GEICO Motorcycle Insurance
GEICO motorcycle insurance is generally affordable but you won’t have as many coverage options. Click here for more!
Written by Brittni Brinn
Reviewed by Pat Roache
GEICO offers
motorcycle insurance
for everything from a standard bike to a moped or cruiser. There are also useful add-ons like accessories coverage to consider.There’s nothing like cruising down the highway on your bike! To keep your ride protected and for extra peace of mind on the road, you’ll want motorcycle insurance that isn’t going to break the bank.
Here’s a guide to help you find affordable insurance coverage for your hog, whether it’s a standard motorbike, a cruiser, or anything in between.
Does GEICO offer motorcycle insurance?
Whether you have a sport bike, cruiser, moped, touring bike, or standard ride, GEICO has you covered. They also offer insurance for scooters and ATVs!
With GEICO,
liability-only
motorcycle insurance costs around $360 a year on average. Of course, your rates will reflect your driving history, what kind of motorcycle you ride, and other factors.To talk to a GEICO insurance agent about getting a quote for motorcycle insurance, call (800) 442-9253. You can also visit GEICO’s website or use the mobile app to request a quote. All you’ll need is your zip code and your motorcycle’s make, model, and vehicle identification number (VIN).
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Cost
The average insurance rate for motorcycle insurance from GEICO is between $28 and $51 a month. This amount is an estimate based on the average rate nationwide for drivers of all ages. Your home state, age, and more will influence how much you end up paying for motorcycle coverage.
However, GEICO is generally considered to be one of the more affordable companies if you’re looking to insure your bike. Even though GEICO doesn’t offer as many coverage options as other providers, they have cheap rates and a fair number of discounts. Young drivers or owners of sport bikes especially may find the best motorcycle insurance rates with GEICO.
Coverage options
GEICO doesn’t offer as wide a range of motorcycle coverages as some other companies, but they do have some useful add-ons. Of course, you’ll get your state’s mandated liability limits, but you’ll also have
full coverage
, uninsured motorist coverage, and more to choose from.Here’s a quick breakdown of the motorcycle coverage options available with GEICO.
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
Will cover some medical expenses for the other parties if you are at fault in an accident. | You run into the back of another car that is stopped at an intersection and the driver sustains a head injury. GEICO will cover their medical expenses up to the policy limit. | Depends on state laws. Various limits are available. | Most states require a minimum amount of this coverage. | |
If you are at fault in an accident resulting in property damage, this coverage will pay for repairs. | You crash your bike into someone’s fence, destroying it. GEICO will cover repairs. | Depends on state laws. Various limits are available. | Most states require a minimum amount of this coverage. | |
Will cover your bike if it is stolen or damaged by wildlife, fire, or natural disasters. | A flood leaves your bike waterlogged beyond repair. GEICO will provide the actual cash value of your motorcycle (minus your deductible). | No | Generally worth having unless your bike is old or isn’t worth much. | |
If your bike is involved in a crash, either with another vehicle or a stationary object, this coverage will cover repairs. | You lose control on a slick road and crash into a telephone pole. GEICO will step in and reimburse you for the damages (minus deductible). | No | Not required by law, but worth it unless your motorcycle is very old or of little value. | |
If you’re hit by another driver who doesn’t have insurance, this coverage will take care of your medical bills, lost wages, and repair costs. | Another motorcycle rider crashes into you after losing control on the highway, but they don’t have insurance. If they can’t cover your costs, GEICO will step in. | Depends on state laws. | This coverage is required in some states. In any case, it’s probably worth having if you don’t want to risk having to pay for your repairs out of pocket. | |
You and your passengers will be reimbursed for some medical expenses in the wake of an accident. | You fall off your bike avoiding a swerving car, breaking your arm. GEICO will cover your medical costs. | No | If you don’t have health insurance, this coverage can come in handy. | |
Helmet coverage | After an accident, your helmet will be replaced as part of your claim. | The casing on your helmet gets cracked when you are involved in an accident. You can make a claim through GEICO to get it replaced. | No. Included with collision coverage. | Helmet replacements can be expensive! Since it’s included with a collision policy, consider the benefits of adding it to your coverage. |
Accessories coverage | Protects accessories like a non-stock sidecar, saddlebags, backrests, seats, chrome pieces, and CB radios. | You just installed a radio on your bike, only to have it stolen. GEICO will reimburse some or all of the cost for a replacement. | No. Must have collision or comprehensive coverage. | If you’ve modded your bike or invested in a few accessories, this coverage is a good pick. |
Emergency roadside service | Provides access to 24/7 towing and labor services including tire changes, fuel delivery, and more. | You miscalculate the distance to the next gas station and end up stranded on the side of the highway. GEICO will provide fuel delivery to get you on your way! | No | This coverage is a must-have if you regularly take road trips or drive on remote roads or highways. |
Covers lost wages, medical expenses, and more if you are injured in a car accident. | If you are hit by another vehicle and break your leg, PIP will cover your rehabilitation costs and provide support while you can’t work. | Depends on the state. | Some states require PIP coverage. This can be a useful add-on and can provide peace of mind when your out on the highway. |
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How to save on GEICO motorcycle insurance
Another benefit of purchasing your motorcycle insurance policy through GEICO is the number of available discounts. Here are the discounts that apply to motorcycle policyholders:
- Switch from another insurance company: You can get up to 10% off your motorcycle insurance costs when you switch to GEICO.
- Multi-motorcycle: Have more than one bike in your garage? Insure multiple motorcycles with GEICO for up to 10% savings!
- Safety course: Complete the Motorcycle Safety Foundation or Military Safety Course for up to 10% in savings on your premium.
- Mature riders: Those years of experience will get you a discount of up to 10%!
- Renew your policy: Keep your bike insured with GEICO and you’ll get—you guessed it—up to 10% off!
- Instructor: You’re eligible for up to 20% discount if you currently work as a Motorcycle Safety Foundation instructor.
- Multi-vehicle: Insure a car as well as your motorcycle for a discount of up to 5%.
MORE: Essential tips for motorcycle winter storage
The cheapest motorcycle insurance companies
Even though GEICO is one of the most affordable providers when it comes to motorcycle insurance, it’s not necessarily the cheapest option. Here are a few other companies that provide affordable motorcycle insurance rates:
- Best for expensive bikes: Markel ($35 to $69/month)
- Best for young drivers: Dairyland ($22 to $74/month)
- Best for sport bikes: GEICO ($28 to $51/month)
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Is GEICO or Progressive better for motorcycle insurance?
It depends on what you’re looking for! Overall, Progressive has more coverage options and is generally affordable no matter what kind of bike you’re looking to insure. GEICO also offers affordable options and is particularly good for sport bike owners.
Is it cheaper to insure a motorcycle than a car?
It’s cheaper to insure a motorcycle than a car. Motorcycles are generally less expensive to repair and replace and are usually only driven seasonally. Those are a couple of reasons why the average rate for motorcycle insurance is around $240 per year, while car insurance costs about $1,600 per year on average.
