American Family Motorcycle Insurance
American Family offers customizable motorcycle coverage to protect your unique ride. Find out more here!
Written by Jacqulyn Graber
Reviewed by Kathleen Flear
American Family offers customizable motorcycle coverage to help protect your unique ride. You’ll love all of the automatically included coverages, as well as the additional options for added protection.
If you’re looking for bike insurance that you can tailor to your specific needs, look no further! We’ve reviewed American Family’s
motorcycle insurance
coverage options for your dirt bike, scooter, moped, or cruiser. Let’s dive in. Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes American Family offer motorcycle insurance?
American Family’s motorcycle insurance covers everything from your boots to your handlebars.
The company offers robust standard coverage with lots of additional upgrades to help you protect your unique ride—so you can stay focused on enjoying the road ahead.
Cost
The average American Family motorcycle insurance cost ranges anywhere from as little as a few hundred dollars to over a thousand dollars per year—which is quite expensive for this type of coverage.
However, it’s important to note that your actual premiums will be based on a wide variety of factors, including but not limited to:
- The state you live in
- Your motorcycle’s body style, year, make, model, and engine size
- Your credit rating
- Your riding and driving history
- Your bike’s safety features
- What you use it for
- The number of riders you name on the policy
- Your age
- Your zip code
- The deductible you choose
- Any modifications and customizations
- How much additional coverage you purchase
Coverage options
A big advantage of American Family motorcycle insurance is thAmericanges like
collision insurance
and comprehensive insurance
are included as standard. Plus, lots of optional coverages are available to further customize your policy.Check out the table below to review your coverage options with American Family.
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
Collision coverage | American Family covers damages to your ride in the event of a collision. | If you end up in an accident on your motorcycle, paying for repairs out-of-pocket can be costly. Instead of paying the full bill, you’ll simply owe your deductible, and your insurance will pay the rest. | Yes, American Family automatically gives you $3,000 of collision coverage, with higher limits available. | Yes—collision coverage is an extremely important type of protection! |
Comprehensive coverage | American Family covers damages to your ride in the event of non-accident-related damages. | If you’re the victim of theft, fires, storms, vandalism, and more—comprehensive coverage has your back. | Yes, American Family automatically gives you $3,000 of comprehensive coverage, with higher limits available. | Yes—comprehensive coverage is the only way you can prepare for the unexpected, including “acts of God.” |
Motorcycle gear protection coverage | Get up to $1,000 of safety apparel coverage for your helmet, boots, and other gear. | If your helmet is damaged in an accident, don’t worry! It’s included in your gear protection coverage and will be paid for. | Yes | Driving a motorcycle involves a lot more safety gear than driving a car, so this is a great type of coverage to add on! |
Collision deductible waiver | If both your automobile and your motorcycle are involved in an accident—and both are insured by American Family—American Family will waive the less expensive deductible if the deductible amount for each vehicle varies. | Imagine you back your car into your motorcycle and both are damaged. Uh-oh! You’ll save on your deductible with this coverage. | Yes | This type of coverage may not be all that necessary (especially if you don’t own a car), but it is great to have it just in case. |
Earned accident forgiveness | You can earn accident forgiveness if you’re accident-free with American Family or another insurance provider for five-plus years. | Your first accident (after five-plus years of being accident-free) won’t raise your car insurance rates. | Yes | Accident forgiveness is a great benefit if you don’t want to see your rates go up just because of one little fender bender! |
Motorcycle liability coverage | This insurance covers the bills from any bodily injury and/or damage to other people’s property that occurs as the result of an accident. | If you injure someone or cause property damage in an accident, liability coverage will ensure you’re financially protected. | Yes | |
Medical expense motorcycle coverage | If you’re hurt while on your motorcycle, this coverage will help pay for medical care to get you back to your old self. | Imagine you break a bone or need surgery as the result of a motorcycle accident. This coverage will supplement your health insurance to cover your medical bills. | No | If you have little to no health insurance, this is a good type of coverage to consider. |
