motorcycle insurance starting at around $200. They offer discounts for multi-policy, safe driver, and military personnel, among others.
Pros
- Affordable Rates: Competitive pricing for a variety of motorcycles.
- Extensive Coverage: Liability, collision, comprehensive, and accessory coverage.
- User-Friendly: Easy online quotes, policy management, and mobile app.
- Discounts: Multiple discounts, including for safety courses and anti-theft devices.
Cons
- Limited Personal Interaction: Primarily online and phone-based service.
- Repair Shop Restrictions: Must use Geico-approved repair shops.
Customer Reviews
Geico receives high marks for its affordability and ease of use. Customers appreciate the straightforward online experience and responsive customer service. Some customers have reported rate increases after filing claims.
3. Allstate
Website: Allstate
Phone Number: 1-800-255-7828
Company History
Allstate was founded in 1931 as part of Sears, Roebuck & Co. It has grown to become one of the largest personal lines insurers in the United States, known for its “You’re in Good Hands” slogan. Allstate offers a wide range of insurance products, including motorcycle insurance.
Pricing
Allstate’s motorcycle insurance premiums average around $300 annually. Discounts are available for bundling policies, safe riders, and completing safety courses.
Pros
- Comprehensive Coverage: Offers a wide range of coverage options, including custom parts and equipment coverage.
- Local Agents: Personalized service through a network of local agents.
- Discounts: Multi-policy, safety course, and good rider discounts.
- Financial Stability: Strong financial ratings ensure reliable claims payment.
Cons
- Higher Premiums: Generally higher rates compared to some competitors.
- Mixed Customer Service: Service quality can vary by location.
Customer Reviews
Allstate is praised for its comprehensive coverage options and local agent network. Customers value the personalized service and range of discounts. However, some have reported higher premiums and mixed experiences with customer service.
4. State Farm
Website: State Farm
Phone Number: 1-800-782-8332
Company History
State Farm was founded in 1922 by George J. Mecherle as a mutual automobile insurance company owned by its policyholders. It has grown to become one of the largest insurance companies in the United States, known for its personalized service and strong local agent network.
Pricing
State Farm offers competitive rates for motorcycle insurance, with average annual premiums around $350. Discounts are available for multiple policies, safe riders, and completing safety courses.
Pros
- Personalized Service: Strong network of local agents providing customized service.
- Comprehensive Coverage: Wide range of coverage options, including custom parts coverage.
- Discounts: Multi-policy, safe rider, and safety course discounts.
- Financial Strength: High financial ratings ensure reliability in claims handling.
Cons
- Higher Premiums: Generally higher rates compared to some competitors.
- Variable Customer Service: Quality of service can vary by agent and location.
Customer Reviews
State Farm is well-regarded for its personalized service and comprehensive coverage options. Customers appreciate the local agent network and range of discounts. However, higher premiums and variable customer service experiences are noted by some customers.
5. Dairyland
Website: Dairyland
Phone Number: 1-800-334-0090
Company History
Dairyland was founded in 1953 and specializes in motorcycle and non-standard auto insurance. It is known for its focus on providing affordable insurance to high-risk drivers and those with non-standard vehicles.
Pricing
Dairyland offers competitive rates for motorcycle insurance, with average annual premiums starting around $250. They provide discounts for safe riders, multiple bikes, and completing safety courses.
Pros
- Specialized Coverage: Focuses on motorcycle and high-risk driver insurance.
- Affordable Rates: Competitive pricing for various rider profiles.
- Discounts: Multi-bike, safety course, and loyalty discounts.
- Flexible Payment Plans: Offers flexible payment options to fit different budgets.
Cons
- Limited Availability: Not available in all states.
- Basic Coverage: Fewer coverage options compared to some larger insurers.
Customer Reviews
Dairyland is praised for its affordable rates and specialized coverage options. Customers appreciate the flexible payment plans and discounts. However, some have noted limited availability and fewer coverage options.
6. Markel
Website: Markel
Phone Number: 1-800-236-2453
Company History
Markel Corporation, founded in 1930, is a holding company for insurance, reinsurance, and investment operations around the world. Markel’s motorcycle insurance is known for its specialized coverage options and focus on recreational vehicles.
Pricing
Markel’s motorcycle insurance premiums are competitive, with average annual rates around $300. Discounts are available for safe riders, multiple policies, and anti-theft devices.
Pros
- Specialized Coverage: Offers unique coverage options tailored for motorcycles and recreational vehicles.
- Comprehensive Options: Coverage for accessories, custom parts, and trailers.
- Discounts: Safe rider, multi-policy, and anti-theft discounts.
- Flexible Policies: Customizable coverage to fit individual needs.
Cons
- Higher Premiums: Rates can be higher compared to some mainstream insurers.
- Limited Online Services: Fewer online management tools compared to larger insurers.
Customer Reviews
Markel receives high marks for its specialized coverage options and comprehensive policies. Customers appreciate the flexibility in coverage and available discounts. However, higher premiums and limited online services are common concerns.
7. Harley-Davidson Insurance
Website: Harley-Davidson Insurance
Phone Number: 1-800-242-2464
Company History
Harley-Davidson Insurance Services, established in 1993, provides insurance specifically for Harley-Davidson motorcycles. Backed by Sentry Insurance, it offers coverage tailored to the needs of Harley owners.
