Motorcycle Insurance

Motorcycle insurance protects you from unexpected expenses, like accidents, theft, or damage, so you can enjoy the ride with peace of mind. With GEICO, getting coverage is fast and easy. A free online motorcycle insurance quote can help you find affordable rates and great coverage for any type of bike, including sport bikes, cruisers, touring bikes, mopeds, and standard motorcycles. We also offer ATV insurance and scooter insurance, so all your rides can be protected.

Start a quote for motorcycle insurance 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 you to carry comprehensive and collision 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. To understand what's required where you live, check out the motorcycle insurance requirements for your state.

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 from GEICO:

• Bodily injury liability coverage: If you’re at fault in an accident, this coverage helps pay for injuries to other people. It’s there to protect you from costly medical bills and potential lawsuits, so you can ride with peace of mind.
• Collision coverage: If your bike takes a spill or collides with another vehicle or object, collision coverage helps pay for repairs or replacement. Whether it’s a dented tank or a totaled ride, we’ve got you covered.
• Comprehensive coverage: This coverage helps pay for damage from things like theft, vandalism, fire or weather. Basically, it’s protection for when life throws curveballs, not traffic lights.
• Personal injury protection (PIP): If you’re hurt in an accident, PIP can help cover medical expenses for you and your passengers, no matter who’s at fault. It can even cover lost wages or essential services while you recover.
• Property damage coverage: If your motorcycle causes damage to someone else’s property—like their car, fence, or mailbox—this coverage helps pay for repairs or replacement. It keeps you protected from those unexpected oops moments.
• Uninsured/underinsured motorist coverage: Not everyone on the road is as responsible as you are. If you’re hit by a driver with little or no insurance, this coverage helps pay for your injuries and damages.

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: Your policy may help cover damage to your safety riding apparel in certain situations. Coverage options, limits, and what's included can vary by state. A GEICO specialist can help you understand the specifics of your policy.
• Stored Gear: Coverage up to $3,000 for gear stored on covered motorcycles.
• 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.

GEICO offers motorcycle insurance at low prices with potential discounts.

• Transfer Discount: Save when you switch your motorcycle insurance to GEICO.
• Multi-Vehicle Discount: Get a discount for insuring more than one motorcycle.
• Multi-Policy Discount: Save when you bundle another GEICO policy with your motorcycle coverage.
• Renewal Discount: Keep continuous coverage and save at renewal.
• Safety Course Discounts: Save when you complete an approved Motorcycle Safety Foundation course.
• MSF Instructor Discount: Special savings for certified safety instructors.
• Mature Rider Discount: Mature Rider Discount: Exclusive savings for experienced riders who meet specific age criteria. Not available in CA, MA, or NC.

We're rated A++ (superior)* for financial strength by A.M. Best Company, a leading independent analyst of the insurance industry. Some discounts depend on your state. Check out our motorcycle insurance discounts page for more information.

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 multi-policy discounts, completing a Motorcycle Safety Foundation course, 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 does motorcycle insurance cost?
  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.
• 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.
• Can you get motorcycle insurance without a license?
  Yes, you can usually get motorcycle insurance without a license. Some insurers, including GEICO, may offer coverage if you’re still learning, waiting for your endorsement, or buying a bike you don’t plan to ride yet. However, you’ll need a valid ID to purchase a policy. Keep in mind that having an active motorcycle license or endorsement when buying motorcycle insurance may help you get better rates.
• Does motorcycle insurance cover medical?
  Yes, motorcycle insurance can cover medical costs, depending on your coverage. Coverage like Personal Injury Protection (PIP) or Medical Payments (MedPay) helps pay for medical expenses if you’re hurt in an accident. Bodily injury liability coverage helps cover the medical expenses of others involved in the accident if you’re found at fault. The exact coverage depends on your policy and state requirements, so it’s always smart to double-check your options.