Uninsured motorist coverage protects you if you or anyone riding on your motorcycle is hurt in an accident that was caused by an uninsured or hit-and-run driver. | If you get into an accident with someone who lacks car insurance, you’ll be forced to foot the bill for any damages—unless you invest in this specialized coverage. | No | While we think uninsured motorist coverage is a good idea no matter where you live, it’s especially beneficial in states with high percentages of uninsured drivers. | |
Underinsured motorist coverage | Similar to uninsured motorist coverage, this upgrade helps pay the balance when another driver is at fault in an accident and doesn’t carry enough insurance. | The person you’re involved in an accident with may only have basic liability coverage. If you have an expensive motorcycle, their coverage may not foot the entire bill, leaving you on the hook for the remainder. | No | Underinsured motorist coverage is a good idea if you have a particularly expensive bike and/or if you live in a state with low liability insurance minimums. |
New vehicle replacement | This provides replacement coverage for a new vehicle (exact year, make, and model) that’s been totaled. | If you get into an accident and your bike is totaled, collision coverage will pay out the total current value of the motorcycle. Thanks to depreciation, this could be exponentially less than what you paid for it. New vehicle replacement coverage will ensure you get a comparable model instead. | No | If you purchase an expensive motorcycle—and/or one that tends to depreciate faster than average—this coverage is a great idea. |
Loan or lease assistance | If you owe more on the lease or loan than the value of your vehicle, this coverage helps pay the difference in the event of a total loss. | Thanks to depreciation (once again) it can be easy to go “upside-down” on your motorcycle loan or lease. This becomes a problem if you end up in an accident and owe more than the value of your vehicle. | No | This coverage is a good idea if you finance a significant portion of your motorcycle and/or if you drive a motorcycle that depreciates faster than average. |
Road trip accident accommodations | This covers emergency expenses like lodging, meals, and alternate transportation. | This coverage is specifically designed for accidents that occur 100+ miles away from home. | No | If you take your bike on long road trips, then this coverage is for you! Otherwise, it’s not necessary. |
Emergency road service | 24/7 roadside assistance is available for any sort of breakdown. | This assistance will help if you run out of fuel or are experiencing mechanical issues, flat tires, a dead battery, and more. | No | Roadside assistance is great to have—but you should explore your options through your dealership and/or private clubs like AAA before investing in this option. |
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How to save on American Family motorcycle insurance
When it comes to motorcycle insurance, American Family has some relatively high rates. However, there are some ways you can try to lower your overall insurance costs.
One way is to take advantage of their diminishing deductible premium. When you have a motorcycle insurance claim, you might have to pay a deductible before your insurance company kicks in to cover the repairs or replacement costs.
However, said deductible may be difficult to come up with on the spot. Thus, American Family has a few systems in place to lower that deductible over time and make it as small as possible should you ever need to use it:
- First, you’ll earn a $100 credit just for signing up—so if you choose a $500 deductible, it’ll automatically drop down to $400.
- Each year, your deductible will continue to decrease upon policy renewal, as long as no comprehensive or collision claims are made.
- If you do need to make a claim, you’ll pay a reduced deductible per what you earned via the methods above. Then your deductible will reset to its full amount—but immediately start diminishing again over time.
Additionally, to lower your motorcycle insurance premiums, you may be able to qualify for various discounts—such as multi-policy discounts, which are awarded to those who bundle their motorcycle coverage with other
types of insurance
. MORE: Essential tips for motorcycle winter storage
The cheapest motorcycle insurance companies
As we’ve mentioned, American Family isn’t the cheapest motorcycle insurance out there. These companies provide much more affordable coverage:
- Best for high-value bikes: Markel ($35 to $69/month)
MORE: 10 ways to get cheap car insurance that’s actually good
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Is American Family or Progressive better for motorcycle insurance?
Progressive offers much more affordable coverage options. However, American Family’s policies may be more customizable thanks to a wide variety of automatically included and optional types of coverage.
Is it cheaper to insure a motorcycle than a car?
Motorcycle insurance is cheaper. The average rate for motorcycle insurance is about $240 per year, while the average car insurance rate is about $1,600 per year.
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