Plymouth Rock Motorcycle Insurance
Plymouth Rock partners with Rider Insurance Company to provide motorcycle insurance. Here’s everything you need to know.
Written by Jaya Anandjit
Reviewed by Kathleen Flear
Through a partnership with Rider Insurance, Plymouth Rock offers motorcycle and ATV insurance with numerous coverage options and discounts for as little as $60 per month.
Here’s a rundown of the coverages, policies, and discounts available for standard street motorcycles, ATVs, sports high-performance motorcycles, and scooters with Plymouth Rock’s
motorcycle insurance
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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 Progressive offer motorcycle insurance?
Yes, Plymouth Rock offers motorcycle insurance in conjunction with Rider Insurance Company.
Plymouth Rock’s motorcycle insurance is available to riders in
Massachusetts
, New Jersey
, and Pennsylvania
. Coverage starts at as little as $60 a year for liability coverage
, although additional coverage options are available for a higher price. Riders can get policies for standard street motorcycles, ATVs and UTVs for off-roading, scooters, and high-performance sports motorcycles.
To get a motorcycle insurance quote from Plymouth Rock, you can call 1-855-993-4470. Have all applicable information prepared, including the make, model, and year of your bike and its vehicle identification number (VIN).
Cost
The exact cost of a Plymouth Rock motorcycle insurance policy will depend on your state, the price and age of your bike, credit score, and driving history. The better your driving record, higher your credit score, and less expensive your bike is, the lower rate will be.
Coverage options
Plymouth Rock is fully equipped with multiple coverage options, including standard liability insurance, additional liability insurance,
collision coverage
, and comprehensive coverage
. Riders may select policy packages like the Rider Essential Assurance package, the Rider Assurance Plus package, and the Rider Accessory package. Here’s what they include:
- Rider Essential Assurance: includes claim services, cab coverage worth up to $50 once a year for mechanical breakdowns, and mobile account access
- Rider Assurance Plus: includes roadside assistance, carried property coverage, helmet coverage, trip interruption coverage, trailer coverage, and replacement cost coverage will collision and/or comprehensive coverage
- Rider Accessory Package: includes $8,000 (or up to $30,000) worth of accessory and customization coverage with comprehensive coverage.
The following table offers information on the coverage options available with each package, plus additional options for riders with Plymouth Rock insurance:
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
If you’re at fault in an accident, this will pay for the other parties’ injuries. | You switch lanes without signaling and collide with another rider, resulting in a broken ankle. Plymouth Rock will cover their medical bills within your policy’s BIL limits. | No | BIL is a minimum insurance requirement in most states—check your state laws for more information. | |
Covers repairs to another person’s property if you cause damage. | You go through a red light and crash into another rider, damaging their bike. Plymouth Rock will pay for their repair costs within your policy’s limits. | No | PDL is typically required in most states—check your state laws for more information. | |
Comprehensive coverage | Covers repairs or replacements from non-collision events, like fire, theft, and vandalism. | A deer jumps in front of your bike on the highway, and you hit it. Plymouth Rock will cover repairs. | No | Not required by law but could be useful if your bike is expensive, newer, or in very good condition. |
Collision coverage | Pays to repair or replace your bike if it’s damaged in a collision with another vehicle or stationary object. | You crash into a street sign and damage parts of your bike. Plymouth Rock will handle the repair costs. | No | Not required by law but could be useful if your bike is expensive, newer, rare, or in good condition. |
Pays for medical bills for you and your passengers whether or not you were at fault. | You’re involved in a collision with your friend on the back of your bike and you both require medical attention. Plymouth Rock will pay for your medical bills within the limits of your policy. | No | Not required, but can be financially wise, especially if you don’t have health insurance. | |
Roadside Assistance (24/7) | Offers roadside assistance if you encounter disabling mechanical issues while on the road. | Your motorcycle breaks down unexpectedly. Plymouth Rock can provide towing services, a battery jumpstart, emergency fluid delivery, and more. | No | Not required. Not available for ATVs and UTVs, but can be handy if you have a bike that could possibly encounter issues. |
Trip interruption coverage | Covers up to $600 worth of meals and lodging if a trip is interrupted by issues with your bike. Must have collision or comprehensive coverage for this to apply, and the incident must occur within 100 miles of your home. | You’re 95 miles away from home and your bike encounters mechanical problems that leave you stranded. Plymouth Rock will cover any accommodations or meals necessary to keep you going until you are returned home. | Included with collision and comprehensive coverage | Not required by law, but can be handy if you have a bike that could possibly encounter disabling issues |
