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Compare Motorcycle and ATV Insurance

There are many insurance companies that specialize in motorcycle and ATV insurance. So, choosing the right one can be a challenge.

Here are some tips that will help you find the best motorcycle and ATV insurance for you.

How should you compare motorcycle & ATV insurance companies?

The key to finding the best deal in motorcycle & ATV insurance is to compare multiple policies that have similar coverages, limits, and deductibles.

Doing this can save you a lot of money as insurers can quote prices that vary by hundreds of dollars for the same policy.

Motorcycle insurance companies consider multiple factors when estimating the risk of insuring a rider and setting their rates. These factors include age, riding history, and the motorcycle model. However, motorcycle & ATV insurance companies weigh these factors differently when establishing their rates. This means the cheapest policy may vary from one rider to another.

Once you have a good selection of quotes to compare it’s time to decide which one is the best deal. For this you will need to focus on cost, company ratings, and customer reviews.

SuperMoney provides the company financial rating of leading insurance companies and free motorcycle and ATV insurance reviews.

What are the most important factors to consider when buying motorcycle insurance?

All motorcycle insurance is not equal. Here are the main things you should consider when investing in motorcycle insurance.

  • Is it required in your state.
  • The type of insurance you need.
  • Your riding or driving history.
  • The model and value of the bike you ride.

These questions will help you focus on the most important factors to consider when comparing motorcycle insurance.

Is the motorcycle & ATV insurance company licensed in your state?

Not all insurance companies are licensed to operate in every state. It’s a good idea to avoid insurance companies that aren’t licensed by your state insurance department. If you have problems in the future, your state licensing agency can offer valuable assistance.

What type of ATV and motorcycle insurance to you need?

When buying motorcycle insurance, you must determine what kind of insurance you need and the level of coverage you require. Once you’ve established that, make sure you set the same coverage and limits when you compare policies.

There are four main types of ATV and motorcycle insurance:

  • Comprehensive and collision: This coverage will repair or replace your motorcycle if it’s stolen, vandalized, or damaged. It is optional to purchase comprehensive coverage. However, if you have a ride that is worth $6,000 or more, you probably should get comprehensive and collision coverage.
  • Bodily injury and property damage liability: If you’re in an accident, liability coverage will pay for the damage you cause to others and their property. Unless you live in Washington State or Florida, this coverage is mandatory.
  • Uninsured/underinsured motorist: This will pay for injuries caused by a driver or rider with no insurance that can’t afford to pay for the damages they caused.
  • Medical payments: This coverage will pay your medical bills regardless of who is at fault, which is particularly useful if you don’t have great health insurance coverage.
Some companies offer additional coverages, such as:
  • Total loss coverage: Conditions vary by insurer, but you’ll typically get the full manufacturer's suggested retail price for a brand new bike or ATV, if yours is totaled.
  • Carried contents: Offers coverage for personal belongings that you carry on your bike if they're damaged, stolen or lost. This includes camping equipment, phones, and hunting gear.
  • Roadside assistance and trip interruption: This additional coverage will tow your bike and pay for hotel, transportation, and food costs if your bike breaks down.

What is the financial rating of the motorcycle & ATV insurance company?

The purpose of motorcycle insurance is to protect your financially and give you peace of mind. That’s why it is important you choose an insurance company that is likely to be financially sound for many years. You can do this by using company ratings from independent rating agencies. SuperMoney combines the financial ratings of multiple rating agencies as well as other factors to determine an insurance company financial stability.

What do ATV and motorcycle insurance reviews say about the company?

Insurance companies should answer your questions and handle your claims fairly and efficiently. Unfortunately, that is not always the case. Find out what other customers have to say about their experiences by reading SuperMoney’s free motorcycle and ATV insurance reviews.

How do you get an online motorcycle & ATV insurance quote?

Most ATV and motorcycle insurance companies give consumers the option to apply for a quote online. Applying online makes it easier to get multiple quotes and there is no commitment to buy a policy.

Use the comparison tools and reviews below to find a good selection of companies to compare.

Once you are ready to apply, you apply you will probably need to provide the following information:

  • Your name and ID
  • Your motorcycle or ATV’s VIN. The exact make, model, and year may be enough.
  • How many miles you drive on average every year.
  • Any accident prevention and advance riding courses you’ve taken.
  • Details on your current insurance policy.
  • How many years you have been riding a motorcycle.

What next?

Now you have a better understanding of how motorcycle and ATV insurance works, it is time to get some quotes.

  • First, use the list below to find insurance companies that offer the coverage levels you need.
  • Second, check the financial rating and consumer rating of your top choices. Compare the profiles and consumer reviews for each insurance company.
  • Get a quote from at least three insurance companies. Make sure you use the same insurance type and coverage level.

Compare Motorcycle and ATV Insurance

There are many insurance companies that specialize in motorcycle and ATV insurance. So, choosing the right one can be a challenge.

Here are some tips that will help you find the best motorcycle and ATV insurance for you.

How should you compare motorcycle & ATV insurance companies?

The key to finding the best deal in motorcycle & ATV insurance is to compare multiple policies that have similar coverages, limits, and deductibles.

Doing this can save you a lot of money as insurers can quote prices that vary by hundreds of dollars for the same policy.

Motorcycle insurance companies consider multiple factors when estimating the risk of insuring a rider and setting their rates. These factors include age, riding history, and the motorcycle model. However, motorcycle & ATV insurance companies weigh these factors differently when establishing their rates. This means the cheapest policy may vary from one rider to another.

