Best Motorcycle Insurance Companies of 2026

Harley-Davidson Insurance is our top pick. It offers 13 discounts, including ones for Harley Owners Group members, riders with a motorcycle license endorsement, and H-D Riding Academy or safety course graduates. You can get a quote and buy a policy online.

Harley-Davidson Insurance's coverage list is long: guest passenger liability, roadside assistance, rental reimbursement, optional equipment coverage with a replacement cost option, and helmet and safety apparel coverage, plus uninsured and underinsured motorist protection for both injuries and property damage. Discounts extend beyond riding history to include home ownership, prompt payment, claim-free renewal, loyalty, multi-cycle households, anti-theft devices, and military and law enforcement service.

Two limits stand out. It isn't sold in Alaska, Hawaii, or Washington, D.C., and it doesn't offer gap insurance.

USAA Motorcycle Insurance is our pick for military members. Its deployment storage discount is built for service members who park a bike while they're away, and coverage is available in all 50 states and Washington, D.C.

USAA covers the basics and then some: accessories coverage, carry-on personal items, enhanced injury protection, medical payments, roadside assistance with trip interruption, total loss coverage, and uninsured and underinsured motorist coverage. Disappearing deductibles are on the list, too. The discount menu is short, with four options: bundling, safety course completion, a good driving record, and storage during deployment. You can get a quote and buy online, though there's no gap insurance.

Read our USAA motorcycle insurance review.

Foremost Motorcycle Insurance is our pick for customer satisfaction. It also has coverage most companies here don't list, including track day coverage and transport trailer coverage up to $10,000.

Foremost suits riders who customize. Optional equipment coverage for custom parts, paint, and chrome goes up to $30,000, and it covers helmets and safety apparel. Its Elite tier adds personal effects at replacement cost, total loss replacement cost and rental coverage, and you can also add trip interruption and optional towing and roadside assistance.

The tradeoffs are real: only three discounts (multi-vehicle, multi-policy across Farmers-affiliated companies including Bristol West, and a motorcycle endorsement discount), no gap insurance, and no online purchase, though you can get a quote online. It isn't sold in Hawaii or Massachusetts.

Read our Foremost motorcycle insurance review.

Progressive is our pick for discounts. It lists 11, from quoting in advance and switching insurers to a Safe and Steady Rider discount for riders 45 and older with at least three years of experience.

Progressive sells policies in all 50 states and D.C., and you can buy online. Its OEM parts guarantee means repairs use genuine parts with no depreciation taken off. Accessories and custom parts coverage reaches $30,000, safety riding apparel coverage goes up to $3,000, and trip interruption reaches $500.

Carried contents and enhanced injury protection, which adds a weekly disability and death benefit, are also available. Association members, including Harley Owners Group and USAA members, can get a discount. Like most companies here, it doesn't offer gap insurance.

Allstate is our pick for new bikes. It's the only company in this group that offers gap insurance, and it also lists new motorcycle extended protection.

If you finance a new motorcycle, gap insurance can cover the difference between what you owe and what the bike is worth after a total loss. Allstate pairs that with custom equipment coverage up to $30,000, rental reimbursement, towing and labor, transport trailer damage coverage, and a rider protection package. Personal injury protection is offered in select states.

Its nine discounts include a Good Rider discount for 60 months without an at-fault accident or major violation, plus early signing, paying in full, and organization membership. It's sold in all 50 states and D.C., and you can buy a policy online.

Nationwide is our pick for bundling. Its eight discounts include multi-policy and homeowner discounts, a natural fit if you already insure a home or car there.

Nationwide's coverage is narrower, with custom equipment coverage, roadside assistance, trip interruption, an OEM parts endorsement, medical payments or PIP, and uninsured and underinsured motorist coverage. Discounts reward anti-lock brakes, theft-recovery devices, safety courses, paying in full, multiple vehicles, and riding association membership.

Availability is the biggest limit: it isn't sold in Alaska, Hawaii, Louisiana, Massachusetts, New Jersey, New Mexico, Oklahoma, or Washington, D.C. You can't buy a policy online. Gap insurance is not available.