Replacement cost | Covers replacements of up to $45,000 for motorcycles purchased new within one calendar year of the purchase date. Must have collision and/or comprehensive coverage. | You purchased a new bike less than three months ago and it was involved in a collision that caused damage. Plymouth Rock will cover the replacement cost within the limits of your policy, minus the deductible. | Included with collision and comprehensive coverage | If you ride a new bike, this can provide extra financial protection in case of an accident. |
Accessories coverage | Covers up to $8,000 worth of customized parts; up to $3,000 for equipment, paint, chrome; also covers damage to your helmet or safety gear. Must have comprehensive and/or collision coverage. | If accessories are damaged under the limits covered by comprehensive or collision coverage, Plymouth Rock will pay up to $3,000-8,000 to have it repaired or replaced. | Included with collision and comprehensive coverage | If your riding experience includes custom accessories, this could be beneficial in case damages occur. |
Helmet coverage | Covers up to $500 to replace a safety helmet less than five years old that was damaged in a collision. Must have collision coverage. | Your newer safety helmet was damaged in a collision. Plymouth Rock will cover the replacement fee with up to $500, minus your collision deductible. | Must have collision coverage | If you own an expensive helmet less than five years old, this could help to replace it if a collision causes damages. |
Carried property coverage | Covers up to $1,000 to repair or replace personal property that was damaged in a collision. Must have collision and/or comprehensive coverage. | Your property is destroyed due to a collision with another motorcycle. Plymouth Rock will cover up to $1,000 worth of personal property if this happens. | Must have collision and comprehensive coverage | If you carry valuables with you while riding, this coverage is a good idea. |
Carried Contents® | Covers personal belongings on your bike if they’re damaged in a covered incident. | When you crashed into the guardrail, your phone shattered in your pocket. Insurance may cover the cost of a replacement. | No | If you carry expensive items, such as camping and hunting equipment, on your bike, this coverage is a good idea. |
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How to save on Plymouth Rock motorcycle insurance
Plymouth Rock offers a large range of discounts for motorcycle riders. Here’s a list of some discounts that may apply to you:
- Transfer discount: If you transfer your motorcycle insurance to Plymouth within 30 to 180 days (depending on your state) after your last policy, you can receive a discount. You’ll need to provide your old insurance policy.
- Preferred operator discount: If you are over the age of 26, have a clean driving record, ride a non-sport or non-high-performance motorcycle with 576cc or more, and you have physical damage coverage, you can receive a discount.
- Multi-bike policy: If you insure more than one bike with Plymouth Rock, you can receive a discount on all policies.
- Multi-policy discount: If you havehomeowners insurance,auto insurance, or boat or RV coverage through Plymouth Rock also, you can claim discounts on all your policies.
- Rider experience discount: Riders with at least three years of on-road experience are eligible for discounts.
- Safety course discount: riders who complete a certificate for an eligible safety course can receive a discount for up to three years.
- Sport bike safe driver discount: If you are over the age of 35, have a clean driving record, use a sport or high-performance bike with 551ccs or more, and you have physical damage coverage, you may be eligible for a discount.
- Pay in full discount: pay your motorcycle insurance premium in full for the year to receive a discount.
- Anti-lock brake discount: If your motorcycle has anti-lock brakes, you will automatically receive a discount based on data from the Highway Loss Data Institute (HLDI).
MORE: Essential tips for motorcycle winter storage
The cheapest motorcycle insurance companies
Plymouth Rock isn’t the only insurance company with motorcycle insurance coverage. In fact, some providers offer additional types of coverage and packages with more affordable rates. The list below highlights our top picks for any type of rider:
- Best all-around: Progressive ($25 to $52/month)
- Best for high-value bikes: Markel ($35 to $69/month)
- Best for teens: Dairyland ($22 to $74/month)
MORE: 10 ways to get cheap car insurance that’s actually good
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Is Plymouth Rock or Progressive better for motorcycle insurance?
Plymouth offers fairly standard coverage options and they are limited to just a few states. Alternatively, Progressive gets riders standard benefits like OEM and custom parts coverage, and their rates are very affordable.
Is it cheaper to insure a motorcycle than a car?
Yes. On average, motorcycle riders spend around $240 on insurance per year, whereas car drivers may spend $1,600 or more for car insurance per year.
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