Pricing
Harley-Davidson Insurance offers competitive rates for Harley-Davidson motorcycles, with average annual premiums starting around $350. Discounts are available for safe riders, H.O.G. members, and multi-bike policies.
Pros
- Tailored Coverage: Specialized insurance for Harley-Davidson motorcycles.
- Comprehensive Options: Coverage for custom parts, accessories, and roadside assistance.
- Discounts: Safe rider, H.O.G. member, and multi-bike discounts.
- Strong Brand: Backed by the Harley-Davidson brand and Sentry Insurance.
Cons
- Higher Premiums: Rates can be higher for non-Harley motorcycles.
- Limited Availability: Primarily focused on Harley-Davidson owners.
Customer Reviews
Harley-Davidson Insurance is praised for its specialized coverage options and strong brand backing. Customers appreciate the tailored coverage and available discounts. However, higher premiums for non-Harley motorcycles and limited availability are noted by some customers.
8. Nationwide
Website: Nationwide
Phone Number: 1-877-669-6877
Company History
Founded in 1925, Nationwide has grown to become one of the largest insurance and financial services companies in the world. Known for its “On Your Side” slogan, Nationwide offers a wide range of insurance products, including motorcycle insurance.
Pricing
Nationwide offers competitive rates for motorcycle insurance, with average annual premiums around $300. Discounts are available for multi-policy, safe rider, and anti-theft devices.
Pros
- Comprehensive Coverage: Offers a wide range of coverage options, including custom parts and equipment coverage.
- Discounts: Multi-policy, safe rider, and anti-theft discounts.
- Financial Strength: High financial ratings ensure reliable claims payment.
- Local Agents: Personalized service through a network of local agents.
Cons
- Higher Premiums: Rates can be higher compared to some competitors.
- Variable Customer Service: Quality of service can vary by location.
Customer Reviews
Nationwide is well-regarded for its comprehensive coverage options and strong financial backing. Customers appreciate the personalized service and range of discounts. However, higher premiums and variable customer service experiences are noted by some customers.
9. Safeco
Website: Safeco
Phone Number: 1-800-332-3226
Company History
Safeco Insurance, founded in 1923, is a member of Liberty Mutual Group. It offers a wide range of personal insurance products, including motorcycle insurance, known for its competitive rates and comprehensive coverage options.
Pricing
Safeco offers competitive rates for motorcycle insurance, with average annual premiums around $275. Discounts are available for multi-policy, safety course, and anti-theft devices.
Pros
- Comprehensive Coverage: Offers a wide range of coverage options, including custom parts and equipment coverage.
- Discounts: Multi-policy, safety course, and anti-theft discounts.
- Financial Strength: High financial ratings ensure reliable claims payment.
- Online Tools: Easy online quotes, policy management, and mobile app.
Cons
- Higher Premiums: Rates can be higher compared to some competitors.
- Variable Customer Service: Quality of service can vary by location.
Customer Reviews
Safeco is praised for its comprehensive coverage options and competitive rates. Customers appreciate the range of discounts and online tools for managing policies. However, higher premiums and variable customer service experiences are noted by some customers.
10. USAA
Website: USAA
Phone Number: 1-800-531-8722
Company History
Founded in 1922, USAA (United Services Automobile Association) serves military members and their families. Known for its exceptional customer service and financial products, USAA offers a wide range of insurance products, including motorcycle insurance.
Pricing
USAA offers competitive rates for motorcycle insurance, with average annual premiums around $250. Discounts are available for multi-policy, safe rider, and storage.
Pros
- Exceptional Customer Service: High ratings for customer service and claims handling.
- Comprehensive Coverage: Offers a wide range of coverage options, including custom parts and equipment coverage.
- Discounts: Multi-policy, safe rider, and storage discounts.
- Financial Strength: High financial ratings ensure reliable claims payment.
Cons
- Eligibility Restrictions: Only available to military members and their families.
- Higher Premiums: Rates can be higher compared to some competitors.
Customer Reviews
USAA is highly rated for its exceptional customer service and comprehensive coverage options. Customers appreciate the range of discounts and strong financial backing. However, eligibility restrictions and higher premiums are noted by some customers.
FAQs
1. How do I choose the best motorcycle insurance agency?
To choose the best motorcycle insurance agency, consider factors such as coverage options, pricing, customer reviews, financial strength, and available discounts. Comparing quotes from multiple agencies can help you find the best deal for your needs.
2. What types of coverage are available for motorcycle insurance?
Common coverage options for motorcycle insurance include liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and custom parts and equipment coverage. Additional options may include roadside assistance and trip interruption coverage.
3. Can I bundle my motorcycle insurance with other policies?
Yes, many insurance agencies offer multi-policy discounts for bundling motorcycle insurance with other policies such as auto, home, or renters insurance. Bundling can help you save on premiums.
4. How can I lower my motorcycle insurance premiums?
To lower your motorcycle insurance premiums, consider increasing your deductibles, maintaining a clean riding record, taking a motorcycle safety course, and taking advantage of available discounts such as multi-policy, safe rider, and anti-theft discounts.
5. What should I do if I need to file a claim?
If you need to file a claim, contact your insurance agency as soon as possible. Provide them with all necessary information, including details of the accident, photos, and any relevant documentation. Your insurance agency will guide you through the claims process.