Once you have a good selection of quotes to compare it’s time to decide which one is the best deal. For this you will need to focus on cost, company ratings, and customer reviews.

SuperMoney provides the company financial rating of leading insurance companies and free motorcycle and ATV insurance reviews.

What are the most important factors to consider when buying motorcycle insurance?

All motorcycle insurance is not equal. Here are the main things you should consider when investing in motorcycle insurance.

  • Is it required in your state.
  • The type of insurance you need.
  • Your riding or driving history.
  • The model and value of the bike you ride.

These questions will help you focus on the most important factors to consider when comparing motorcycle insurance.

Is the motorcycle & ATV insurance company licensed in your state?

Not all insurance companies are licensed to operate in every state. It’s a good idea to avoid insurance companies that aren’t licensed by your state insurance department. If you have problems in the future, your state licensing agency can offer valuable assistance.

What type of ATV and motorcycle insurance to you need?

When buying motorcycle insurance, you must determine what kind of insurance you need and the level of coverage you require. Once you’ve established that, make sure you set the same coverage and limits when you compare policies.

There are four main types of ATV and motorcycle insurance:

  • Comprehensive and collision: This coverage will repair or replace your motorcycle if it’s stolen, vandalized, or damaged. It is optional to purchase comprehensive coverage. However, if you have a ride that is worth $6,000 or more, you probably should get comprehensive and collision coverage.
  • Bodily injury and property damage liability: If you’re in an accident, liability coverage will pay for the damage you cause to others and their property. Unless you live in Washington State or Florida, this coverage is mandatory.
  • Uninsured/underinsured motorist: This will pay for injuries caused by a driver or rider with no insurance that can’t afford to pay for the damages they caused.
  • Medical payments: This coverage will pay your medical bills regardless of who is at fault, which is particularly useful if you don’t have great health insurance coverage.
Some companies offer additional coverages, such as:
  • Total loss coverage: Conditions vary by insurer, but you’ll typically get the full manufacturer's suggested retail price for a brand new bike or ATV, if yours is totaled.
  • Carried contents: Offers coverage for personal belongings that you carry on your bike if they're damaged, stolen or lost. This includes camping equipment, phones, and hunting gear.
  • Roadside assistance and trip interruption: This additional coverage will tow your bike and pay for hotel, transportation, and food costs if your bike breaks down.

What is the financial rating of the motorcycle & ATV insurance company?

The purpose of motorcycle insurance is to protect your financially and give you peace of mind. That’s why it is important you choose an insurance company that is likely to be financially sound for many years. You can do this by using company ratings from independent rating agencies. SuperMoney combines the financial ratings of multiple rating agencies as well as other factors to determine an insurance company financial stability.

What do ATV and motorcycle insurance reviews say about the company?

Insurance companies should answer your questions and handle your claims fairly and efficiently. Unfortunately, that is not always the case. Find out what other customers have to say about their experiences by reading SuperMoney’s free motorcycle and ATV insurance reviews.

How do you get an online motorcycle & ATV insurance quote?

Most ATV and motorcycle insurance companies give consumers the option to apply for a quote online. Applying online makes it easier to get multiple quotes and there is no commitment to buy a policy.

Use the comparison tools and reviews below to find a good selection of companies to compare.

Once you are ready to apply, you apply you will probably need to provide the following information:

  • Your name and ID
  • Your motorcycle or ATV’s VIN. The exact make, model, and year may be enough.
  • How many miles you drive on average every year.
  • Any accident prevention and advance riding courses you’ve taken.
  • Details on your current insurance policy.
  • How many years you have been riding a motorcycle.

What next?

Now you have a better understanding of how motorcycle and ATV insurance works, it is time to get some quotes.

  • First, use the list below to find insurance companies that offer the coverage levels you need.
  • Second, check the financial rating and consumer rating of your top choices. Compare the profiles and consumer reviews for each insurance company.
  • Get a quote from at least three insurance companies. Make sure you use the same insurance type and coverage level.

Loading results...

Product

Reviews

Financial Strength Rating

Product Website

Liberty Mutual Motorcycle & ATV Insurance

Liberty Mutual Motorcycle & ATV Insurance

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Financial Strength Rating
A
Excellent
Esurance Motorcycle & ATV Insurance

Esurance Motorcycle & ATV Insurance

Rating not yet determined

3 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Financial Strength Rating
A+
Superior
Allstate Motorcycle & ATV Insurance

Allstate Motorcycle & ATV Insurance

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Financial Strength Rating
A+
Superior
Progressive Motorcycle & ATV Insurance

Progressive Motorcycle & ATV Insurance

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Financial Strength Rating
A+
Superior
State Farm Motorcycle & ATV Insurance

State Farm Motorcycle & ATV Insurance

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Financial Strength Rating
A+
Superior
Direct Motorcycle & ATV Insurance
Financial Strength Rating
B
Fair
Erie Insurance Motorcycle & ATV Insurance
Financial Strength Rating
A+
Superior
Infinity Motorcycle & ATV Insurance
Financial Strength Rating
A
Excellent
Plymouth Rock Motorcycle & ATV Insurance
Financial Strength Rating
A-
Excellent
Safeco Motorcycle & ATV Insurance
Financial Strength Rating
A
Excellent