Motorcycle Insurance

If you own a motorcycle, a free online motorcycle insurance quote from GEICO could save you money on a new policy. We can help you find affordable motorcycle insurance rates and great coverage no matter what type of bike you have. This includes sport bikes, cruisers, mopeds, touring bikes, and standard rides. We also offer ATV insurance and scooter insurance.

Start a quote now or continue reading to learn more about bike insurance coverages, discounts, and more.

Motorcycle insurance requirements vary by state, but most states mandate liability coverage to cover damages or injuries in an accident. If you're financing or leasing a motorcycle, your lender may require full coverage, including collision and comprehensive insurance, to protect their investment. Failing to meet these requirements can result in penalties such as fines, license suspension, or even impoundment of your motorcycle.

Motorcycle insurance coverage benefits you, your bike, and others on the road. Learn more about the main coverages that can make up a GEICO Motorcycle Insurance policy:

• Bodily injury liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection
• Property damage coverage
• Uninsured/underinsured motorist coverage

We're adding even more ways to protect you and your motorcycle. Check out these new coverages designed with riders in mind:

• Safety Riding Apparel: Get up to $3,000 for damaged safety riding gear, including apparel damaged in animal collisions.
• Stored Gear: Coverage up to $3,000 for gear stored on covered motorcycles with GPS systems.
• Emergency Road Service with Trip Interruption: Optional coverage that reimburses up to $200 per day, $500 per incident for travel expenses if your motorcycle breaks down mid-trip.
• Total Loss Replacement: For an added premium, we'll replace your totaled bike based on the current MSRP of a new model of the same make.

Get an insurance quote on motorcycle coverage for a wide range of motor vehicles. Motorcycle insurance can apply to:

• Cruisers – A type of motorcycle that usually features a V-twin and full-view engine
• Sport Bikes – Fast, high-performance motorcycles also known as street bikes
• Touring Bikes – Motorcycles made for comfortable, long-distance riding
• Custom Motorcycles – Motorcycles custom-built by you, a shop, or a manufacturer
• Mopeds – Lightweight bikes powered by a smaller engine

To lower your motorcycle insurance costs, maintain a clean driving record and consider taking a motorcycle safety course—many insurers offer discounts for safe riders. Installing anti-theft devices, such as alarms or GPS tracking systems, can also help reduce premiums by lowering the risk of theft.

GEICO offers motorcycle insurance at low prices with potential discounts. We're rated A++ (superior)* for financial strength by A.M. Best Company, a leading independent analyst of the insurance industry.

By insuring your bike with GEICO, you may be eligible for motorcycle insurance discounts that could save you even more money. We have discounts for experienced riders, safety, and even a discount just for switching your motorcycle insurance to GEICO. Here are some possible motorcycle insurance discounts you may be eligible for with GEICO:

• Transfer Discount: This gives you the opportunity to save on motorcycle insurance when you switch to GEICO from another provider
• Multi-Cycle Discount: This discount is available to policyholders who insure more than one motorcycle with GEICO
• Dual-policy Discount: This is a discount available to policyholders who choose to bundle auto and motorcycle insurance with GEICO
• Mature Rider Discount: Exclusive savings for experienced riders who meet specific age criteria, offering a great opportunity for older riders to reduce their motorcycle insurance costs
• Renewal Discount: This discount is provided to policyholders who renew their motorcycle insurance policy without any lapse in coverage
• Motorcycle Safety Foundation Course Discount: This discount is extended to riders who have completed an approved motorcycle safety course
• Defensive Driver Discount: A valuable discount for policyholders who complete a Defensive Driving course, helping to lower your motorcycle insurance rates while promoting safe riding habits
• MSF Instructor Discount: This motorcycle insurance discount is available to MSF instructors who teach motorcycle safety courses, rewarding those who promote safe riding.
• Anti-Theft Discount: Save on your motorcycle insurance when your bike is equipped with anti-theft mechanisms, providing added protection for both you and your bike

Some discounts depend on your state. Check out our motorcycle insurance discounts page for more information. Discounts stack subject to minimum premium amounts that vary by product and by state

Need to speak to a sales or service specialist about motorcycle insurance? Give us a call at (800) 442-9253.

• What motorcycle insurance coverages are included?
  Motorcycle policies include basic coverages with additional coverage available for added protection. Our policies can provide coverage for bodily injury, collision, personal injury protection, property damage, uninsured/underinsured motorists, and comprehensive. Learn more about motorcycle coverages.
• How can I save money on my motorcycle insurance quote?
  There are several ways to get discounts for your motorcycle insurance. These could include dual-policy discounts, completing a Motorcycle Safety Foundation course, installing an anti-theft device on your bike, and more. Learn more about motorcycle insurance discounts.
• Is GEICO Motorcycle Insurance affordable?
  Motorcycle insurance doesn't have to mean paying more for less coverage or service. See how GEICO can help you find what you need at a price you can afford.
• Does motorcycle insurance cover theft?
  Yes. If you have comprehensive coverage under your motorcycle insurance policy, it pays for covered losses that result from incidents other than a collision; These could include theft, vandalism, or fire. Read more on motorcycle theft prevention.
• What payment options are available for motorcycle insurance?
  We can help with a payment plan to fit your budget.
• Does motorcycle insurance cover passengers?
  Most states required motorcycle owners to have liability insurance to cover parties involved in the accident, such as pedestrians, other drivers, or passengers. You may be liable for your passenger's medical expenses if you cause an accident while driving. Liability coverage can help pay for these costs. If you are not at fault, the at-fault driver's liability coverage can help pay for you or your passenger's medical expenses.
• Where can I learn more about motorcycle safety?
  We are committed to your safety out on the road. Check out some tips to keep you current on motorcycle do's and don'ts.
• How much is motorcycle insurance?
  The cost of motorcycle insurance varies depending on several factors, including the type and model of your motorcycle, your age, and your driving history. Your location also plays a role–areas with higher accident, theft, and vandalism rates can have higher premiums. Additionally, the level of coverage chosen influences the overall cost.
• What type of motorcycle is the cheapest to insure?
  The cheapest motorcycles to insure are typically smaller, less powerful models that are designed for efficiency and practicality rather than speed and performance. Standard, commuter, or cruiser, motorcycles, which are often used for daily transportation and have lower engine capacities, generally have lower insurance premiums. These bikes are less likely to be involved in high-speed accidents, and their parts are usually less expensive to replace, which reduces repair costs for insurers. Insurance companies view these motorcycles as lower risk than sport or superbikes.
• Should I cancel my motorcycle insurance in the winter?
  No, you shouldn't cancel your motorcycle insurance in the winter–even if you don't plan to ride. Canceling your insurance means you won't be protected against risks like theft, fire, and other potential damage that can occur while the bike is stored. Additionally, canceling your insurance might lead to higher premiums when you reinstate it due to the lapse in coverage. However, some insurance companies offer "lay-up" policies or seasonal adjustments, which reduce coverage during the off-season to lower premiums while maintaining some form of coverage.
• What do I need to get a motorcycle insurance quote from GEICO today?
  To get a motorcycle insurance quote from GEICO, you'll need details about your motorcycle, including the make, model, year, and vehicle identification number (VIN) and your full name, date of birth, address, and driver's license number. You'll also need details about your riding history, including the number of years you've held a motorcycle license and any past accidents or violations.