National General Motorcycle Insurance
National General offers motorcycle insurance to cover every type of biker. Click here for further details.
Written by Jacqulyn Graber
Reviewed by Alita Dark
National General offers motorcycle insurance to cover every type of biker—with plenty of ways to save on your policy.
If you’re looking for cheap but reliable bike insurance, National General could be a great option for you. That’s right—whether you drive a dirt bike, moped, scooter, cruiser, or golf cart, you’ll want to check out our review of National General
motorcycle insurance
.Does National General offer motorcycle insurance?
National General motorcycle coverages include:
- Permanently attached equipment protection
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Cost
The exact cost of your National General policy will vary, but—in general—National General is geared toward
at-risk drivers
, and its rates tend to be much more expensive than the industry average. With that said, motorcycle insurance is generally much cheaper than standard car insurance.Your age, riding experience, type of motorcycle, driving record, credit score, and history of accidents and insurance claims all have an impact on how much you’ll pay for motorcycle insurance through National General.
Coverage options
National General offers a wide range of coverage options for motorcyclists. In addition to standard liability insurance and full-coverage options, like collision and comprehensive coverage, National General offers some exciting add-ons that make them uniquely attractive as an insurance provider.
Check out the table below to review your coverage options with National General.
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
New Bike Replacement Cost Coverage | This will cover a new motorcycle (of a comparable make and model) if your bike is totaled or stolen anytime during its first two model years. | If your brand-new bike is stolen from its parking space, comprehensive coverage will only pay out the estimated current value of the motorcycle (which, thanks to depreciation, could be much less than what you paid for it). New bike replacement cost coverage will replace your bike with a comparable model. | No | If you have a brand-new bike or a model that depreciates quickly, this is especially helpful coverage to invest in. |
Free Helmet Coverage | National General covers helmets at no additional cost. | If your helmet is ruined in an accident, you’ll get reimbursed for a new one. | Yes | Of course! Helmets are essential safety devices, and they can be shockingly expensive. |
Coverage for custom bikes | If you have a customized bike that requires extra coverage, National General can help you build the perfect plan. | Whether it's an up-sized engine or shiny new chrome, National General covers up to $20,000 in additional custom equipment. | No | If you have a fancy custom bike, yes! |
OEM Parts Coverage | This will cover the use of Original Equipment Manufacturer (OEM) parts—rather than cheaper aftermarket parts—when your bike is 15 years old or less and requires repairs. | If you’re getting your bike fixed, your mechanic may try to use aftermarket parts to save you money. With this coverage, they won’t have to worry. | No | If you want OEM parts, this coverage is essential for saving money. However, if you don’t mind aftermarket parts, it’s not worth the investment. |
Coverage for custom accessories and safety apparel | Many riders customize their bikes with accessories and safety apparel, like taller windshields, special grips, and saddlebags. These can be damaged in an accident, too—but will be protected by this specialized coverage. | If you end up in a crash, your custom accessories and safety apparel could be damaged in addition to the bike itself. These items are also at risk of being stolen! | $3,000 of coverage is automatically included—with higher limits available. | If you add lots of custom accessories to your motorcycle, then yes! |
Medical coverage with no deductible | File a medical claim and pay no deductible. | If you’re injured in a biking accident and need medical attention, you won’t have to worry about meeting a deductible—you’ll instead be able to focus on your recovery! | Yes | This is a great coverage option for anybody, but especially those who may not have a robust health insurance policy. |
Roadside Assistance | In the event of a qualifying accident, National General helps pay for hotels, alternative transportation, and even up to $300 for a tow truck! | If you break down or get into an accident, don’t get stranded on the side of the road! National General’s roadside assistance will help get you and your bike to safety. | No |
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How to save on National General motorcycle insurance
Although National General is notorious for being more expensive than other insurance providers, they do offer quite a few ways to make your policy more affordable:
- Safe Rider Discount: Riders who complete an approved motorcycle safety class will qualify for this discount.
- Frame Guard/Slider Discount: Add a frame guard to your motorcycle as a simple way to save.
- Multi-bike Discount: Have multiple motorcycles? The more you add, the more you’ll save.
- Multi-policy Discount: Are you insuring other vehicles (like your car) through National General? Bundle all of your insurance policies to save.
- Paperless Discount: Enroll in paperless billing to lower your monthly costs.
- Pleasure Use Discount: Those who put a limited number of miles on their bike (rather than using it as a primary mode of transportation) could qualify.
- Renewal Discount: If you’re a loyal customer, you could see some savings!
- Homeowners Discount: That’s right—save on your motorcycle insurance just by owning a home.
- Flexible payment plan options: Choose from National General’s budget-friendly payment options, which are specifically designed to give customers coverage at an easy-to-pay price.
MORE: Essential tips for motorcycle winter storage
The cheapest motorcycle insurance companies
As we mentioned, National General isn’t necessarily the cheapest option when it comes to motorcycle insurance. Here are a few more affordable options:
- 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 National General or Progressive better for motorcycle insurance?
Progressive’s motorcycle insurance might be a bit better than National General’s, as it offers a lot of standard benefits and generally lower rates. However, if you’re an at-risk driver, you may be more successful securing a policy with National General.
Is it cheaper to insure a motorcycle than a car?
Yes. 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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