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Compare Motorcycle and ATV Insurance

If your idea of a bike is more Harley-Davidson than Trek, you are likely to enjoy the combination of freedom and power you can obtain from riding a motorcycle or all-terrain vehicle (ATV). But that freedom doesn’t include freedom from obtaining proper insurance coverage.  The good news is that premiums for motorcycle and ATV insurance are often lower than auto insurance policies covering the same hazards.  More good news: discounts are widely available.

Recommended Coverage

The best motorcycle and ATV insurance coverage depends largely on your personal circumstances.  However, in general, more coverage is better if you have an expensive bike or one you’re still making payments on.  If you frequently have passengers, additional motorcycle and ATV insurance is a good idea as well.

  • Bodily Injury and Property Damage Liability: Required by most states, covers your liability for damage and injury that results from an accident for which you are at fault.
  • Guest Passenger Liability: Covers injury to passengers on your vehicle.
  • Comprehensive and Collision Coverage:  Provides monetary compensation to replace your bike or ATV if it is stolen or totaled.
  • Uninsured/Underinsured Motorist: Covers your costs in an accident with an uninsured or underinsured motorist.  Required by some states.
  • Medical Payments: Covers medical expenses regardless of who is at fault in an accident.

Single Policy Discounts

Some discounts for auto insurance, like those for antilock brakes and airbags, are also available for motorcycle and ATV insurance. However, some discounts are strictly applicable for bikers.

  • Safety Course Discount: Usually 5 percent for courses completed within the previous 3 years.
  • Riding Association or Affinity Discount:  For members in good standing for approved groups, including the American Motorcycle Association, BMW Motorcycle Owners of America, Gold Wing Touring or Road Riders Association, Harley Owners Group, Honda Riders Club of America, Motorcycle Safety Foundation or Motorcycle Touring Association
  • Safe Rider Discount: Preferred status for going 3 to 5 years without a claim or major traffic violation
  • Layup Discount: If you don’t ride during the winter you may qualify for reduced motorcycle or ATV insurance premiums
  • Anti-Theft Discount: GPS equipped vehicles may qualify for up to 20 percent off the premium for comprehensive coverage – or for waiver of the deductible.
  • Helmet Discount: Additional medical coverage for riders wearing a Department of Transportation (DOT) approved helmet.

Multi-Policy Bundles

If you have more than one bike or ATV, check your policy to determine if a multi-bike discount is available. You may also receive a discount by obtaining motorcycle and ATV insurance bundled with an auto insurance policy. You may also bundle motorcycle and ATV insurance with home insurance. However, total discounts from bundling are often limited to 40 percent, which is not bad at all. Nonetheless, it pays to shop around.

Compare Motorcycle and ATV Insurance

If your idea of a bike is more Harley-Davidson than Trek, you are likely to enjoy the combination of freedom and power you can obtain from riding a motorcycle or all-terrain vehicle (ATV). But that freedom doesn’t include freedom from obtaining proper insurance coverage.  The good news is that premiums for motorcycle and ATV insurance are often lower than auto insurance policies covering the same hazards.  More good news: discounts are widely available.

Recommended Coverage

The best motorcycle and ATV insurance coverage depends largely on your personal circumstances.  However, in general, more coverage is better if you have an expensive bike or one you’re still making payments on.  If you frequently have passengers, additional motorcycle and ATV insurance is a good idea as well.

  • Bodily Injury and Property Damage Liability: Required by most states, covers your liability for damage and injury that results from an accident for which you are at fault.
  • Guest Passenger Liability: Covers injury to passengers on your vehicle.
  • Comprehensive and Collision Coverage:  Provides monetary compensation to replace your bike or ATV if it is stolen or totaled.
  • Uninsured/Underinsured Motorist: Covers your costs in an accident with an uninsured or underinsured motorist.  Required by some states.
  • Medical Payments: Covers medical expenses regardless of who is at fault in an accident.

Single Policy Discounts

Some discounts for auto insurance, like those for antilock brakes and airbags, are also available for motorcycle and ATV insurance. However, some discounts are strictly applicable for bikers.

  • Safety Course Discount: Usually 5 percent for courses completed within the previous 3 years.
  • Riding Association or Affinity Discount:  For members in good standing for approved groups, including the American Motorcycle Association, BMW Motorcycle Owners of America, Gold Wing Touring or Road Riders Association, Harley Owners Group, Honda Riders Club of America, Motorcycle Safety Foundation or Motorcycle Touring Association
  • Safe Rider Discount: Preferred status for going 3 to 5 years without a claim or major traffic violation
  • Layup Discount: If you don’t ride during the winter you may qualify for reduced motorcycle or ATV insurance premiums
  • Anti-Theft Discount: GPS equipped vehicles may qualify for up to 20 percent off the premium for comprehensive coverage – or for waiver of the deductible.
  • Helmet Discount: Additional medical coverage for riders wearing a Department of Transportation (DOT) approved helmet.

Multi-Policy Bundles

If you have more than one bike or ATV, check your policy to determine if a multi-bike discount is available. You may also receive a discount by obtaining motorcycle and ATV insurance bundled with an auto insurance policy. You may also bundle motorcycle and ATV insurance with home insurance. However, total discounts from bundling are often limited to 40 percent, which is not bad at all. Nonetheless, it pays to shop around.

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Allstate

Allstate

1
 
 
1 total votes
Financial Strength Rating
A+
Superior
Liberty Mutual

Liberty Mutual

 
 
1
1 total votes
Financial Strength Rating
A
Excellent
Esurance

Esurance

3
 
 
3 total votes
Financial Strength Rating
A+
Superior
Progressive

Progressive

 
 
1
1 total votes
Financial Strength Rating
A+
Superior
GEICO

GEICO

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Financial Strength Rating
A+
Superior
21st Century Insurance
Financial Strength Rating
A
Excellent
AAA

AAA

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Financial Strength Rating
A+
Superior
Arbella Insurance
Financial Strength Rating
A-
Excellent
American Family

American Family

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Financial Strength Rating
A
Excellent
Amco

Amco

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Financial Strength Rating N/A Financial Strength Rating